Commerce BankChecking accountChecked Oct 10, 2026Updated
Commerce CommerceInterest Checking
$12monthly fee
- A year for an everyday customer
- $0 fees and interest, $2,000 kept
- To open
- $100 to open
- On our list
- #228 of 986 checking accounts, by a year’s value for an everyday customer
Visit CommerceThe bank’s own page · checked Oct 10, 2026
Rate conditions
- Interest compounds
- Interest is compounded on an monthly cycle basis and credited to your account at the end of the monthly statement cycleSource · checked Oct 10, 2026
Fees
- Monthly fee
- $12 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- a single direct deposit of $500 or more
- daily balance of $1000
- Minimum to open
- $100Source · checked Oct 10, 2026
- Overdraft fee
- $36Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $36Source · checked Oct 10, 2026
- Overdraft transfer fee
- $13Source · checked Oct 10, 2026
- ATM network
- Commerce Bank ATM Network; ATM locations worldwide displaying the network logos on the back of your cardSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $3.50Source · checked Oct 10, 2026
- Incoming international wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $45Source · checked Oct 10, 2026
- Paper statements
- $4 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $8Source · checked Oct 10, 2026
- Cashier’s check
- $8Source · checked Oct 10, 2026
- Stop payment
- $40Source · checked Oct 10, 2026
- Card replacement
- $5Source · checked Oct 10, 2026
Features
Bill payDebit cardInterest bearingOverdraft protection transferSpending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees