Personal Banking

SAVINGS AND MONEY MARKET PLANS

Commerce Savings –
• Minimum balance to open is $250.00.

• Quarterly statements unless there is EFT activity or part of a combined statement then statement is sent monthly.

• Avoid monthly fees by maintaining either a daily minimum balance of $250.00 or a monthly average balance of $600.00. If balance requirements are not met, maintenance fee is $5.00 per month.

Commerce Choice Money Market –
• Minimum balance to open is $2,000.00.

• Monthly Statements

• Avoid fees by maintaining either a daily minimum balance of $2,000 or a monthly average balance of $8,000.00 in a Money Market Account OR $50,000 in CD products.

• Maintenance fee of $10.00 per month if required balances are not met.

Personal Banking

Checking Plans Without Interest

Checking Plans With Interest

Savings and Money Market Plans

Platinum Money Market

Certificates of Deposit

Individual Retirement Accounts

• Regardless of account balance, there is a $1.00 processing fee for checks or withdrawals (non-ACH) made for less than $250.00.

Transfer Limits for Savings & Money Market-
Monthly Monitoring of 3rd Party Preauthorized Withdrawals. Limit is 6 per month of which only 3 can be made by check or debit card. Preauthorized withdrawals include: Telephone Transfers, Fax Requests, Home Computers, Automatic Transfers to other deposit accounts, and ACH Payments made to 3rd Parties.Interest Rate Structure and Calculation For Commerce Savings, Commerce Choice and other Checking with Interest Plans

At our discretion, we may change the interest rate at anytime.

Interest will be compounded and credited to your account monthly.

Interest begins to accrue no later than the first business day after we receive credit for non-cash items (checks) and we use the daily balance method to calculate the interest, applying a periodic rate to the collected balance in the account each day using a 365 day basis.

For your convenience, Commerce State Bank offers Internet Banking. Check your account balance(s) anytime or anywhere and view the history for your account(s). You can also transfer funds. Contact the bank for more information!

Debit Card & Teller Fees
Fees and limits applicable to Personal Checking and Savings Products that have Debit Card capabilities.

• Debit Card Issuance Fee One Card Free Per Account Owner
• Card or Pin Replacement Fee $5.00
• ATM Surcharge – Inquires & Withdrawals $.50/@if >6 total in a statement period

NOTICE REGARDING ATM FEES BY OTHERS: You may be charged a fee by the operator of the machine and/or by an automated transfer network.

International Transaction Assessment Fee: When you use your VISA debit card at a merchant that settles in currency other than U.S. dollars, the charge (i) will be converted into U.S. dollars using an exchange rate for the applicable processing date that is (a) selected by VISA from the range of rates available in wholesale currency markets (which rate may vary from the rate VISA itself receives) or (b) the government-mandated rate; and (ii) will assess an International Service Assessment Fee of 1% on all international transactions regardless of whether or not a currency conversion is involved. (Except in Puerto Rico and the US Virgin Islands.) We may pass this fee on to you.

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