Monthly fee
$12
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Commerce Bank · Checking account
Commerce Interest Checking
$0 a year for an everyday customer. $12 a month. $100 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · commercebank.com
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
#302of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Contactless card
- Debit card
- Early direct deposit
- Free checks
- Free external transfers
- Interest bearing
- Mobile check deposit
- Mobile wallet
- Online opening
- Overdraft grace period
- 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
- Balance needed for the APY
- $0commercebank.com, checked Nov 8, 2026
- To earn the APY
- When your collected balance is greater than $1,000, you may earn a higher rate of interest.commercebank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $12 a monthcommercebank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- one direct deposit of $500 or more
- maintain a daily balance of $1,000 in each statement cycle
- Minimum to open
- $100commercebank.com, checked Nov 8, 2026
- ATM network
- Free Commerce ATMscommercebank.com, checked Nov 8, 2026
- Paper statements
- $4 a monthcommercebank.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