Terms & Conditions

CommerceCentsSM Savings Program

By enrolling in Commerce Bank's CommerceCentsSM saving program, we will round up the amount of any Mastercard® debit card purchase made by you or a joint owner of your Checking Account to the next whole dollar amount, and transfer the amount in excess of the purchase price from your checking account to your savings account. Only personal accounts are eligible for CommerceCentsSM.

Each business day, we will aggregate the round-up from purchases that post to your checking account and make a single transfer (the CommerceCentsSM transfer) at the end of each business day. If on any business day you do not have an available balance of $5.00 in your checking account, or if any transaction has overdrawn your Checking Account, we will not round up purchases posted on that business day and the CommerceCentsSM transfer for that day will be cancelled.

The corresponding CommerceCentsSM transfer will remain in the savings account, even if your Mastercard® debit card purchase is subsequently cancelled or reversed. We may cancel the CommerceCentsSM service at any time. CommerceCentsSM is available only on Mastercard® debit cards linked to your Commerce Bank checking account.