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 $2.50 |
| Customer service (automated or live agent) | $0 per call |
| Inactivity (after 12 months with no transactions) | $5 |
| 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.
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
| All fees | Amount | Details |
|---|---|---|
| Card purchase | $5.95 | $5.95 issuance fee may be paid by Payer or Employer. Please log in to your account to view applicable fees. |
| Secondary Card | $10 | Fee for additional Card on same Account |
| All fees | Amount | Details |
|---|---|---|
| Monthly fee | $0 | Fee for monthly maintenance of the Account |
| All fees | Amount | Details |
|---|---|---|
| Direct deposit | $0 | Fee associated with direct deposit load at time of load |
| 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. |
| All fees | Amount | Details |
|---|---|---|
| Customer service (automated) | $0 | |
| Customer service (live agent) | $0 | |
| 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. |
| All fees | Amount | Details |
|---|---|---|
| International transaction | 3% | Of the U.S. dollar amount of each transaction. |
| International ATM withdrawal | $3.25 | 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. |
| All fees | Amount | Details |
|---|---|---|
| Inactivity | $5 | Fee charged each month after you have not completed a purchase or withdrawal with your card for 12 months. |
| Card replacement | $10 | Per Card. In the event your Card is lost, stolen or damaged, you may request a replacement Card. |
| Express delivery | $25 | You will be charged this fee if you request express delivery of a Card. |
| Paper check fee | $15 | If you request funds be unloaded and your Card closed, we will provide you with a check in the amount of the remaining balance, less any fees owed. |
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.