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Home , Money market account, Savings account

Personal Market and Savings

Terms The following terms apply to all Savings Accounts, including Accounts: - The and annual percentage yield may change at our discretion at any time. - If you close your account before interest is credited, you will not receive the accrued interest. - Interest begins to accrue no later than the business day we receive credit for the of non- items (for example, checks). - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ending collected balance in the account each day. - Collected balance includes deposits of cash and checks drawn on us and non-cash items (for example, checks) for which we have received credit in accordance with the availability schedule of the , local clearinghouse or correspondent bank. Ledger balance includes all deposits of cash and non-cash items (for example, checks) on the business day we receive the deposit.

Transaction Limitations Pre-authorized or automatic transfers or withdrawals from the account, including telephone transfers and third party checks, are limited by law to six per statement cycle. Transfers between accounts of the depositor in person or by mail and withdrawals in person or at a Commerce Bank ATM are unlimited. • ATM transaction - dollar limitation: You may withdraw cash from Commerce’s automated teller machines (ATMs) to $1,000 per business day. Dollar limitations may differ at ATMs other than Commerce’s. • Pre-authorized electronic fund transfers. There are no limitations on the dollar amount of any pre-authorized electronic fund transfers. There are no charges for any transfers or for the right to make transfers. • Personal and myRewards Savings - Zero to three monthly withdrawals or transfers from the account are free. Four or more are $2 each. Additional Services

Additional Services Transaction Charge Additional Services Transaction Charge Activity Printout $3 each Garnishment/Levy $75 each ATM Transaction Charge Money Orders - Customer $5 each Commerce Bank ATM Network, - Non-Customer $7 each Withdrawal, Transfer, Balance Inquiry Free Notary - Customer or Absentee Ballots FREE Non-Commerce Bank ATM1 - Non-Customer $2 Withdrawal, Transfer, Balance Inquiry $2.95/per transaction Overdraft/Insufficient Funds2 $37 ATM Replacement Card Fee $5 Overdraft Transfer Fee3 $12 per occurrence Balance Checkbook/Account Research $30 per hour (min. $15) Pre-authorized Account Transfer FREE Held at Bank for Stop Payment Order $36 per item Customer Pick-up $5 per month Stop Payment via $30 per item Cashiers Check - Customer $8 each Telephone Transfers - Non-Customer $10 each Customer Service Line $4 each Check Cashing - Customer FREE 1-800-292-1601 - Non-Customer $8 each 24-Hour Account Information Line FREE Check Copy $2 each 1-800-292-7977 Check Order Depends on Style/Quantity Visa® Collection Item1 $20 each Instant Issue Replacement Fee $5 Counter Checks 4 for $2 Visa® Gift Card $4.99 each Deposited Item Returned $13/item - Incoming $13 each Dormant Account - Outgoing $40 each Checking/Money Market - Intl Wire Fee (Foreign Curr) $35 each - 12 Months No Activity $8/month - Intl Wire Fee (US Dollars) $60 each Savings - 18 Months No Activity $5/month

1.800.453.2265 commercebank.com

1 Other bank’s charge may apply. 2 Overdraft/Insufficient Funds of $1 or more, created by check, ATM withdrawal or other electronic means. Fee assessed whether item is paid (Overdraft) or returned (Insufficient Funds). 3 An occurrence is described as an instance where funds are transferred from your linked to cover one or more overdrafts in your checking account. An occurrence can happen only one time per day. MK1946 10/19 Personal Money Market and myRewards Savings Minimum Deposit to Open $0 Normal Monthly Service Charge $3/monthly cycle1 (fee waived for minors) Minimum Balance to Avoid $300 daily balance OR $25 monthly electronic Normal Service Charges deposit2 Interest Earned • Interest is compounded on a daily basis and is credited to your account on the last business day of every month.

Account Statement Monthly or Quarterly (depending on activity) Paperless Free Paper Statement $2/per statement

Other Features • If you make savings deposits for 11 months in a row, Commerce will reward you by making the twelfth month’s deposit up to $50 per account or $100 per household for all eligible accounts3. The bonus reward is calculated as an average of your deposits made to each myRewards Savings account during the previous 11 consecutive months.

Account myRewards Money Market Premium Money Market Minimum Deposit to Open $0 $1,000 Normal Monthly Service Charge $6/monthly cycle $10/monthly cycle Minimum Balance to Avoid $500 daily balance OR $1,000 average daily balance $5,000 average daily balance4 Normal Service Charges for monthly cycle OR $25 monthly electronic deposit 4,6

Interest Earned • Interest is compounded on a monthly • Interest is compounded on a monthly cycle basis cycle basis and is credited to your and is credited to your account at the end of the account at the end of the monthly monthly statement cycle. The interest rate is statement cycle. based on four tier levels. • When your collected balance is greater than $1,000, you may earn a higher interest rate than on balances below $1,000.

Account Statement Monthly Cycle Monthly Cycle Paperless Free Free Paperless with Images $1/month Free Paper Statement $3/month Free Paper Statement with Images $4/month Free

Other Features • .5% bonus paid on the average collected month end balance for the previous 12 months up to a maximum reward of $200 each year5.

Definitions 1 Monthly service charge waived for first 60 days after new account opening. Fee waived for minors. 2 Daily balance means ending ledger balance in the account each day. You must maintain the $300 minimum daily balance every day of a month or have at least electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings account. 3 To qualify for the matching deposit Reward, you must make 11 consecutive monthly deposits and 4 or fewer withdrawals per year, per myRewards Savings account. Total matching Reward determined by adding the average monthly deposit during the previous 11 months for each myRewards Savings account, per household, per year, on up to 5 myReward Savings accounts. Maximum matching Reward $50 per account, maximum total matching Reward $100 per year. Reward credited in 12th month after the first deposit and annually thereafter. Incentive of $10 or greater reported as interest to the IRS. 4 Average daily balance is calculated by adding the ending ledger balance in the account for each day of the monthly cycle and dividing that figure by the number of days in the monthly cycle. You must maintain the minimum average daily balance for the monthly cycle. 5 We will pay an annual reward of .5% of the average collected month end balance in your myRewards for the previous 12 months, up to a maximum of $200. Reward credited the 13th month after account opening and annually thereafter. Offer subject to change or cancellation. Offer Incentive of $10 or greater reported as interest to the IRS. 6 Daily balance means ending ledger balance in the account each day. You must maintain the $500 minimum daily balance every day of a month or a $1,000 average daily balance for the monthly cycle or have at least one electronic deposit of $25 or more during the month to earn interest and to avoid a service charge that month. Electronic deposits include ATM deposits, wire transfers, ACH, Online Banking transfers or automatic transfers set up from another DDA or savings.

1.800.453.2265 commercebank.com