Commerce National Bank offers a deposit product to meet your needs. To obtain more information, or open an account, just stop by our main office. If you need to reorder checks use our secure Check Reorder Form.

Thrifty Checking:

• Minimum Opening Balance $100.
• 15 checks/debits per month with no transaction fee; $.25/each check/debit thereafter.
• ATM/VISA Check Card available.
• Service charge of $3.00 per statement cycle; no minimum balance required.

Personal Checking:

• Minimum Opening Balance $100.
• Unlimited check writing.
• ATM/VISA Check Card available.
• Service charge of $8.00 per statement cycle if daily balance is below $500.

Money Maker Checking (NOW Account):

• Minimum opening balance $500.
• 40 checks/debits per month with no transaction fee; $.25/each check/debit thereafter.
• 50 deposited items per month with no transaction fee; $.08/each item deposited thereafter.
• Interest bearing - $500 average balance to earn APY - interest accrues daily, will be compounded & paid monthly.
• ATM/VISA Check Card available.
• Service charge of $8.00 per statement cycle if daily balance is below $1,000.

Premier Checking

• Minimum opening balance $5,000.
• 40 checks/debits per month with no transaction fee; $.25/each check/debit thereafter.
• 50 deposited items per month with no transaction fee; $.08/each item deposited thereafter.
• 4 balance tiers - You earn a higher APY for larger balances.
• Interest bearing - $1,000 average balance to earn APY - interest accrues daily, will be compounded & paid monthly.
• ATM/VISA Check Card available.
• Service charge of $10.00 per statement cycle if daily balance is below $5,000.

Student Checking

• Minimum Opening Balance $100.
• 15 checks/debits per month with no transaction fee; $.25/each check/debit thereafter.
• ATM/VISA Check Card available.
• No monthly service charge.
• One account per each full-time student under age 25.

Seniors Checking

• This account is for our customers age 60 and above.
• Minimum Opening Balance $100.
• Unlimited checkwriting.
• Free Graystone Wallet style checks.
• ATM/VISA Check Card available.
• No service charge on this account.

Money Market Investment

• Minimum opening balance $1,000.
• Unlimited in-person withdrawals, third party or telephone transactions limited to 6 per statement cycle, no more than 3 by check.
• 4 balance tiers - You earn a higher APY for larger balances.
• Interest bearing - $1,000 average balance to earn APY interest accrues daily, will be compounded & paid monthly.
• ATM/VISA Check Card available.
• Service charge of $8.00 per statement cycle if daily balance is below $1,000.

Regular Savings

• Minimum opening balance $100.
• Interest bearing - $25 average balance to earn APY - interest accrues daily, will be compounded & paid semi-annually.
• 12 withdrawal transactions per 6 month statement cycle/$1.00 per withdrawal thereafter.
• ATM Card available.

Christmas Club

• Minimum opening balance $5.
• Transfers will be made from your related deposit account.
• A check for the total balance will be mailed to you on the first Friday in November. This is the maturity date.
• Service charge of $2.00 per withdrawal prior to maturity.

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Small Business Checking

• Available to Sole Proprietorships, Partnerships, Corporations and LLCs.
• Minimum opening balance is $100.
• 75 checks/debits per month with no transaction fee; $.25/each check/debit thereafter.
• 100 deposited items per month with no transaction fee; $.10/each item deposited thereafter.
• ATM/VISA Check Card available.
• Service charge of $8.00 per statement cycle if daily balance is below $2,500.

Commercial Checking

• Available to Sole Proprietorships, Partnerships, Corporations, and LLCs.
• Minimum opening balance $100.
• Unlimited check writing.
• Earnings credit rate equal to 90 day U.S. T-bill rate offsets service charge and activity fees.
• Service charge of $7.00 per statement cycle plus $.12 per item paid and $.07 per item deposited.

Other Business Services

• Business Time Deposits
  
• Direct Deposit of Payroll
  
• Night Deposit
  
• Depository for Taxes
  
• Safe Deposit Box

FEE SCHEDULE

• Stop Payment: $15.00
• Insufficient Funds (per item): $25.00 - created by check, in-person withdrawal, ATM withdrawal, or other electronic means.
• Incoming/Outgoing Collection Item: $15.00
• Wire Transfers: $10.00
• Night Depository Service (per bag): $15.00
• Securities Transaction (minimum): $45.00
• Account Research/Reconcilement (per hour): $20.00
• Photocopies-Account Research (per page): $1.00
• Travelers Checks (per $100): $1.00
• Travelers Checks for Two (per $100): $1.50
• Official Checks: $3.00
  
• Inactive Account (per statement period): $3.00 (An account with no activity for 6 months and a balance less than $100. Assessed on savings accounts with no activity for 2 years and a balance less than $100)
• Excess Withdrawal - Regular Savings: $1.00
• Excess Transfer - MMIA: $10.00
• Account Closing: $10.00
  (Applies if account closes within 60 days of opening)
• Tax Levies or Garnishments: $25.00
• Check Printing: (Fee depends on style of check ordered)

Ask your banker for more information on services for which fees are not stated above.

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