Commerce Checking bonus: is $800 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $3,000 for 90 days, the tier that adds the most.
Yearly rate on $3,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$469$3,000$500 bonus · 90 days
- +$769$3,000Best for you$800 bonus · 90 days
The math
Compared with leaving $3k at 4.15%
Get 2 direct deposits of $3,000+ · Deposit $3,000 in new money. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Get 2 direct deposits of $3,000+
- 2Deposit $3,000 in new money
- Ends
- No end date listed
- Where
- Colorado
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Commerce Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $3,000 tier adds +$769: the $800 bonus, minus the $31 that cash would have earned in 90 days. The $3,000 tier adds +$469. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get 2 direct deposits of $3,000+; deposit $3,000 in new money. Open to residents of Colorado.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.