Commerce Bank Checking Account

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Commerce Bank Checking Account


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Where does Commerce Bank Checking Account do business?

Commerce Bank Checking Account is based in Kansas City, MO. It was founded in 1865 and offers checking accounts services in 50 states (and Washington, DC).

Commerce Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Commerce Bank offer?


The APY of an account is the annual rate of return taking into account compounding interest and assuming your money remains in the account for a full year.This is not an interest-bearing account.

What features and perks does Commerce Bank Checking Account offer?

This account includes the following features.

  • Free debit card - Enjoy the convenience of a debit card without the extra fees. Debit cards make it easier to control your spending because unlike credit cards you can only spend what you already have in your account.

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.

  • Mobile Banking - Commerce Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

  • Nationwide ATM network - Never get caught out by a hipster cash-only business again.

  • Savings account - Commerce Bank Checking Account allows you link your checking account to a savings account. Connecting your checking account to a savings account reduces friction and makes it easier to put aside money toward savings on a regular basis.

What fees does Commerce Bank Checking Account charge?

Here is a list of the potential fees attached to this account:

  • International bank transfers come with a $60 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • If you lose your debit card, get ready to pay a $5 charge.
  • Keep an eye on your balance when making payments. Commerce Bank Checking Account charges a $37 fee.
  • An overdraft on your account will trigger a $37 fee per item.
  • Commerce Bank Checking Account charges $3 every time you request a paper statement.
  • Stop payment orders cost $35 a pop.

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Available in 50 States and Washington, DC
  • 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

Lost Debit Card Fee
Stop Payment Fee
Bank Transfer (National)
Bank Transfer (International)
Overdraft Item Fee
Paper Statement Fee
Overdraft Protection Fee (per transfer)
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Government Issued Photo ID
Bauer Financial A+/A Rating
Account Features
  • Bauer Financial A+/A Rating
  • CDs
  • Checking
  • Debit Card
  • FDIC Member
  • Free Bill Pay
  • Free Debit Card
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • Savings
  • Visa/Mastercard
Savings Interest Rate
Starting at
Checking Interest Rate
Starting at

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