Commerce Bank Bonuses: $50, $300 Checking, Referral Promotions (CO, IL, KS, MN, MO, MS, NE, OK, TX)

Check out the latest Commerce Bank bonuses, promotions, 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.

Commerce Bank Bonuses Review

In the industry for more than 150 years, Commerce offers a super-community banking experience that pairs large bank products and services with deep local market knowledge and experience. Furthermore, they are dedicated to helping their customers meet their challenges with solutions.

I’ll go over the Commerce Bank Bonuses below.

Commerce Bank $300 Checking Bonus (Targeted)

Receive a $300 checking bonus when you open a new checking account and meet the requirements.

• What you’ll get: $300 Bonus
• Eligible account: Commerce Free Checking
• Where it’s available: CO, IL, KS, OK, MI  (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • 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.

(Expires 10/08/2024)

Fine Print

• 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 Bonuses

Commerce Bank is currently offering a $50 Referral Bonus when you refer a friend or family member for a new Personal Checking Account.

• What you’ll get: $50 Bonus
• Eligible account: CommerceBasic Checking, CommerceInterest Checking, CommerceRelationship Checking, CommerceStudent Checking
• Where it’s available: CO, IL, KS, OK, MI
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: Varies
• How to earn it:
  • Fill out the referral form online and Refer a friend or family member for a new Personal Checking Account.
  • Have at least one $300 or more direct deposit
  • Enroll in Online Banking and eStatements.

(Limited time offer)

Commerce Bank $200 Checking Bonus (Targeted) (Expired)

Receive a $200 checking bonus when you open a new checking account and meet the requirements.

• What you’ll get: $200 Bonus
• Eligible account: Commerce Free Checking
• Where it’s available: CO, IL, KS, OK, MI  (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • 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

Fine Print

• 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 $200 Money Market Bonus (Expired)

Receive up to $200 yearly when you open a myRewards Money Market account.

• What you’ll get: $200 Bonus
• Eligible account: myRewards Money Market
• Where it’s available: CO, IL, KS, OK, MI
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • Maintain a CommerceBasic, CommerceInterest or CommerceRelationship checking account.
  • You must maintain the $500 minimum daily balance every day of a month or a $1,000 average daily balance for the monthly cycle, or have at least one electronic deposit of $25 or more during the month to avoid a service charge that month.
  • Must activate Online Banking and sign up for paperless statements to get free monthly paperless statement.

(Limited time offer)

Commerce Bank $100 Savings Bonus (Expired)

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
• Eligible account: CommerceBasic Checking, CommerceInterest Checking or CommerceRelationship Checking account + myRewards Savings
• Where it’s available: CO, IL, KS, OK, MI
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • Open a myRewards Savings account 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.

(No Expiration Date)

(Expired) Commerce Bank $500 Checking Bonus

Receive up to $500 checking bonus when you open a new checking account and meet the requirements.

• What you’ll get: $500 Bonus
• Eligible account: CommerceRelationship Checking
• Where it’s available: CO, IL, KS, OK, MI
• Credit Inquiry: Soft Pull
• Direct Deposit Required:
• Monthly Fee: None
• How to earn it:
  • To earn bonus, click “Apply Online” above OR use the promo code from the ad to open a CommerceRelationship Checking account with $100 by April 30, 2021.
  • Complete at least 10 debit card purchases within 60 days.
  • Maintain an account balance of at least $2,500 in your account at the end of daily processing 60 days after account opening

(Offer Expires 04/30/2021)

Fine Print

• 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.

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).

Conclusion

Lastly, if you currently reside in one of the states Commerce Bank operates in, you now have the perfect opportunity to obtain up to a $400 bonus with a new Checking Account! All you would have to do to obtain any of the promotional offers listed above, is to meet all the requirements associated.

However, you can also take advantage of our list of Savings, Money Market, and CD rates.

• Best Savings/Money Market rates
• Best CD Account rates

Additionally, if you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

However, feel free to comment on this post with any questions you may have about Commerce Bank, their accounts they offer, or Commerce Bank coupon codes.

Additionally, check back often for more Commerce Bank Bonuses, Promotions, or Offers!