Commerce State Bank was born out of frustration of how banking got done. We know because we're bankers and it frustrated us. To succeed in business or in personal finance, you need the best and most trusted resources - an unbeatable blend of experience, speed and the best rates.

Our goal is to offer our clients just that - the power of unbeatable.

Commerce State Bank is made up of local people with a world of expertise. These are people from your community who you can trust to work with you to accomplish your goals in your timeframe. We understand the challenges that face local businesses and the concerns of local people because that's who we are.

The FDIC released guidance on its final rule amending its insurance and advertising regulations to conform with the permanent increase in deposit-insurance coverage to $250,000 per account, which took effect July 22, 2010.

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.