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  Comerica Bank Access Checking

Comerica Bank Access Checking

in Checking Accounts from Comerica Bank · Member FDIC

Unaffiliated

Comerica Bank Access Checking

Unaffiliated

in Checking Accounts from Comerica Bank · Member FDIC

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SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
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Community Rating

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Monthly Fee $0 - $13
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee $1,000
APY (Annual Percentage Yield) 0%

Comerica Bank Access Checking Review

Comerica Bank Access Checking is offered by Comerica Bank, a bank founded in 1849 and based in Dallas, TX. Comerica Bank Access Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, Comerica Bank Access Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $13, but the fee is waived if you keep a minimum balance of $1000 or have a monthly direct deposit of $250.
  • $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Free bill pay. Pay your bills to practically anyone in the United States through Comerica Bank.
  • Hard credit pull. Comerica Bank may require a hard pull on your credit report to open a checking account.
Comerica Bank Access Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Comerica Bank Access Checking FAQ

Are checking accounts from Comerica Bank federally insured?

Yes, your Comerica Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Comerica Bank Access Checking offer?

Comerica Bank Access Checking is not an interest-bearing account.

What are the account minimums for Comerica Bank Access Checking?

Comerica Bank Access Checking requires a minimum initial deposit of $50 to open an account.

Comerica Bank Access Checking Account Minimums
Description Amount
Minimum Initial Deposit $50
APY Minimum Balance $1
Minimum Direct Deposit to Avoid Monthly Fee $250
Minimum Balance to Avoid Monthly Fee $1,000

What fees does Comerica Bank Access Checking charge?

The good news is that this account does not have a monthly service charge.

Comerica Bank Access Checking Fees
Description
Monthly Fee $0 - $13
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
NSF Fee $26
Overdraft Protection Fee (per transfer) $8
Overdraft Item Fee $26
Early Account Closure $10
Returned Deposit Fee (Domestic) $13
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee $6
Online Bill Pay Fee $6.95
Stop Payment Fee $34
Check Image Service N/A
Check Copy $8
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $29
Wire Transfer Fee - International (Outgoing) $50
Wire Transfer Fee - International (Incoming) $15
Returned Deposit Fee (International) $13
Wire Transfer Fee - Domestic (Incoming) $11
ATM Reimbursement Monthly Limit N/A

What features and perks does Comerica Bank Access Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts ank complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Comerica Bank Access Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Comerica Bank Access Checking allows you to manage your money online.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

APY Minimum Balance $1
Minimum Direct Deposit to Avoid Monthly Fee $250
Minimum Initial Deposit $50
Minimum Balance to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
Check Cashing Fee $6
Check Copy $8
Debit Card Replacement Fee $5
Early Account Closure $10
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $13
NSF Fee $26
Online Bill Pay Fee $6.95
Overdraft Item Fee $26
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $13
Returned Deposit Fee (International) $13
Stop Payment Fee $34
Wire Transfer Fee - Domestic (Incoming) $11
Wire Transfer Fee - Domestic (Outgoing) $29
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • IRAs
  • FDIC Member
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • Interest Bearing Account
  • No Monthly Maintenance Fee

Comerica Bank Access Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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