Personal Checking

At Commerce Bank, you are so important to us that you have your own team of professionals ready to provide the service you need as if they were your own personal banker.

Manage routine transactions backed by the power of local expertise. Choose the option that makes sense for your financial needs or give us a call to see if we can create an account tailored to your specific goals.

Every new personal checking account includes:

  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatements
  • Buy back of your unused checks and debit cards from another financial institution
  • FREE Nationwide ATM usage – Refund of other banks’ ATM fees up to $25 per month
  • FREE Debit Card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking with Mobile Deposit
  • FREE eStatements
  • Buy back of your unused checks and debit cards from another financial institution
  • FREE Nationwide ATM usage – Refund of other banks’ ATM fees up to $25 per month

Commerce Free Checking

A FREE account for everyone

  • FREE first order of personalized checks
  • No minimum balance
  • No monthly service charge

Commerce 50+ Checking

A perfect account for customers 50 and over

  • FREE personalized checks for the life of your account
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Commerce Direct Checking

Earn interest with the convenience of direct deposit or any automatic payment

  • FREE first order of personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge

Commerce High Interest Checking

An account for those interested in higher interest

  • FREE personalized checks for the life of your account
  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest if balance falls below $1,500
  • Only $6 monthly charge if minimum balance falls below $1,500

Minimum opening deposit is only $50. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Rates may change after the account is opened. Fees may reduce earnings on accounts that include a maintenance/activity fee–See fee schedule for details. Transaction items include all debits and credits.