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How to Apply

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Personal Savings Account

Start your savings with a Personal Savings Account.

  • Open with just $100 – or just $1.00 for minors
  • Special programs for young savers
  • FDIC insured1

Interested in saving for a goal and earning rewards? Open a myRewards Savings account.

Min. Opening Deposit
  • $100 / $1.00 for minors
Interest Paid
Minimum Balance
  • $300 daily balance OR at least one monthly electronic deposit, including Online Banking transfers, of $25 or more (waived for minors)2
Monthly Service Charge
  • $3.00 (if balance not met; waived for minors)
Check Writing Privileges
  • No
  • Up to 3 withdrawals or transfers per month; $1.00 for each additional
  • Free access to funds through any Commerce ATM, our 24-hour Account Information Line and Online Banking
Online Services
  • Free Online Banking
  • Access electronic copies of your 1099 and certain other tax forms through Online Banking - View Tax Form FAQs
  • Order up to seven years of account statements and check images on CD-ROM
Statement Options
  • E-Statement - Free
  • Paper Statement - $2 per month for Paper Statements.
Savings statements are provided monthly when there are electronic deposits or withdrawals during the monthly statement cycle; otherwise they are provided quarterly.2


  1. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.
  2. Daily balance means ending ledger balance in the account each day. You must maintain the $300 minimum daily balance every day of a month or have at least one electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
  • NO PURCHASE OR ACCOUNT NECESSARY TO ENTER OR WIN. A PURCHASE OR ACCOUNT WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes is open to legal residents of United States who are 18 years old or older on or before November 14, 2016. You may also enter by mailing your name, address, phone number and email address to Commerce Bank Website Survey Sweepstakes, 8000 Forsyth Blvd CBIR-1, St. Louis, MO 63105 Entries must be received by December 15, 2016. Approximate retail value of the prize is one of ten (10) $50.00, three (3) $100.00 or (1) $250.00 Commerce Bank Visa Gift Cards. For a copy of the Official Rules, please visit
  • Deposit Agreement & Disclosures