Commerce BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Commerce CommerceRelationship Checking

$22monthly fee

A year for an everyday customer: −$264 fees and interest, $2,000 kept
To open: $100 to open
On our list: #917 of 986 checking accounts, by a year’s value for an everyday customer

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

Monthly fee: $22 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
Must maintain $5,000 average daily balance in this account
combined deposit balances of $15,000
Source · checked Oct 10, 2026
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: NoneSource · 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

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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