-
Financial Rates:
1.0
-
Customer Service:
5.0
-
Website Experience:
4.5
-
Bank Fees:
3.5
Pros:
- Rewards for saving in money market
- Free ATM transactions and refunds
- Good variety of accounts offered
- mySpending card
Cons:
- Only three withdrawals per month
- Account interest rates are low
- Monthly fees and other fees on accounts
- Customer service not open 24/7
-
Financial Rates:
1.0
-
Customer Service:
4.5
-
Website Experience:
4.0
-
Bank Fees:
3.5
Pros:
- Wide variety of accounts available
- Low opening amounts for most accounts
- Waived ATM fees for some accounts
- HSA earns good rates
Cons:
- Tiered interest rates on account
- Cannot open accounts online
- MMAs have high opening amounts
- Accounts interest rates are low
Get rewarded for saving money with Commerce Bank. When you open a myRewards money market account, you will earn a bonus at the end of each year. Commerce pays 0.05 percent of the average collected month-end balance after every 12 months. The maximum reward each year is $200.
Checking accounts offer free transactions at Commerce Bank ATMs. The CommerceRelationship checking account offers free transactions at ATMs across the nation. This account also offers up to $10 each month in ATM fee refunds. To have the fees refunded, the transactions must come from the CommerceRelationship account.
Commerce Bank offers a variety of accounts. These accounts include:
- Five checking accounts
- Student savings and checking account
- myRewards savings account
- myRewards money market account
- Premier money market account
- CDs terms from three-months to five-years
- Personal loans, credit cards, and investment options
- Business checking and savings accounts
- Business loans, bonds, investments, and credit cards
Commerce offers a mySpending card, which is a reloadable Visa debit card. Load the amount you want onto the card. The card is accepted anywhere Visa is. There is not a monthly fee. It costs $5.95 to buy the card for the first time. You must load it with at least $20 the first time. There is a loading limit of $3,000 per week.
Savings accounts only allow for three withdrawals per billing cycle. Any more than three will cost you $2.00 per withdrawal. Federal regulations allow six withdrawals from a savings account per billing cycle.
The interest rates for Commerce Bank accounts are low. They are not competitive with other online-only banks. Their rates are typical of brick-and-mortar banks.
Accounts with Commerce Bank have a plethora of fees. They have monthly service charges ranging from $3-20, depending on the account. Some accounts have fees for paper statements, e-statements, and foreign ATM fees. The student checking account has a $2 fee for every check written and for each teller-assisted withdrawal. Know the fees and how to waive them before you open accounts.
Customer service is not open 24/7. Customer service hours are Monday-Friday from 8 a.m. to 8 p.m. Saturday from 8 a.m. to 4 p.m. These times are Central Time. There is a 24-hour account information line.
Fidelity Bank offers a good selection of personal accounts. Those include:
- Free checking
- Relationship checking
- Legacy checking
- Statement savings
- Looney Tunes Children's savings
- High Interest savings
- Health Savings Account
- Personal money market account
- Superior money market
- CDs from 12 to 60-months
The opening required amounts for Fidelity Bank accounts are low. The checking accounts and children's savings account require $25 to open. The statement savings account requires $100 to open. The CD terms require $500 to open.
ATM transactions made at Fidelity Bank ATMs are free of fees. Transactions made at other ATMs may have a fee. The Relationship and Legacy checking accounts waive the fees of foreign ATM transactions. You must meet the requirements to open these accounts.
The Health Savings Account offers good rates. It offers the highest interest rate out of the Fidelity Bank savings accounts. To earn the highest interest rate for the HSA, you must have $15,000 in the account.
The Superior MMA has tiered interest rates. To earn the highest rate, you must have at least $250,000 in the account. Balances below that amount earn interest, just not the highest rate. Even the highest interest rate is not competitive with other online accounts.
To open an account with Fidelity Bank, you must visit a branch location. They do not offer online account applications. They have branch locations in Kansas.
The money market accounts have high opening required amounts. The Personal MMA requires $2,500 to open. The High Interest savings account also requires $2,500 to open. The Superior MMA requires $10,000 to open.
The interest rates for Fidelity Bank accounts are low. They are not competitive with other online-only accounts. Some accounts offer rates slightly higher than typical banks. Most account rates are competitive with typical bank rates.
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From Our Partners
| Savings (Rate as of 12/21/2024) | |
| APY | 3.80% |
|---|---|
| Rate | 3.73% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.65% |
| Min to Open | $500 |
| Min to Earn APY | $500 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 3.80% |
|---|---|
| Rate | 3.80% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: It only takes about 5 minutes to open a fee-free account. |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.40% |
|---|---|
| Rate | 4.30% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: No monthly maintenance fee, $0 to open, easily grow your money |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.46% |
|---|---|
| Rate | 4.46% |
| Min to Open | $500 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.35% |
|---|---|
| Rate | 4.35% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: $200 Bonus w/ Tiered Savings Account and Qualifying Activities |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.35% |
|---|---|
| Rate | 4.35% |
| Min to Open | $100 |
| Min to Earn APY | $5,000 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. Promoted offer: CIT Bank, a division of First Citizens, 125+ years of experience. |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.30% |
|---|---|
| Rate | 4.21% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| MMA (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.02% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | Yes |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.10% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.64% |
| Min to Open | $1,000 |
| Min to Earn APY | $1,000 |
| Monthly Fee | $5.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
| Savings (Rate as of 12/21/2024) | |
| APY | 4.75% |
|---|---|
| Rate | 4.75% |
| Min to Open | $10 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| FDIC insured at program banks†. Promoted offer: var. APY a/o 11/8/24. New customers only. Betterment LLC, not a bank |
|
| Savings (Rate as of 12/21/2024) | |
| APY | 4.10% |
|---|---|
| Rate | 4.02% |
| Min to Open | $0 |
| Min to Earn APY | $0 |
| Monthly Fee | $0.00 |
| Min to Avoid Fee | $0 |
| Checkbook | No |
| Member FDIC. | |
The rate information is obtained by Bankrate from the listed institutions. Bankrate cannot guarantee the accuracy or availability of any rates shown. Institutions may have different rates on their own websites than those posted on Bankrate.com. The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where, and in what order products appear. This table does not include all companies or all available products.
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1 APY stands for Annual Percent Yield. It's different from Rate because it takes into account compounding interest for the year.
2 MMA stands for Money Market Account. It's a savings and checking hybrid, allowing you to earn interest and use checks 6 times a month.