Business Banking » Checking Accounts

Choosing the Right Commerce Checking Account

Commerce Checking Grows with Your Business

Commerce Checking accounts are tailored to grow with your business while simplifying your business banking transactions. The goal of our products and services is to provide you with a variety of clear choices, tailored to help your business grow.

Benefits with Commerce Accounts
  • FREE Simply e Internet Banking and Bill Pay
  • e-Statements are available through our Internet Banking service
  • Branch merchant windows in many locations

We offer four different levels of business checking accounts for varying business sizes and needs. Find out which account is best for you!


                   Commerce Value Checking Commerce Value Checking
                   Commerce Checking Commerce Checking
                   Commerce Interest Checking Commerce Interest Checking
                   Commerce Analyzed Checking Commerce Analyzed Checking
                                                                                               *Per month is defined as per monthly statement cycle.

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Commerce Value Checking

A business checking account with the essential services! Commerce Value Checking is ideal for businesses that make few deposits and write minimal checks in each statement cycle.1

  • Minimum opening deposit: $100
  • A low monthly service charge of $6. Monthly service charge is waived when enrolled in
    e-Statements; excess transaction fees still apply
  • No monthly minimum or average balance required
  • FREE - 25 debits per statement cycle! $.25 each additional item
  • FREE - 4 deposits per statement cycle! $1.50 each additional deposit

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Commerce Checking

A popular account for businesses of any size! Intended for businesses with occasional deposits and a moderate number of checks written per statement cycle.1

  • Minimum opening deposit: $100
  • Monthly service charge of $12; only $7 when enrolled in e-Statements
  • Monthly service charge is waived with a minimum balance of $3,500 or average balance of $7,000, or $20,000 balance in linked accounts.2 Excess transaction fees still apply
  • FREE - 100 debits per statement cycle! $.25 each additional item
  • FREE - 20 deposits per statement cycle! $1.50 each additional deposit

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Commerce Interest Checking

A great checking account just for a Sole Proprietor or Non-Profit Organization that wants to earn interest on their account!1

  • Minimum opening deposit: $100
  • Monthly service charge of $15; only $10 when enrolled in e-Statements
  • Monthly service charge is waived with a minimum balance of $4,500 or average balance of $8,000, or $25,000 balance in linked accounts.2 Excess transaction fees apply
  • FREE - 100 debits per statement cycle! $.25 each additional item
  • FREE - 20 deposits per statement cycle! $1.50 each additional deposit

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Commerce Analyzed Checking

Ideal for customers with high transaction volume and prefer a comprehensive combined banking relationship. The more business an Analyzed Checking customer conducts with the bank, the greater the benefits received. This account well suits the needs of medium to larger sized businesses.

  • Minimum opening deposit $100
  • Detailed and consolidated records: An account that combines the total cost of all of the services a business uses and offsets them with earnings credits which are earned during the statement cycle
  • Multiple accounts can be combined to maximize return
  • Reduce your monthly service charges with an earnings credit: The Bank calculates all transactions conducted during the statement cycle and the earnings credit is credited against the fees accumulated on any of your banking services. Your earnings credit will not exceed your service charges or accumulate from month to month
  • The interest rate used to calculate the earnings credit is based upon current market rates

For information on interest calculations and payments or additional terms, please refer to account disclosures available in our branches.

1 Accounts with high transaction volume and business activity may be subject to a review by the Bank and converted to a Commerce Analyzed Checking. Depositor will be notified in advance.

2 Maximum of two linked accounts which may be any combination of savings or money market; balances used will be current balances in linked accounts on the statement cycle date.

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