Checking and Savings

From day-to-day expenses to emergency funds and short-terms savings, The Private Bank at Commerce Trust has checking and savings accounts that provide convenience and can save you time and money. 

The Commerce Private
Options Account                 



The Commerce Private Options Account addresses many of the daily banking, borrowing and savings needs of Private Bank clients in one convenient package. The package offers attractive rates and reduced or eliminated fees as a benefit of your relationship with Commerce Trust. If you remain a Private Bank client, there is no average balance requirement and fees are waived. 

A Comprehensive Fiduciary Approach

Private Options Benefits

Your Private Banking Relationship Manager can help you take full advantage of Private Options benefits.

Insurance
Checking with
Convenient Access1
  • Commerce Private Options interest-bearing checking account
  • Free ATM transactions – no Commerce fee and rebate of other banks’ fees2
  • Online Banking and Bill Pay
  • Overdraft protection through your Private
  • Banking Visa Signature® card
  • Free stop payments3 and check copies4
  • Free Platinum Visa® Debit Card
Specialty Loans and Lines of Credit
Loans and Credit Cards to Meet Your Borrowing Needs5
  • Preferred rate discount on personal loans and lines of credit
  • Origination fees waived on personal loans
  • Preferred rate Home Equity Line of Credit
  • Private Banking Visa Signature® card with rewards
Insurance Premium Financing
Additional
Benefits
  • Free notary services
  • Free 3"x 5" safe deposit box or equivalent annual credit toward purchase of a larger box6
  • Your Commerce Trust advisor can connect with an insurance specialist to review your existing insurance policies and additional insurance need

1When choosing a Commerce Private Options Checking Account and a corresponding credit card, you automatically receive debit functionality and ATM access with your credit card product.


2Commerce will rebate up to $30 per month for ATM charges imposed by other financial institutions and waive our ATM charges.

3Three free stop payments per year.

4Six free check copies per month.

5Personal loan rate discount offered for automatic payment from your Commerce Checking Account. Mortgages and dealer loans are not eligible to receive personal loan discounts. Loans and credit cards subject to credit approval. Insurance must be carried on property securing home equity loans.


6Safe deposit boxes subject to availability. All rates and terms subject to change. See your Private Banking Relationship Manager for rate details.

The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank, Member FDIC.

Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situation. 

Interested in learning more about Commerce Private Options?

Submit this form to request a call from a Private Banking Relationship Manager.

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