Commerce Bank

Headquarters: Laredo, Texas
Charter: Bank
Assets: $762.5M
Fed district: Dallas

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Personal Rite Checking $7.95 · Personal Regular Checking $9.95
Compared at $8.95, the middle of its prices
Commerce Bank: $7.95 to $9.95
Commerce Bank: $7.95 to $9.95
U.S. median: no median
Overdraft (OD)
Commerce Bank: $35
Commerce Bank: $35
U.S. median: no median
NSF / Returned Item
Commerce Bank: $35
Commerce Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Commerce Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$7.95
per month
Monthly Maintenance$9.95
per month
Account closed within 90 days of opening$10
one time
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)$35
per item
Overdraft transfer protection (audience not stated, treated as personal)$12
per item

ATM & Card

Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.) — Transfer$2
per transaction
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item
Outgoing Wire Transfer outside USA Consumer Customer$60
per item

Check Services

Cashier's Checks — Non-customers$25
per item
Cashier's Checks: Customers (audience not stated, treated as personal)$10
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item
Collection of items$20
per item

Digital & Electronic

BILL PAY: Overnight Check (audience not stated, treated as personal)$14.95
Not compared: Per-item charge, not monthly
per item
Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per transaction
Misc Delivery Fee Domestic/Mexico Address$25
per item
Misc Delivery Fee Foreign Address$40
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$7.95	per month	None
Monthly Maintenance	$9.95	per month	None
Account closed within 90 days of opening	$10	one time	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)	$35	per item	None
Overdraft transfer protection (audience not stated, treated as personal)	$12	per item	None
ATM & Card
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.) — Transfer	$2	per transaction	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Outgoing Wire Transfer outside USA Consumer Customer	$60	per item	None
Check Services
Cashier's Checks — Non-customers	$25	per item	None
Cashier's Checks: Customers (audience not stated, treated as personal)	$10	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Collection of items	$20	per item	None
Digital & Electronic
BILL PAY: Overnight Check (audience not stated, treated as personal)	$14.95Not compared: Per-item charge, not monthly	per item	None
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per transaction	None
Misc Delivery Fee Domestic/Mexico Address	$25	per item	None
Misc Delivery Fee Foreign Address	$40	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Account closed within 90 days of opening$10
one time
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)$35
per item

ATM & Card

Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.) — Transfer$2
per transaction
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item

Check Services

Cashier's Checks — Non-customers$25
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item
Collection of items$20
per item

Digital & Electronic

Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Cash & Deposit

Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)$12
per item

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per transaction
Misc Delivery Fee Domestic/Mexico Address$25
per item
Misc Delivery Fee Foreign Address$40
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$10	one time	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)	$35	per item	None
ATM & Card
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.) — Transfer	$2	per transaction	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Check Services
Cashier's Checks — Non-customers	$25	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Collection of items	$20	per item	None
Digital & Electronic
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)	$12	per item	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per transaction	None
Misc Delivery Fee Domestic/Mexico Address	$25	per item	None
Misc Delivery Fee Foreign Address	$40	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Commerce Bank's ach origination changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Personal Rite Checking $7.95 · Personal Regular Checking $9.95
Compared at $8.95, the middle of its prices
Commerce Bank: $7.95 to $9.95
Commerce Bank: $7.95 to $9.95
U.S. median: no median
Overdraft (OD)
Commerce Bank: $35
Commerce Bank: $35
U.S. median: no median
NSF / Returned Item
Commerce Bank: $35
Commerce Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Commerce Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$7.95
per month
Monthly Maintenance$9.95
per month
Account closed within 90 days of opening$10
one time
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)$35
per item
Overdraft transfer protection (audience not stated, treated as personal)$12
per item

ATM & Card

Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.) — Transfer$2
per transaction
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item
Outgoing Wire Transfer outside USA Consumer Customer$60
per item

Check Services

Cashier's Checks — Non-customers$25
per item
Cashier's Checks: Customers (audience not stated, treated as personal)$10
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item
Collection of items$20
per item

Digital & Electronic

BILL PAY: Overnight Check (audience not stated, treated as personal)$14.95
Not compared: Per-item charge, not monthly
per item
Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per transaction
Misc Delivery Fee Domestic/Mexico Address$25
per item
Misc Delivery Fee Foreign Address$40
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$7.95	per month	None
Monthly Maintenance	$9.95	per month	None
Account closed within 90 days of opening	$10	one time	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)	$35	per item	None
Overdraft transfer protection (audience not stated, treated as personal)	$12	per item	None
ATM & Card
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.) — Transfer	$2	per transaction	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Outgoing Wire Transfer outside USA Consumer Customer	$60	per item	None
Check Services
Cashier's Checks — Non-customers	$25	per item	None
Cashier's Checks: Customers (audience not stated, treated as personal)	$10	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Collection of items	$20	per item	None
Digital & Electronic
BILL PAY: Overnight Check (audience not stated, treated as personal)	$14.95Not compared: Per-item charge, not monthly	per item	None
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per transaction	None
Misc Delivery Fee Domestic/Mexico Address	$25	per item	None
Misc Delivery Fee Foreign Address	$40	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Account closed within 90 days of opening$10
one time
Inactivity fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account research...................................................................$25.00 per hour
Return Mail Processing fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee (checks and other debits paid)$35
per item
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)$35
per item

ATM & Card

Non-IBC ATM locations (in the U.S.): Withdrawal$2
Non-IBC ATM locations (outside the U.S.) — Transfer$2
per transaction
Non-IBC ATM locations (outside the U.S.): Withdrawal$2.50
Debit/ATM Card Replacement Fee$15
per item

Wire Transfers

Outgoing Wire Transfer within USA by IBC Representative$35
per item
Incoming Wire Transfer$12.50
per item

Check Services

Cashier's Checks — Non-customers$25
per item
Stop payment (all items)$35
per item
Temporary checks$0.50
per item
Collection of items$20
per item

Digital & Electronic

Same-Day Bill Payment$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Cash & Deposit

Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)$12
per item

Account Services

Litigation Levies and Freezes$100
per item

Other Fees

Int'l Courier Proc. Fee$25
per transaction
Misc Delivery Fee Domestic/Mexico Address$25
per item
Misc Delivery Fee Foreign Address$40
per item
Photocopies$2
per item
Reproduction of statement/item$5
per item
Reproduction of TT&Ls or Cashier's checks$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account closed within 90 days of opening	$10	one time	None
Inactivity fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account research...................................................................$25.00 per hour
Return Mail Processing fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee (checks and other debits paid)	$35	per item	None
Non-sufficient funds (NSF) / Return Item fee (checks and other debits returned)	$35	per item	None
ATM & Card
Non-IBC ATM locations (in the U.S.): Withdrawal	$2	Not stated	None
Non-IBC ATM locations (outside the U.S.) — Transfer	$2	per transaction	None
Non-IBC ATM locations (outside the U.S.): Withdrawal	$2.50	Not stated	None
Debit/ATM Card Replacement Fee	$15	per item	None
Wire Transfers
Outgoing Wire Transfer within USA by IBC Representative	$35	per item	None
Incoming Wire Transfer	$12.50	per item	None
Check Services
Cashier's Checks — Non-customers	$25	per item	None
Stop payment (all items)	$35	per item	None
Temporary checks	$0.50	per item	None
Collection of items	$20	per item	None
Digital & Electronic
Same-Day Bill Payment	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Charge Back fee for Commercial Accounts Only (Deposited checks and other items returned unpaid)	$12	per item	None
Account Services
Litigation Levies and Freezes	$100	per item	None
Other Fees
Int'l Courier Proc. Fee	$25	per transaction	None
Misc Delivery Fee Domestic/Mexico Address	$25	per item	None
Misc Delivery Fee Foreign Address	$40	per item	None
Photocopies	$2	per item	None
Reproduction of statement/item	$5	per item	None
Reproduction of TT&Ls or Cashier's checks	$5	per item	None

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.