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:

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Minimum Opening Deposit


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.
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 fees
  • 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
  • Free Online Banking and BillPay



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.