[Targeted, MO, KS, IL OK, CO] Commerce Bank $700-$900 Checking Bonus

Update 9/22/26: new offer now is for 500 if opening account online using code Denver826 and Set up direct deposits totaling $3,000 per month for (2) consecutive months. must reside in the counties of Denver, Arapahoe, or Jefferson. Hat tip to reader churning

300 more if you open in branch , open a savings account and deposit 100.

Update 6/12/26: There is a $900 version (extra $200 for opening in branch) for Denver, Arapahoe, or Jefferson county residents (Colorado). Must open in branch. Hat tip to reader Phil

Update 3/27/26: New code is AnyBonus26Mar

Update 10/4/25: New code Oct25NewBonus

Update 7/30/25: Deal is back. Use promo code Jul25NewBonus. Offer ends September 23, 2025. Still contains targeted language. Hat tip to favo. There is also a Denver bonus for $1,000

Bonus page does have targeted language: “Offer and promo code are not transferable and are only valid for directly intended recipients of either a digital or mailed offer“. Bonus is being advertised on facebook though.

Offer at a glance

• Maximum bonus amount: $700
• Availability: Missouri, Kansas, Illinois, Oklahoma and Colorado
• Direct deposit required: Optional
• Additional requirements: Direct deposit or 10 debit purchases
• Hard/soft pull: Soft pull
• ChexSystems: Yes, sensitive
• Credit card funding: None
• Monthly fees: $20, avoidable
• Early account termination fee: None
• Household limit: One
• Expiration date: July 15, 2025

The Offer

Direct link to offer

• Commerce Bank is offering a $700 bonus when you open a new checking account. Must use promo code May25NewBonus.  Tiers are as follows:
  • $300 for making 10 debit card purchases, plus an account balance of $300
  • $300 for direct deposits totaling $3,000 to $4,999.99
  • $700 for direct deposits totaling $5,000 or more

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free checking has no monthly fees to worry about.

Early Account Termination Fee

According to this comment no early termination fee is charged.

Our Verdict

Much better than previous bonuses, think it’s worth doing given it is being advertised on facebook. Possible this gets shut down/stricter requirements though with the bonus being so big.

Hat tip to ShawntheShawn

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• PSA: Don’t Call The Bank
• Introduction To ChexSystems
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• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
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• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
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