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  Commerce Bank Relationship Checking Account
Commerce Bank Relationship Checking Account
in Checking Accounts from Commerce Bank
Unaffiliated

Commerce Bank Relationship Checking Account

Unaffiliated
in Checking Accounts from Commerce Bank
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Highlights
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.

Key Takeaways
  • 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.
Commerce Relationship checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Commerce Relationship checking FAQ

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?

Commerce Bank Relationship Checking Account Rates & Terms
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.

Commerce Bank Relationship Checking Account Minimums
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.

Commerce Bank Relationship Checking Account Fees
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.

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Message From Commerce Bank

Take advantage of interest checking and other added benefits for carrying a higher account balance. Earn interest on your CommerceRelationship Checking account balances. In addition to the free services offered through all of our checking products, you can also take advantage of special perks, unique to this account.

Availability

  Available in 50 states and Washington, D.C.
  • 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
ATM Fee: In-Network $0
Check Image Service $0
Online Bill Pay Fee $0
Paper Statement Fee $0
ATM Reimbursement Monthly Limit 10
Debit Card Replacement Fee $5
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $22
NSF Fee $37
Overdraft Item Fee $37
Overdraft Protection Fee (per transfer) $12
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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
APY (Annual Percentage Yield) 0.01%

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