Commerce Bank Relationship Checking Account
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0.01% |
| Monthly Fee | $0 - $22 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
Commerce Bank Relationship Checking Account Review
Commerce Bank Relationship Checking Account is offered by Commerce Bank, founded in 1865 and based in Kansas City, MO. Commerce Bank Relationship Checking Account is available in 51 states across the USA.
- Low APY. The maximum annual percentage yield for this account is only 0.01%.
- Charges a monthly fee. This account charges a monthly service fee of up to $22, but the fee is waived if you keep a minimum balance of $5,000.
- $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
| Pros | Cons |
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Are checking accounts from Commerce Bank federally insured?
No, your Commerce Bank checking accounts are not insured by a federal insurance agency. This means that if Commerce Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.
What APY does Commerce Relationship checking offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.01% |
Commerce Relationship checking offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Commerce Relationship checking?
Commerce Relationship checking requires a minimum initial deposit of $100 to open an account.
| Description | |
|---|---|
| Minimum Combined Balance to Avoid Monthly Fee | $15,000 |
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
What fees does Commerce Relationship checking charge?
This account charges a monthly service fee of up to $22.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| ATM Reimbursement Monthly Limit | 10 |
| Check Image Service | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $5 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $0 - $22 |
| NSF Fee | $37 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $37 |
| Overdraft Protection Fee (per transfer) | $12 |
| Paper Statement Fee | $0 |
| Returned Deposit Fee (Domestic) | $11 |
| Returned Deposit Fee (International) | $11 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $12 |
| Wire Transfer Fee - Domestic (Outgoing) | $40 |
| Wire Transfer Fee - International (Incoming) | $35 |
| Wire Transfer Fee - International (Outgoing) | $60 |
| ATM Fee: Out-of-Network | Starting at $2.75 |
Does Commerce Relationship checking charge overdraft fees?
Yes, Commerce Relationship checking charges a $37 fee for every overdraft.Commerce Relationship checking offers overdraft protection at a cost of $12 per transaction.
What features and perks does Commerce Relationship checking offer?
This account includes the following features:
What is the customer support email for Commerce Relationship checking?
The customer support email for Commerce Relationship checking is mymoney@commercebank.com.
Message From Commerce Bank
Contact
- Headquarters
-
1000 Walnut Street
Kansas City, MO 64106 USA - (816) 234-2000
- Visit Site
- Email Support
Other Services by Commerce Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Minimum Combined Balance to Avoid Monthly Fee | $15,000 |
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | Starting at $5,000 |
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