Commerce DirectCheck

Fee Information

Summary of fees for Commerce DirectCheck Card

USE OF THE DIRECTCHECK CARD FOR PAYROLL IS OPTIONAL
ASK YOUR EMPLOYER ABOUT YOUR PAYROLL OPTIONS

  • Monthly fee

    $0
  • Per purchase

    $0
  • ATM withdrawal

    $0 in-network1
    $3.25 out-of-network2
  • Cash reload

    N/A
Type of fee Amount
ATM balance inquiry (in-network1 or out-of-network2) $0 or $1.50
Customer service (automated or live agent3) $0 or $2 per call
Inactivity (after 12 months with no transactions) $5
We charge 8 other types of fees. Here are some of them:
Type of fee Amount
Lost Stolen Replacement $10
Teller cash withdrawal (U.S. or non-U.S. institution) $5

1 “In-network” refers to the Commerce Bank & Allpoint ATM Network.
2 This is our fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank & Allpoint ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
3 One call per month at no charge; $2.00 per call thereafter.

No overdraft/credit feature.
Your funds are eligible for FDIC insurance.
See fdic.gov/deposit/deposits/prepaid.html for details.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

Find details and conditions for all fees and services inside the package, or call 1-866-620-1367 or visit checkmypaycard.com

Detailed list of fees for Commerce DirectCheck Card

Get started
All fees Amount Details
Card purchase $0 No issuance fee to cardholder, $5.95 issuance fee paid by Payer
Secondary Card $10 Fee for additional Card on same Account
Monthly usage
All fees Amount Details
Monthly fee $0 Fee for monthly maintenance of the Account
Add money
All fees Amount Details
Direct deposit $0 Fee associated with direct deposit load at time of load
Get cash1
All fees Amount Details
ATM withdrawal (in-network) $0 “In-network” refers to the Commerce Bank & Allpoint ATM Networks. Locations can be found at commercebank.com/locations & allpointnetwork.com
ATM withdrawal (out-of-network) $3.25 This is our fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank & Allpoint ATM Networks. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Teller cash withdrawal $5 Fee for teller cash transaction from a U.S. institution. One withdrawal at no charge per week.
Information
All fees Amount Details
Customer service (automated) $0
Customer service (live agent) $2 Per call. Fee for calling our live customer service representative. First call per month at no charge; $2 per call thereafter.
ATM balance inquiry (in-network) $0 “In-network” refers to Commerce Bank & Allpoint ATM Networks. Locations can be found at commercebank.com & allpointnetwork.com
ATM balance inquiry (out-of-network) $2.50 This is our fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank & Allpoint ATM Network. You may also be charged a fee by the ATM operator.
Using your Card outside the U.S.
All fees Amount Details
International transaction 3% Of the U.S. dollar amount of each transaction.
International ATM withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry $1.50 This is our fee. You may also be charged a fee by the ATM operator.
International teller cash withdrawal $5 Fee for teller cash transaction from a non-U.S. institution.
Other
All fees Amount Details
Inactivity $5 Per month. Fee for not completing a purchase or ATM withdrawal transaction after 12 months.
Card replacement $10 Per Card. Fee for replacement of a Card that has been lost, stolen or damaged.
Express delivery $25 Fee for the express shipping of a Card.
Unload and close $15 Fee for paper check refund.

Your funds are eligible for FDIC insurance. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Commerce Bank by calling 1-866-620-1367, by writing to Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036 or by visiting checkmypaycard.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.