Find an updated list of Commerce Bank promotions, bonuses, and offers here.
Update 8/26/24: Check your mail / email as you may have been targeted for a $300 checking bonus. You must receive this offer to redeem! Valid through 10/8/24.
About Commerce Bank Promotions Review
Commerce Bank has 168 branches that serves Kansas, Illinois, Missouri, Oklahoma, and Colorado. Additionally, they have branches in Texas, Ohio, Arkansas, Tennessee, Kentucky, Nebraska, Iowa, Minnesota, Michigan, and Wisconsin.
Next, I will be reviewing Commerce Bank promotions below.
Commerce Bank $300 Checking Bonus (Targeted)
Commerce Bank is offering a $300 bonus when you open a checking account and meet the eligible requirements.
- What you’ll get: $300 bonus
- Account Type: Checking,
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX
- Direct Deposit Requirement: No (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes, sensitive
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None listed
(Expires 10/08/2024)
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- New checking customers: Use promo code AUG24Free
- Open a new Commerce Free Checking account by 10/8/24, add funds within 30 days.
- Make 10 debit card purchases within 60 days of account opening.
- Have at least $300 in your account at the end of nightly processing, 60 days after account opening.
- You must be a direct recipient of this offer to qualify for the $300 bonus.
- This offer is not intended for the general public.
- Limited-time offer.
- Offer and promo code are not transferable and is only valid for recipients of mailed offer.
- This offer cannot be combined with any other checking offers or promotions.
- Only one offer per household.
- Name and address on new account must match the mail piece to be eligible for the bonus.
- To qualify for the $300 bonus: a) You must provide the promo code above at the time of account opening; b) Your new Commerce Free Checking account must be opened by February 27, 2024 and funded within 30 days; c) You must complete at least 10 purchases using your associated debit card within 60 days of account opening. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions; d) Account must have a balance of at least $300 after all transactions, fees and charges have been applied at the end of nightly processing, 60 days after account opening; and e) You must be a new checking customer, meaning one who has not owned a Commerce Bank checking account in the 12 months prior to account opening.
- We will determine whether all requirements for the bonus have been met, 60 days after account opening.
- If you have completed all the above requirements and your account remains open, your bonus will be paid approximately 90 days after account opening, by crediting your Commerce Free Checking account.
- Maximum total bonus $300.
- The bonus will be reported as interest to the IRS. Commerce Bank reserves the right to determine eligibility for offer using Commerce Bank’s records.
- Offer may be revoked, restricted, or changed at any time at Commerce Bank’s sole discretion. Annual percentage yield 0.00%.
- Fees could reduce earnings on the account.
Commerce Bank $50 Referral Bonus
Earn a $50 Visa Card for each referral to Commerce Bank.
Once you join Commerce Bank you can start referring new members and for every referral that meet all the requirements, you can earn a $50 bonus.
- What you’ll get: $50 bonus
- Account Type: CommerceBasic Checking, CommerceInterest Checking, CommerceRelationship Checking, CommerceStudent Checking,
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX (Bank Locator)
- Direct Deposit Requirement: Optional (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes, sensitive
- Credit Card Funding: None
- Monthly Fees: None – $20, avoidable
- Early Account Termination Fee: None
- Household Limit: None listed
(Limited time offer)
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How to Earn Bonus
RECEIVE THE BONUSFINE PRINT
- Refer a friend or family member to Commerce Bank by providing their contact information
- Provide a valid email address for the friends or family members you are referring or share this offer via social media.
- Then your friend or family member will receive an email notification containing registration instructions.
- Once the referee completes all of the qualifications listed below you will both receive the $50 bonus.
- Remember that it takes 4-6 weeks for delivery of your Reward Card after completing all requirements of this offer.
- Your referral will receive an email notification containing registration instructions and requirements of this offer from the current customer referring you.
- They must have at least one $300 or more direct deposit (such as recurring payroll or government benefit deposit), AND sign up for Online Banking and enroll in E-Statements.
- Keep in mind that you must complete the requirements listed above within 60 days.
- When you meet all of the requirements, the bonus will be deposited into your account.
- Complete your information in the registration form above and select GO!
- Provide contact information AND a valid email address for the friends or family members you are referring OR share this offer via social media.
- Your friend or family member will receive an email notification containing registration instructions and requirements of this offer.
Commerce Bank $200 Checking Bonus (Targeted) (Expired)
Open a Commerce Free checking account with Commerce Bank and earn a $200 bonus when you meet the qualifying requirements.
- What you’ll get: $200 bonus
- Account Type: Checking,
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX
- Direct Deposit Requirement: No (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes, sensitive
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None listed
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Use promo code EX200MAR23
- Open a new Commerce Free Checking account by May 23, 2023
- Make 10 debit card purchases by July 24, 2023
- Have at least $200 in your account at the end of nightly processing on July 24, 2023
- Limited-time offer.
- Offer and promo code are not transferable and are only valid for recipients of mailed offer. Only one offer per household. Name and address on new account must match this mail piece to be eligible for the bonus. To qualify for the $200 bonus: a) You must provide promo code from the mailed offer at the time of account opening. B) Your Free Checking account must be opened by May 23, 2023 and funded within 30 days. C) You must complete at least 10 purchases using your associated debit card by July 24, 2023. ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions. D) Account must have a balance of $200 on July 24, 2023, after all transactions, fees and charges have been applied at the end of nightly processing; and E) You must be a new checking customer, meaning one who has not owned a Commerce Bank checking account in the 12 months prior to account opening.
- We will determine whether all requirements for the bonus have been met as of July 24, 2023.
- If you have completed all the above requirements and your account remains open, you bonus will be paid August 21, 2023.
- By crediting you Free Checking account. Maximum total bonus $200.
- The bonus will be reported as interest to the IRS.
- Commerce Bank reserves the right to determine eligibility for the offer using Commerce Bank’s records.
- Offer may be revoked, restricted or changed at any time at Commerce Bank’s sole discretion.
- Annual percentage yield 0.00%. fees could reduce earnings on the account.
Commerce Bank $500 Checking Bonus (Expired)
Earn a $500 bonus for opening a CommerceRelationship checking account!
Commerce Bank is offering a $500 bonus when you open a checking account and meet the eligible requirements.
- What you’ll get: $500 bonus
- Account Type: CommerceRelationship Checking
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX
(Offer expires April 30, 2021)
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How to Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Click “Apply Online” above OR use the promo code from the ad to open a CommerceRelationship Checking account with $100 by January 29, 2021.
- Make 10 debit card purchases within 60 days.
- Have at least $2,500 in your account at the end of daily processing 60 days after account opening
- Limited time offer.
- Only one offer per household. T
- o qualify for the $500 bonus:
- a) You must provide the promo code from the advertisement at the time of account opening;
- b) You must complete at least 10 PIN Point of Sale or signature-based purchases using your associated debit card within 60 days of account opening.
- ATM withdrawals, pending transactions and withdrawals at a branch using your debit card are not qualifying transactions
- If you have completed all of the above requirements, your bonus will be paid within 8 weeks by crediting your CommerceRelationship Checking account.
- Maximum total bonus $500.
- The bonus will be reported as interest to the IRS.
Commerce Bank $200 Money Market Bonus (Expired)
Get a $200 bonus with this offer from Commerce Bank
Earn up to a bonus $200 yearly with a myRewards Money Market account from Commerce Bank.
- What you’ll get: $200 bonus
- Account Type: myRewards Money Market
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX
(No Expiration Date)
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- You will earn a bonus of a half percent on the average collected month-end balance for the previous 12 months, up to a max reward of $200 each year.
- Minimum daily balance of $500
- To be eligible for the bonus Reward, you must maintain a CommerceBasic, CommerceInterest or CommerceRelationship checking account.
- We will pay an annual bonus reward of 0.5% APY of the average collected month end balance in your myRewards Money Market account for the previous 12 months, up to a maximum of $200.
- Reward credited the 13th month after account opening, and annually thereafter.
- Annual Percentage Yield is 0.02% as of 8/1/17 on balances of $100 or greater and 0.00% APY on balances below $100.
- Rate may change after account is opened.
- Incentive of $10 or greater reported as interest to the IRS.
- Fees may reduce earnings.
Commerce Bank $100 Checking Savings Bonus (Expired)
Earn up to a $100 bonus at Commerce Bank.
Commerce Bank will give you up to a $100 bonus when you open savings account and fund them consistently for 11 months.
- What you’ll get: $100 bonus
- Account Type: CommerceBasic Checking, CommerceInterest Checking or CommerceRelationship Checking account + myRewards Savings
- Availability: CO, IL, KS, OK, MI, MN, MO, MS, NE, OK, TX
(No Expiration Date)
| Western Alliance Bank High-Yield Savings Premier (4.46% APY) | SoFi Checking & Savings ($325 Bonus + 4.20% APY) |
| Upgrade Premier Savings ($200 Bonus + 4.41% APY) | Live Oak Bank Savings ($300 Bonus + 4.30% APY) |
| CIT Bank Platinum Savings (4.70% APY) | Harborstone Credit Union Money Market (4.55% APY) |
How to Earn Bonus
EARN BONUSFINE PRINT
- Open a myRewards Savings account from Commerce Bank by maintaining either a CommerceBasic, CommerceInterest, or CommerceRelationship Checking
- Make 11 consecutive monthly deposits and 4 or fewer withdrawals per year
- The total matching Reward is determined by adding the average monthly deposit during the previous 11 months, up to 5 myRewards Savings accounts. The maximum matching Reward is $50 per account, for a maximum reward of $100 per year
- Then the reward will be credited annually starting in the 12th month after the first deposit
- Reward credited annually starting in the 12th month after the first deposit
- Annual Percentage Yield is 0.02% as of 8/1/17 on all balances
- Rate may change after account is opened
- Incentive of $10 or greater reported as interest to the IRS
- Fees may reduce earnings
- Subject to change – can be discontinued at any time
- Daily balance means ending ledger balance in the account each day
- Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account
- Monthly service charge waived for first 60 days after new account opening. This 60-day grace period does not apply to existing or converted accounts.
How To Waive Monthly Fees
- Commerce Free Checking: None
- Performance Money Market: None
- myBusiness Select Checking: None
- myBusiness Checking: None
- CommerceInterest Checking: $10 monthly fee. Have at least one $500 or more direct deposit OR daily balance of $1,000 in each statement cycle to waive.
- CommerceRelationship Checking: $20 monthly fee. Have at least one $5,000 average daily balance in this account OR $15,000 in combined deposit balances (checking, savings, money market, CD, and retail IRAs).
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Bottom Line
Commerce Bank is offering a bonuses ranging from $50-$500 when you meet all the requirements above. However, despite excessive requirements for a basic bonus amount, you can pair all the bonuses above. Thus, if you live near a Commerce Bank you can should definitely start taking advantage of their promotions.
If you have experience banking with Commerce Bank please leave us a comment below letting us know how it went. Because your feedback helps make our site better for everyone.
While they have multiple bonuses, Commerce Bank doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
*Compare Commerce Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!*
*Check back at this page for updated Commerce Bank promotions, bonuses and offers.
ALWAYS targeted. Why?
Banked with them for years. Little or no interest at all.
Commerce Bank IS NOT PAYING THESE BONUSES! They have all kinds of excuses, but THEY WON’T PAY THE BONUS! RUN AWAY FROM THIS OFFER!