Commerce BankChecking accountChecked Oct 10, 2026Updated
Commerce Free Checking
$0monthly fee
- A year for an everyday customer
- $0 fees and interest, $2,000 kept
- To open
- $25 to open
- On our list
- #269 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
Fees
- Monthly fee
- NoneSource · checked Oct 10, 2026
- Minimum to open
- $25Source · 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
Automatic savingsBill payBranch accessContactless cardDebit cardEarly direct depositFree checksFree external transfersMobile check depositNo minimum balanceOnline openingOverdraft grace periodOverdraft protection transferSavings round upsSpending alertsZelle
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