Note: This offer does not contain target languages. Commerce Bank offers usually do. I’m not 100% sure Commerce Bank won’t implement the target language even though it’s not present so YMMV. It can also be a $500 bonus that you can do.
Offer at a glance
- Maximum bonus amount: 1000 dollars
- Availability: Missouri, Kansas, Illinois, Oklahoma and Colorado
- Direct deposit required: Yes, $10,000+ per month for two consecutive months until November 23, 2026
- Additional requirements: Use promo code
- Hard/soft pull: Gentle pull
- ChexSystems: yes, sensitive
- Credit card financing: ANY
- Monthly fees: $20, avoidable
- Early account closure fee: ANY
- Family boundary: A
- Expiration date: August 18, 2026
Offers
- Commerce Bank offers a $1,000 bonus when you open a new personal checking account and meet the following requirements:
- Use promo code 1000DMD626
- Make a direct deposit totaling $10,000 per month for 2+ consecutive months until November 23, 2026
Fine Press
- Limited time offer.
- To qualify, recipients must not have owned a Commerce Bank checking account or received a previous checking bonus from us in the last 12 months prior to opening the account. This offer cannot be combined with any other checkout offer or promotion.
- Only one offer per family.
- To be eligible: a) You must provide promo code 1000DMD626 at the time of account opening; b) Your new Commerce Free, Commerce Relationship or CommerceInterest checking account must be opened between June 12, 2026 and August 18, 2026; c) The account holder(s) must establish direct deposit and have a total of $10,000+ per month posted to the account for two (2) consecutive months through November 23, 2026. Direct deposits must be a recurring, electronic deposit of your salary, pension or government benefits (such as Social Security) from your employer or government. Person-to-person payments (such as Zelle®) are not considered direct deposits. Commerce Bank will determine if all bonus requirements have been met as of November 23, 2026.
- If you have met all of the above requirements and your account remains open, your bonus will be paid out on or before December 21, 2026, by crediting your new personal Commerce checking account.
- Maximum total bonus $1000.
- The bonus will be reported as interest to the IRS.
- Commerce Bank reserves the right to determine eligibility for the offer using Commerce Bank data. Offer may be revoked, limited or changed at any time at Commerce Bank’s sole discretion. Monthly service charge waived for first 60 days after new account opening for CommerceInterest and CommerceRelationship checking accounts.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
Monthly fees are waived for the first 60 days subject to terms. Free checking also has no monthly fees to worry about.
Early account termination fee
According to this comment no early termination fee is charged.
Our verdict
Of course there is some risk involved even without the target language, but I think for $1000 it’s worth going if you can meet the direct deposit requirements organically. Will add this to ours best bank account bonuses.
Hat tip to the reader TC
Useful posts about bank bonuses:
