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  Commerce Bank Checking Account

Commerce Bank Checking Account

in Checking Accounts from Commerce Bank

Unaffiliated

Commerce Bank Checking Account

Unaffiliated

in Checking Accounts from Commerce Bank

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Highlights
Highlights
Monthly Fee $0 - $20
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $2.75
APY 0.01% - 0.05%

Commerce Bank Checking Account Review

Commerce Bank Checking Account is offered by Commerce Bank, a bank founded in 1865 and based in Kansas City, MO. Commerce Bank Checking Account is offered in 50 states (and Washington, DC).

Are checking accounts from Commerce Bank federally insured?

Yes, your Commerce 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 Commerce Bank offer?

Commerce Bank Checking Account offers an APY starting at 0.01% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change).

Commerce Bank Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01% - 0.05%

What are the account minimums for Commerce Bank Checking Account?

Commerce Bank Checking Account requires a minimum initial deposit of $100 to open an account.

Commerce Bank Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $100

What fees does Commerce Bank Checking Account charge?

This account charges a monthly maintenance fee of up to $20.

Commerce Bank Checking Account Fees
Description
Monthly Fee $0 - $20
Paper Statement Fee $3
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.75
NSF Fee $37
Overdraft Protection Fee (per transfer) $12
Overdraft Item Fee $37
Early Account Closure $5
Returned Deposit Fee (Domestic) $11
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $35
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $40
Wire Transfer Fee - International (Outgoing) $60
Wire Transfer Fee - International (Incoming) $35
Returned Deposit Fee (International) $11
Wire Transfer Fee - Domestic (Incoming) $12

What features and perks does Commerce Bank Checking Account offer?

This account includes the following features:

  • Signup Bonus - Open an account and you will receive a signup bonus of up to $300 if you deposit a minimum of $.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Commerce Bank Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  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

Minimum Initial Deposit $100
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Monthly Fee $0 - $20
Paper Statement Fee $3
ATM Fee: Out-of-Network $2.75
NSF Fee $37
Overdraft Protection Fee (per transfer) $12
Overdraft Item Fee $37
Early Account Closure $5
Returned Deposit Fee (Domestic) $11
Debit Card Replacement Fee $5
Stop Payment Fee $35
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $40
Wire Transfer Fee - International (Outgoing) $60
Wire Transfer Fee - International (Incoming) $35
Returned Deposit Fee (International) $11
Wire Transfer Fee - Domestic (Incoming) $12
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
Signup Deposit Requirement $0
Signup Bonus $300
APY 0.01% - 0.05%

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