Minimum Opening Deposit
A $100.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by:-Maintaining a minimum daily balance of $1,000.00 OR At least one direct deposit of $500.00 or more
Annual Percentage Yield (APY)
This is a interest-bearing checking account. The account earns 0.01% interest.
Debit Cards & Using ATMs
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
There is a $2.50 fee each time you use a ATM in another country. In addition, 2% of transaction amount is charged.
Electronic & Telephone Banking
Online Bill Pay
There is a $6.95 monthly service fee for Online Billpay, plus a $0.60 per item charge for all bill payments after the first 20 per month.
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds between commerce accounts;- An iPhone application to view account balances, view recent activity, transfer funds between Commerce accounts; - An Android application to view account balances, view recent activity, transfer funds between Commerce accounts.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
This Email Alert feature enables you to receive various alerts, including:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
There is a $3.00 monthly fee to receive statements by mail. Enroll in E-Statements to avoid this fee.
Check Images with Statements
There is a $4.00 monthly fee to receive images of cancelled checks with monthly statements.There is a $4.00 monthly fee to receive images of cancelled checks with monthly statements.
Online Check Images
You can view 24 months of images of canceled checks online for an fee of $1.00 per month.
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $35.00 for each overdraft.
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $12.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Transfer fee of $10.00. The transfer fee is charged for every $10.00 of negative balance;- Funds are transferred in fixed increments of $10.00.