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Checking Accounts
Savings Options
Plastic
Accessory Products
Loans
100
Commerce Bank’s most basic checking account. It has no minimum balance requirements or direct deposit requirements but, writing checks will cost you $2 each.
What is MyDirect Checking
100
This account is reserved for parents or guardians wanting to put money aside for their young loved ones. It has no minimum balance requirement and only allows 1 authorized signer.
What is a Minor Savings account
100
This product is free with all of our checking accounts. Depending on what level of account our customers has, the more benefits they might receive.
What is a Commerce Visa Check Card
100
These allow our customers to pay bills without using cash or money orders. It also allows our customer to access their funds without a debit card. With some of our accounts, these are free.
What are checks
100
This product is great for people who are looking for fast access to cash for large or small purchases. You only pay when you draw on this product.
What is a ReadyLine of Credit
200
Requires the customer to have a direct deposit of $500 or more monthly or a relationship balance of at least $1,500.
What is MyRewards Checking
200
This account has a $300 minimum balance requirement or a monthly electronic deposit of $25 to waive the $3 fee. It also has a cash rewards program associated with it but you have to have cornerstone checking account to open this type of account.
What is MyReward Savings account
200
This product would be great for a customer trying to re-build their credit, establish credit or is not a U.S. resident.
What is a Commerce Secured Visa Credit Card
200
This product is great for people who are traveling, trying to budget or want a way to manage their children’s spending. It can be used everywhere Visa is excepted.
What is a MySpending Card
200
This product can be used to purchase a vehicle or boat, consolidate debt or make any large purchase. It can be secured or unsecured.
What is a Personal Loan
300
This account has added benefits such as loan discounts, free ATMs, free checks and an interest bearing checking account.
What is Commerce Options Plus/Premium
300
This account has a $500 daily balance or $1000 average daily balance requirement or a monthly $25 electronic deposit to waive the $6 fee. It also has a cash rewards program associated with it.
What is MyRewards Money Market
300
This product gives our customer 5Xs points on gas, groceries and dining for the first 6 months. It also has a 0% introductory interest rate for 9 months. Customers can turn their points in for cash, merchandise or gift cards.
What is a MyRewards Visa or Mastercard Credit Card
300
This product gives or customer the peace of mind that they will have someone in their corner if their identity is ever stolen. It protects their entire family and provides up to $25,000 for qualified expenses when re-establishing identity.
What is Family ID Restoration
300
This product is great for homeowners who are looking to make a large purchase or consolidate debt who need a lump sum of money and fixed interest rate.
What is a Home Equity Loan
400
This account is reserved for employees of our commercial customers. It allows these customers to provide an added benefit to their employees for no added expense.
What is Benefits Banking Select/Plus/Premium
400
This tiered interest account offers our highest rates for some of our best customers. It has a $5,000 relationship balance requirement.
What is Commerce Options Money Market
400
This products gives our high income customers exclusive rewards with high value features and benefits.
What is a Visa Signature Credit Card
400
This product can protect our customers from expensive fees and returned items if they make a mistake in their checkbook.
What is Overdraft Protection
400
This product is great for homeowners who are looking for an affordable way to pay tuition, make home repairs or have an emergency fund. Customers only pay when they draw on this product.
What is a Home Equity Line of Credit
500
The $5 fee on this account is waived as long as our customer has both their personal and business accounts with Commerce. It allows our customer to have 25 free transactions, free OLB and Bill Pay and $5000 in cash deposits.
What is MyBusiness Checking
500
These accounts offer a higher interest rate but does not allow our customers to access the money for a set amount of time.
What are CD's
500
This product allows our business customer to manage their cash flow and keep their personal and business purchases separate. It also has a rewards program similar to the Rewards Visa or Mastercard.
What is a Business Visa Rewards Credit Card
500
This product protect a family’s financial future when someone they love passes away.
What is IPS Life Insurance
500
These products have no closing costs and the interest paid can be tax deductable.
What is a Home Equity Line or Loan