Minimum Opening Deposit
A $100.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $12.00 can be waived by:- Maintaining a minimum daily balance of $5,000.00;- Maintaining an combined average daily balance of $15,000.00 in combined deposit balances (checking, savings, money market and CD)
Annual Percentage Yield (APY)
This is a interest-bearing checking account. The account earns 0.01% interest.
Debit Cards & Using ATMs
ATM Fee Reimbursements
Up to $10.00 a month of other banks' fees will be refunded
Non-affiliated ATM Usage Fee
No fee to use a non-affiliated ATM, plus up to $10.00 a month of other banks' fees will be refunded
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
One free online bill pay account per household.
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
Free Commerce Globe wallet checks for the life of the account.
Monthly Paper Statements
Check Images with Statements
Online Check Images
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.