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Commerce Bank Promotions

$100

Savings Account - $100 Bonus

Open up to 5 savings account and make monthly savings deposit for 11 months in a row to receive a reward of up to $20 on your 12th month.The bonus is the average of your deposits made to each myRewards Savings account during the previous 11 consecutive months. Up to a maximum of $40 per household for all eligible accounts. You may not have more than 4 withdrawals per year, per myRewards Savings account

3.90%

11-Month CD - Up to 3.90% APY

APY is for ZIP code 64105 and for balances $9,999 and up.

3.20%

18-Month CD - 3.20% APY

APY is for ZIP code 64105 and for balances $9,999 and up.

Free Checking

  • $25 minimum opening deposit
  • No monthly service fee
Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires 5/31/2026
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 05/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Expires 3/31/2026

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

HSBC
Member FDIC

HSBC Premier - Earn Up to $7,000

Expires 3/31/2026
It's easy. The more you fund, the more you earn. Discover all that Premier can do for you

  • Send and receive money with Zelle® right from our mobile app
  • Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
  • Enjoy peace of mind with unique travel benefits available through our credit cards

Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.

  • Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
  • Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
  • Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
  • Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+

If all offer requirements are met, the bonus will be paid by August 31, 2026.

Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 4/14/2026
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC

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$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code Oct25NewBonus at account opening. Complete 10 or more debit card purchases by March 9, 2026. Maintain a balance of at least $300 in the account until March 9, 2026.

Expired 12/2/2025
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code Oct25NewBonus at account opening. Set up and receive recurring direct deposits totaling $3,000 - $4,999.99 by March 9, 2026.

Expired 12/2/2025
$700

Personal Checking Account - $700 Bonus

Open a new qualifying checking account. Use promo code Oct25NewBonus at account opening. Set up and receive recurring direct deposits totaling $5,000 or more by March 9, 2026.

Expired 12/2/2025
$500

Referral Program - Up to $500 Bonus

Get $50 Visa Reward Card for every successful referral you make. Your referrals should open and use a new Commerce Bank personal checking account. Refer your friends and family online, by phone at 844-891-3868, or at any Commerce Bank branch. Terms and conditions apply.

Expired 11/7/2025
$700

Personal Checking Account - $700 Bonus

Open a new qualifying checking account. Use promo code Jul25NewBonus at account opening. Set up and receive recurring direct deposits totaling $5,000 or more by December 29, 2025.

Expired 9/23/2025
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code Jul25NewBonus at account opening. Complete 10 or more debit card purchases by December 29, 2025. Maintain a balance of at least $300 in the account until December 29, 2025.

Expired 9/23/2025
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code Jul25NewBonus at account opening. Set up and receive recurring direct deposits totaling $3,000 - $4,999.99 by December 29, 2025.

Expired 9/23/2025
$700

Personal Checking Account - $700 Bonus

Open a new qualifying checking account. Use promo code May25NewBonus at account opening. Set up and receive recurring direct deposits totaling $5,000 or more by October 25, 2025.

Expired 7/15/2025
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code May25NewBonus at account opening. Set up and receive recurring direct deposits totaling $3,000 - $4,999.99 by October 25, 2025.

Expired 7/15/2025
$300

Personal Checking Account - $300 Bonus

Open a new qualifying checking account. Use promo code May25NewBonus at account opening. Complete 10 or more debit card purchases by October 25, 2025. Maintain a balance of at least $300 in the account until October 25, 2025.

Expired 7/15/2025

Commerce Bank CD Rates

What is Commerce Bank's CD rates?
  • 11-Month CD - Up to 3.90% APY
  • 18-Month CD - 3.20% APY

Information sourced from the published website as of 10/03/2025.

 U.S. Bank
Member FDIC
 Learn MoreLearn More
 

Commerce Bank

U.S. Bank

 

Benefits and Features

Savings Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.
CD Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
Checking 
Smartly Checking
Money Market 0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance.
Mobile App 
iOS & Android
ATMs 4,700+ U.S. Bank ATMs across the country
Customer Service 24/7 Live Customer Service (Telephone)
IRA Money Market Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations 
2,000+ branches
 Learn MoreLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Commerce Bank: Information sourced from the published website as of 10/03/2025.

U.S. Bank: Pricing information from published website as of 01/18/2026 based on 91107 zip code.


Commerce Bank Alternatives

U.S. Bank
Member FDIC

U.S. Bank Platinum Business Checking - $1,200 Bonus

Expires 3/31/2026

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Platinum Business Checking: $1,200 bonus with $25,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

Bank of America
Member FDIC

Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer

Expires 12/31/2026
  • The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new eligible business checking customers only.
  • Offer expires 12/31/2026.
  • To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you are eligible for.
    Balance RequirementCash Bonus Tier
    $5,000$400
    $15,000$750
  • Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
  • After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
  • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
  • Bank of America, N.A. Member FDIC
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 3.75% APY

  • 3.75% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures
Bluevine

Free Business Checking - Earn $500 Bonus

Expires 3/31/2026

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:

  • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
  • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
  • Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC

Lili

Free Checking Account for Small Business Owners

  • Sign up in 3 minutes; no credit check
  • No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
  • Automatic Savings
  • Get paid up to 2 days early
  • Savings with up to 4.00% APY
Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC
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More Bank Promotions

U.S. Bank
Member FDIC

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Virtual Wallet with Performance Select Checking - $400 Bonus

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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*Terms and conditions apply. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. Please review the merchant's website for terms and conditions.

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