CommerceStudent Checking

CommerceStudent Checking

An ideal checking account designed for students age 25 years and younger. 

Open an account

What you get

  • Free Visa® Debit Card

  • Free Mobile Banking2, so you can bank whenever and wherever you want

  • Send and receive money with Popmoney and External Transfers4

  • Free Commerce Bank ATM transactions

  • Free email and text Alerts2 to help you manage your account

  • Avoid fees by keeping your account active1, using electronic payment methods and signing up for paperless statements.

  • Free Online Banking and Online Bill Pay

  • If your debit card is lost or stolen, we can issue you a new card instantly3

CommerceStudent Checking Details

  • Minimum deposit to open:


  • Monthly service fee:

    $3 if account is inactive1

  • Bank without the monthly fee!

    As long as the account is active, there is no monthly service fee1

  • Other fees:

    • $2 per teller-assisted withdrawal or paper check written5
    • Free Paperless Statement. Paperless Statement with Images $1 per month, Paper Statement $3 per month, Paper Statement with Images $4 per month6

Get started with CommerceStudent Checking

Open an account

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Refer a friend

$50 for you and $50 for your friend.

Earn up to $500 when you refer friends and family.

Refer now

Not sure if CommerceStudent Checking is right for you?

We’re here to help you make the best choice. Just give us a call.



  1. $3 monthly inactivity fee is charged after 60 days of inactivity. Avoid this fee by keeping your account active. Activity is defined as any transaction, such as a withdrawal, deposit, bill payment or ACH payment. An account inquiry, such as checking your balance in Online Banking or at an ATM, is not a transaction and does not count as activity.

  2. Message and data usage fees may apply; check with your wireless or VoIP provider for more information.

  3. Available at select locations; $5 replacement fee for Instant Issue Debit Card.

  4. Fees may apply depending on the speed of the transaction.

  5. Fee of $2 per paper transaction (check or withdrawal slip) you write that posts during your monthly statement period. Customer is also responsible for cost of check orders including shipping & handling. Avoid this fee by using Online Bill Pay and Visa® Debit Card to make your payments.

  6. Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement. Fee for other statement options waived for the first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts.

 Terms & Conditions apply and are available at

Deposit Agreement & Disclosures