ATM deposits are easy

Checking Accounts

Commerce offers a wide range of checking accounts; all designed to make banking easier for you and help you reach your financial goals. If you decide that you want to open an account with us, please follow our simple instructions to switch to Commerce Bank.

  Monthly Service Charge Minimum Balance to Avoid Service Charge Interest
Paid
Free
Non-Commerce ATMs

myRewards Checking

Apply Online >

$8
(after the first 60 days
if balance or direct deposit
requirement is not met)
$1,500 in combined checking, savings and money market balances2 OR at least one single direct deposit of $500 or more during the month ($100 to open) No None

myDirect Checking

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$0
As long as your account is active, you will be charged a fee only if you make a paper transaction or receive a paper statement1
$0
($100 to open)
No None

myDirect Student Checking

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$0
As long as your account is active, you will be charged a fee only if you make a paper transaction or receive a paper statement1
$0
($100 to open)
No None

Interest Checking

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$10
(after the first 60 days
if balance not met)
$1,000 Minimum
OR
$2,000 Average
($100 to open)
View Rates None

CommerceOptionsSM Plus

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$12
(after the first 60 days
if balance not met)
$5,000 Deposits
OR
$10,000 Combined
Deposits & Loans3
($100 to open)
View Rates No Commerce fee 3 times per month (other bank’s ATM fees may apply)

CommerceOptionsSM Premium

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$20
(after the first 60 days
if balance not met)
$20,000 Combined
Deposits & Loans
OR
Commerce Mortgage
OR
$100,000 Brokerage3
($100 to open)
View Rates No Commerce fee at any ATM in the US – plus we’ll refund up to $6 of other banks’ fees per calendar month

Disclosures:

  1. Inactivity fee of $3 per month charged after a 60-day period of inactivity. 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 ATM, is not a transaction and does not count as activity. 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 and handling. Must activate Online Banking and sign up for E-Statements to get free monthly statements; fees for paper statements are $1 per month for Paper Statements or $2 per month for Paper Statement with Images (fee waived for first 60 days after account opening).
  2. The person listed first on the account must maintain a combined balance of $1,500 in Commerce checking, savings and money market accounts. Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle.
  3. The person listed first on the account must maintain the balances shown. Qualifying deposits include personal checking, savings, money market, CDs, and retail IRAs. Business accounts do not qualify. Qualifying loans include personal loans and home equity loans or lines of credit. Business loans do not qualify. Qualifying brokerage balances include cash and securities that appear on the Commerce Brokerage statement. Brokerage services provided or reported through third parties are excluded.  Qualifying balances are determined by using the actual daily balance on the day prior to the checking account statement cycle date each month.