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  Commerce Bank Relationship Checking Account
Commerce Bank Relationship Checking Account
in Checking Accounts from Commerce Bank · Member FDIC
Unaffiliated

Commerce Bank Relationship Checking Account

Unaffiliated
in Checking Accounts from Commerce Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
Monthly Fee $0 - $22
(Verified 07/08/2022)
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, a bank founded in 1865 and based in Kansas City, MO. Commerce Bank Relationship Checking Account are available in 50 states (and Washington, DC).

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.
  • No ATM fees. Commerce Bank Relationship Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2.75 for out-of-network ATM transactions.
  • Up to $10 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Commerce Bank.

Commerce Relationship checking Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • 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?

Yes, your deposits 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 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 Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $5,000
Minimum Combined Balance to Avoid Monthly Fee $15,000

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
Monthly Fee $0 - $22
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.75
ATM Reimbursement Monthly Limit 10
Foreign Transaction Fee (Debit Card) 3%
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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Image Service $0
Debit Card Replacement Fee $5
Early Account Closure $5

Does Commerce Relationship checking charge overdraft fees?

Yes, Commerce Relationship checking charges a $37 fee for every overdraft. You can get overdraft protection at a cost of $12 per transaction.

What features and perks does Commerce Relationship checking offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $10.
  • Fraud monitoring - Commerce Relationship checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Commerce Relationship checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

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 Relationship checking

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.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $5,000
Minimum Combined Balance to Avoid Monthly Fee $15,000
Monthly Fee $0 - $22
(Verified 07/08/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.75
ATM Reimbursement Monthly Limit 10
Foreign Transaction Fee (Debit Card) 3%
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
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Image Service $0
Debit Card Replacement Fee $5
Early Account Closure $5
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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