Commerce Bank Bonuses and Promotions: Best Offers for 2026
Written by
Cynthia Bowman
Edited by
Nupur Gambhir, CFHC™
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Commerce Bank offers several bonuses and promotions in 2026, including cash bonuses for opening a new checking account, referral rewards and credit card sign-up offers. Depending on the promotion, new customers may earn up to several hundred dollars by meeting requirements such as setting up direct deposit, making debit card purchases or reaching a spending threshold.
These offers can change throughout the year and may vary by region or account type. Below are the best Commerce Bank bonuses and promotions currently available, along with the requirements needed to qualify.
Current Commerce Bank Bonuses and Promotions
The table below highlights some current Commerce Bank bonuses and promotional offers. Availability and eligibility may vary by location, and offers may change at any time.
| Promotion | Bonus amount | Key requirements | Expiration date |
|---|---|---|---|
| Personal checking account bonus | Up to $700 | Open a new eligible checking account and complete qualifying activities such as setting up direct deposits and making debit card purchases. Larger bonus tiers may require $5,000 or more in direct deposits during the promotional period. | Ongoing (may change) |
| Referral bonus program | $50 Visa reward card per referral | Refer someone who opens a new eligible Commerce checking account and completes the required account activity. Customers can earn up to $500 in total referral rewards. | Ongoing (may change) |
| Credit card sign-up bonus | $200 cash back | Open a qualifying Commerce credit card and spend $2,000 within the first three months after account opening. | Ongoing (may change) |
| Cash-back savings bonus | 25% bonus on redeemed rewards | Redeem Commerce credit card cash-back rewards and deposit them into a Commerce myRewards Savings account to receive the additional bonus. | Ongoing (may change) |
Commerce Bank Checking Account Bonus: Up To $700
Commerce Bank periodically offers checking account welcome bonuses worth up to $700 for new customers who open an eligible personal checking account and complete qualifying activities. The exact bonus amount usually depends on how much you deposit or how much you receive in direct deposits during the promotional period.
- Bonus value: Up to $700
- Minimum deposit to qualify: Varies by bonus tier (larger bonuses may require $5,000 or more in qualifying direct deposits)
- Expiration date: Ongoing
- How to get it: Open a new eligible Commerce Bank checking account and complete the required activities within the promotion window. This usually includes setting up qualifying direct deposits and meeting certain transaction or balance requirements.
- When you’ll get it: The bonus is typically credited to your account after the qualifying activities are completed and verified, which may take several weeks.
- Terms and conditions: Promotions are generally available to new customers only, and the direct deposits must typically come from payroll, government benefits or other qualifying income sources.
- Monthly fees: Varies by account type, though many Commerce checking accounts offer ways to waive the monthly service fee through direct deposit or balance requirements.
Commerce Bank Referral Bonus: $50 Reward
Commerce Bank offers a referral program that rewards existing customers for inviting friends or family members to open a new checking account.
- Bonus value: $50 Visa Reward Card per referral
- Minimum deposit to qualify: None specified
- Expiration date: Ongoing
- How to get it: An existing Commerce customer must refer you through the bank’s referral program. After opening a new eligible checking account, you must complete the required account activity to qualify.
- When you’ll get it: Referral rewards are typically issued after the new account meets the required activity criteria.
- Terms and conditions: Customers can earn up to $500 in referral rewards through the program, depending on how many successful referrals they make.
- Monthly fees: Depends on the checking account opened. Some accounts charge $0-$22 monthly, with waiver options available.
Commerce Bank Credit Card Bonus: $200 Cash Back
Commerce Bank occasionally offers credit card welcome bonuses, including a cash-back reward for new cardholders who meet a spending requirement.
- Bonus value: $200 cash back
- Minimum spending requirement: $2,000 in purchases
- Expiration date: Ongoing
- How to get it: Open a qualifying Commerce Bank credit card and spend at least $2,000 within the first three months of account opening.
- When you’ll get it: The bonus is typically credited to your account after the spending requirement is met and the transactions are processed.
- Terms and conditions: Purchases must qualify under the card’s promotional terms, and the account must remain open and in good standing.
- Annual fee: Varies by card product.
Commerce Bank myRewards Savings Bonus: 25% Extra Cash Back
Commerce Bank’s myRewards Savings account allows customers to earn a bonus when they deposit credit card rewards into the account.
- Bonus value: 25% bonus on redeemed rewards
- Minimum deposit to qualify: Must deposit eligible credit card cash-back rewards
- Expiration date: Ongoing
- How to get it: Redeem your Commerce Bank credit card cash-back rewards and deposit them into a Commerce myRewards Savings account.
- When you’ll get it: The additional bonus is typically credited after the redemption and deposit are processed.
- Terms and conditions: The bonus applies only when credit card rewards are deposited into a qualifying Commerce savings account.
- Monthly fees: Varies by account terms.
How To Qualify for a Commerce Bank Bonus
Qualifying for a Commerce Bank bonus usually requires opening a new eligible account and meeting the promotion’s requirements, such as setting up direct deposit or completing certain transactions.
To get started, you can apply online or visit a Commerce Bank branch. During the application process, the bank will typically ask for the following information:
- Two forms of identification, such as a driver’s license, state ID or passport
- Employer name and phone number
- Proof of your current address
Once your account is open, you’ll need to complete the specific requirements listed in the promotion, such as maintaining a balance, receiving qualifying direct deposits or meeting spending thresholds.
Comparing Commerce Bank Offers to Competitors
Looking for the best option for your banking needs? You’ll want to compare more than just the promotions or bonuses. Think about rates, fees and account options to find the right fit.
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$4.95 waivable monthly maintenance fee for Advantage Safe Banking accounts, $12 waivable monthly maintenance fee for Advantage Plus Banking accounts, $25 waivable monthly maintenance fee for Advantage Relationship Banking accounts
$10 to $25
$0 to $25, many waivable
APY
APY
APY
to
N/A
for Key Select Checking
Min Opening
Min Opening
Min Opening
$25 to $100
$0
$0 to $50
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$8 waivable monthly maintenance fee per statement cycle
$4 to $10
$0
APY
APY
APY
to for most accounts, 5% to 20% booster for Preferred Rewards members
Up to
Min Opening
Min Opening
Min Opening
$100
$50
$10
MOST COMPARABLE
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Early withdrawal fees apply
No monthly service fee
N/A
APY
APY
APY
to
on 5-month promo CD
Up to
Min Opening
Min Opening
Min Opening
$1,000
$1,000
$2,500
Tips for Maximizing Your Commerce Bank Offer
To make sure you get the full bonus from your Commerce Bank account, keep these tips in mind:
- Follow all the requirements: Stay on top of minimum deposit amounts and deadlines to make sure you qualify.
- Keep your account open: Some promotions require you to maintain the account for a set period — closing it early could mean you miss out on the bonus.
- Time your application wisely: Bonus offers vary throughout the year, so check for the best promotions before opening your account.
Are Commerce Bank Bonuses Worth It?
Commerce Bank offers a range of banking products for both personal and business customers, and its bonuses can provide extra value if you’re already planning to open a new account. Promotions often reward activities like setting up direct deposit, maintaining balances or meeting spending requirements.
If you live or work within Commerce Bank’s service area, these offers may be worth considering — especially when the bonus aligns with how you already manage your money. Since bank promotions change frequently, it’s a good idea to check back regularly for new or updated offers.
If the current promotions aren’t the right fit, keep in mind that many other banks also offer welcome bonuses, giving you plenty of options to compare.
FAQ
Here are the answers to some of the most frequently asked questions about Commerce Bank bonuses and promotions.- How long does it take to receive a new account bonus?
- Most Commerce Bank bonuses are issued four to six weeks after you meet the requirements.
- Can existing customers qualify for these promotions?
- Most promotions are for new customers but existing customers may qualify for referral bonuses.
- What happens if I close my account early?
- Closing your account may forfeit your bonus. Make sure you know the required minimum account duration.
- Are there any taxes on bank bonuses?
- Yes, bank bonuses are considered taxable income. Banks may issue a 1099-INT form, which you must report to the IRS.
More About Commerce Bank
Cynthia Measom contributed to the reporting for this article.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
