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

Commerce Relationship Checking

$22monthly fee

A year for an everyday customer: −$264 fees and interest, $2,000 kept
To open: $100 to open
On our list: #915 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: $22 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
$5,000 average daily balance in this account
$15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances)
Source · checked Oct 10, 2026
Minimum to open: $100Source · checked Oct 10, 2026
ATM network: Free Commerce ATMs nationwideSource · checked Oct 10, 2026
Out-of-network ATM fee: NoneSource · checked Oct 10, 2026
ATM fees refunded, up to: $10 a monthSource · checked Oct 10, 2026
Paper statements: $4 a monthSource · checked Oct 10, 2026

Features

ATM fee rebatesBill payContactless cardDebit cardEarly direct depositFree checksFree external transfersInterest bearingMobile check depositMobile walletNo foreign transaction feeOnline 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