Commerce Bank Relationship Checking Account
in
Checking Accounts from Commerce Bank
· Member FDIC
Unaffiliated
Commerce Bank Relationship Checking Account
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| 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 |
|---|---|
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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?
| 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 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.
| 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
Contact
- Headquarters
-
1000 Walnut Street
Kansas City, MO 64106 USA - (816) 234-2000
- Visit Site
- Email Support
Other Services by Commerce Bank
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 |
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