Commerce BankSavings accountChecked Oct 10, 2026Updated
Commerce myRewards Savings
0.01%APY on $10,000 · as of Oct 8, 2026
- A year on $10,000
- $1 after fees
- Monthly fee
- $5 a month
- To open
- No minimum to open
- On our list
- #188 of 234 savings accounts, by a year’s value on $10,000
Visit CommerceThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.01% | $0 |
| $5,000 | 0.01% | $0 |
| $10,000 | 0.01% | $1 |
| $25,000 | 0.01% | $2 |
| $50,000 | 0.01% | $5 |
| $100,000 | 0.01% | $10 |
Rate conditions
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $300 daily balance
- at least one monthly electronic deposit, including Online Banking transfers, of $25 or more
- Minimum to open
- NoneSource · checked Oct 10, 2026
- Overdraft fee
- $36Source · checked Oct 10, 2026
- Overdraft transfer fee
- $13Source · checked Oct 10, 2026
- Withdrawals a month
- 3Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $2Source · checked Oct 10, 2026
- ATM network
- Commerce Bank ATM NetworkSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $3.50Source · checked Oct 10, 2026
- Incoming domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing domestic wire
- $45Source · checked Oct 10, 2026
- Paper statements
- $3 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $5Source · 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 savingsDebit cardInterest bearingOnline openingSavings round upsZelle
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