Checking

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

All Commerce Bank checking accounts include:

  • Free Commerce Bank MasterCard® Debit Card with MasterCard Zero Liability Protection
  • Unlimited check writing
  • Free transactions at Commerce Bank ATMs
  • Surcharge-free access to SUM Network ATMs

 

Platinum Checking1

 

Our most rewarding checking account, featuring unlimited free ATM withdrawals anywhere in the USA and more.

Account Requirements:
$50 minimum opening deposit; $25,000 average daily balance in combined deposits waives $15 monthly service charge

View Current Rates

 

  • Non-Commerce ATM transaction fees are waived
  • Rebate of all U.S. non-Commerce ATM surcharges2
  • Free basic checks
  • Our best rates on CDs
  • All balances earn interest
  • No fee for incoming wire transfers
  • No fee for stop payments
  • Free money orders and treasurer's checks
  • Free small safe deposit box for one year3
  • Earn up to $100 in bonuses4

 


 

Royal 50's Platinum Checking1

 

Our most rewarding checking account
for members of our Royal 50's Club, featuring unlimited free ATM withdrawals anywhere in the USA and more.

Account Requirements:
$50 minimum opening deposit; $25,000 average daily balance in combined deposits waives $15 monthly service charge

View Current Rates

To apply, call or visit us today.

  • Non-Commerce ATM transaction fees are waived
  • Rebate of all U.S. non-Commerce ATM surcharges2
  • Free basic checks
  • Our best rates on CDs
  • All balances earn interest
  • No fee for incoming wire transfers
  • No fee for stop payments
  • Free money orders and treasurer's checks
  • Free small safe deposit box for one year3
  • Earn up to $100 in bonuses4

 


 

Commerce-On-The-Go Checking

 

A checking account that allows you to bank anytime, anywhere, and however you want.

Account Requirements:
$10 minimum opening deposit; $5,000 average daily balance in combined deposits/loans waives $5 monthly service charge; must be enrolled in Online Banking and receive eDocuments

 

  • Non-Commerce ATM transaction fees are waived
  • No fees for incoming wire transfers
  • Earn up to $100 in bonuses4
  • Must be enrolled in Online Banking and receive eDocuments

 


 

Free Checking

 

A checking account that's actually free: no monthly fee and no minimum balance.

Account Requirements:
$10 minimum opening deposit

 

  • No monthly service charge
  • No minimum balance

 


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

 

Interest rates, terms and other information are subject to change without notice. Penalties may be imposed for early withdrawal.
May be reportable on form 1099.
Annual fee waived for one year on either a 5x5 safe deposit box at our Fenway branch or 3x5 safe deposit box at any of our other locations, or $40 credit applied to another rental for one year.
4 
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.