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

Commerce Interest Checking

$12monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $100 to open
On our list: #271 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

Balance needed for the APY: $0Source · checked Oct 10, 2026
Interest compounds: We use the daily balance method to calculate the interest on your account.Source · checked Oct 10, 2026

Fees

Monthly fee: $12 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
one direct deposit of $500 or more
maintain a daily balance of $1,000 in each statement cycle
Source · checked Oct 10, 2026
Minimum to open: $100Source · checked Oct 10, 2026
ATM network: Free Commerce ATMsSource · checked Oct 10, 2026
Paper statements: $4 a monthSource · checked Oct 10, 2026

Features

Bill payContactless cardDebit cardEarly direct depositFree checksFree external transfersInterest bearingMobile check depositMobile walletOnline openingOverdraft grace periodSavings 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