Checking

Commerce Bank’s checking accounts give you control of your money. We offer both free and interest-bearing accounts. Review our selection and find the account best suited to your needs.

All Commerce Banking checking accounts include:

Compare Products

Product

Description

Minimum Opening Deposit

Benefits

Platinum
Checking
1
Our  most rewarding checking account, featuring unlimited free ATM withdrawals and more $50.00
  • Maintain combined average daily balance of $25,000 for all deposit products to waive $15 monthly service charge
  • Rebate of all non-Commerce Bank ATM surcharges2
  • No fee for stop payments (online banking fee rebated next business day)
  • No fee for incoming wire transfers.
  • Free basic check order (certain styles and quantitites)
  • Free money orders and treasurers checks
  • Premium interest paid
  • Earn up to $100 in bonuses3
Royal 50's Platinum Checking1 You're a member of our Royal 50's Club and maintain deposit balances. $50.00
  • Maintain combined average daily balance of $25,000 for all deposit products to waive $15 monthly service charge
  • Rebate of all non-Commerce Bank ATM surcharges 2
  • No fee for stop payments (online banking fee rebated next business day)
  • No fee for incoming wire transfers.
  • Free basic check order (certain styles and quantitites)
  • Free money orders and treasurers checks
  • Premium interest paid
  • Earn up to $100 in bonuses3
Commerce On-The-Go Checking An account that allows you to bank anytime, anywhere, and however you want. $10.00
  • Maintain $5,000 average daily balance in combined loans/deposits to waive $5 monthly service charge
  • Must recieve eDocuments
  • Non-Commerce ATM transaction fees waived
  • No fee for incoming wires
  • Earn up to $100 in bonuses3
Free Checking Our Free Checking account is just that: free. There's no monthly fee and no minimum balance requirements. $10.00
  • No monthly service charge or minimum daily balance requirement

 

 

Checking account Switch Kit: Here are the forms you need to change bank accounts.

Direct deposit saves a trip to the bank and it’s easy to set up. Click here to start.

Interest rates, terms and other information are subject to change without notice. Penalties may be imposed for early withdrawal.

2 May be reportable on form 1099. 
3
This is special limited time offer.  Offer cannot be combined with any other offer and is limited to one incentive per customer/account. Offer does not apply to second or multiple personal accounts; business and Free Checking accounts are excluded. Up to $100 worth of incentives available to new checking accountholders as follows: (1) Get $25 when you enroll in Direct Deposit; (2) Get $25.00 when you enroll in Bill Pay and make 3 bill payments; (3) Get $25 when you enroll in Mobile Check Deposit and make 1 Mobile deposit; (4) Get another $25 when you use your debit card for the new checking account to pay for at least 10 signature purchases from a merchant. Only new Commerce Bank customers are eligible for bonuses. Checking accountholders who meet all of the terms of the offer will receive incentive(s) within 90 days of the qualifying transaction(s); incentive(s) will be deposited directly into the respective Commerce Bank checking account. Will be reportable on form 1099.