Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Commerce Bank · Checking account
Commerce Free Checking
$0 a year for an everyday customer. No monthly fee. $25 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · commercebank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · commercebank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#300of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Automatic savings
- Bill pay
- Branch access
- Contactless card
- Debit card
- Early direct deposit
- Free checks
- Free external transfers
- Mobile check deposit
- No minimum balance
- Online opening
- Overdraft grace period
- Overdraft protection transfer
- Savings round ups
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Interest compounds
- N/Acommercebank.com, checked Nov 8, 2026
Fees
- Monthly fee
- Nonecommercebank.com, checked Nov 8, 2026
- Minimum to open
- $25commercebank.com, checked Nov 8, 2026
- Overdraft fee
- $36commercebank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $36commercebank.com, checked Nov 8, 2026
- Overdraft transfer fee
- $13commercebank.com, checked Nov 8, 2026
- ATM network
- Commerce Bank ATM Network; ATM locations worldwide displaying the network logos on the back of your cardcommercebank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3.50commercebank.com, checked Nov 8, 2026
- Incoming international wire
- $15commercebank.com, checked Nov 8, 2026
- Outgoing international wire
- $45commercebank.com, checked Nov 8, 2026
- Paper statements
- Nonecommercebank.com, checked Nov 8, 2026
- Inactivity fee
- $8commercebank.com, checked Nov 8, 2026
- Cashier’s check
- $8commercebank.com, checked Nov 8, 2026
- Stop payment
- $40commercebank.com, checked Nov 8, 2026
- Card replacement
- $5commercebank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees