Monthly fee
$22
−$264 a year for an everyday customer: fees and interest, $2,000 kept.
Commerce Bank · Checking account
Commerce Relationship Checking
−$264 a year for an everyday customer. $22 a month. $100 to open.
- A year, everyday customer
- −$264
- 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
#973of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Contactless card
- Debit card
- Early direct deposit
- Free checks
- Free external transfers
- Interest bearing
- Mobile check deposit
- Mobile wallet
- No foreign transaction fee
- 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
- Interest compounds
- We use the daily balance method to calculate the interest on your account.commercebank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $22 a monthcommercebank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $5,000 average daily balance in this account
- $15,000 in combined deposit balances (checking, savings, money market, CD and retail IRA balances)
- Minimum to open
- $100commercebank.com, checked Nov 8, 2026
- ATM network
- Free Commerce ATMs nationwidecommercebank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonecommercebank.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $10 a monthcommercebank.com, checked Nov 8, 2026
- Paper statements
- Nonecommercebank.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