[Expired][MO, KS, IL, OK & CO] Commerce Bank $200 Checking & $100 Money Market Bonus – No Requirements

This bonus has expired, but plenty of other great checking bonuses. Click here to view the best ones still active.

Originally posted on September 24th, 2017. Reposting on November 20th, 2017 as the bonus is back. Account does need to be kept open for six months to get bonus now. Hat tip to reader Nathan.

Offer at a glance

• Maximum bonus amount: $200 for checking + $100 for money market
• Availability: Missouri, Kansas, Illinois, Oklahoma and Colorado
• Direct deposit required: No
• Additional requirements: Account in good standing
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: None
• Monthly fees: $20 + $6, avoidable
• Early account termination fee: None
• Household limit: One
• Expiration date: July 8th, 2017 September 22nd, 2017 October 6th, 2017 November 30th, 2017

The Offer

Direct link to offer

• Open a new CommerceRelationship checking account and receive a bonus of $200
• Open a new Money Market account and receive an additional $100 when you deposit $10,000.

The Fine Print

• Limited time offer. To receive the $200 and $100 incentives, your CommerceRelationship Checking and Premium Money Market Account or CommerceOptions^SM Premium Money Market Account must be opened by November 30, 2017, and must be in good standing 6 months after opening.
• Both incentives credited the next month to your CommerceRelationship Checking account.
• Both incentives will be reported as interest to the IRS. Maximum total incentive $300.
• Minimum balance requirement of $10,000 in the Money Market Account to receive the $100 incentive.

Avoiding Fees

I wasn’t able to find the fee schedule so unsure if an early account termination fee is charged or not. According to this comment none is charged.

CommerceRelationship Checking $20 Fee

The monthly fee on this account is waived if  you have:

• $5,000 average daily balance in this account OR
• $15,000 in combined deposit balances

myRewards Money Market $6 Fee

The monthly fee on this account is waived if  you have:

• $500 daily balance OR
• $1,000 average daily balance for the monthly cycle each month OR
• at least one monthly electronic deposit, including Online Banking transfers, of $25 or more

Our Verdict

This is a fantastic offer and it’s great that the bonus is showing on the landing page now. There is nothing in the fine print that says it’s targeted, so it should be open to everybody. Money Market account requires it to be opened in branch and requires a $10,000 deposit so I don’t think that is worth considering (seems like you’d need to keep $10,000 deposited for four months as well) but the checking bonus is great as it has no real requirements apart from the $5,000 to keep the account fee free. They also offer a credit card of little interest.

I will be adding the checking bonus to our list of the best checking account sign up bonuses.

Big thanks to reader, Chris J who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications