Comerica at a glance
Operating companies that value commercial-banking depth and relationship service.
Basic Business Checking
No monthly maintenance fee published monthly fee under the current review data.
4 current tiers
Compare the full fee, waiver, transaction and cash-deposit structure below.
Regional commercial bank
Operating companies that value commercial-banking depth and relationship service.
Current business checking lineup
Comerica currently has 4 business-checking tiers represented in our current review data. The table below is the fastest way to see whether the entry tier is sufficient or whether transaction, cash-deposit or relationship needs justify moving up.
| Account | Monthly fee | How the fee can be avoided | Operating allowance / notable feature |
|---|---|---|---|
| Basic Business Checking | No monthly maintenance fee | No waiver needed | 75 transactions; $2,500 monthly cash deposits at no charge |
| Small Business Checking | Legacy fee varies by market / disclosure | $7,500 balance threshold in published legacy schedules | 300 transactions; $5,000 monthly cash deposits at no charge |
| Small Business Interest Checking | Legacy fee varies by market / disclosure | $15,000 balance threshold in published legacy schedules | 300 transactions; $5,000 monthly cash deposits; interest bearing |
| Commercial Checking | Activity-priced | Earnings-credit structure may offset service charges | Designed for higher activity; commercial cash-management tools |
Where Comerica fits
For existing Comerica customers, the immediate decision is less about choosing among legacy Comerica tiers and more about understanding how those accounts map into Fifth Third after the transition. For historical comparison, Comerica's Basic Business Checking remains notable for having no monthly maintenance fee and no balance requirement.
Checking structure
Comerica still publishes a familiar small-business checking lineup, but this review has an unusual 2026 caveat: Comerica is actively transitioning customer accounts into Fifth Third. That makes migration timing and replacement-product terms just as important as Comerica's legacy fee schedule.
Transactions and cash deposits
Comerica Basic Business Checking includes 75 transactions per month without an activity fee and up to $2,500 of monthly cash deposits without a cash-deposited fee. Small Business Checking and Small Business Interest Checking increase the included transaction count to 300 and the cash allowance to $5,000. Commercial Checking is designed for heavier activity and uses activity pricing and earnings-credit economics.
Relationship economics
Legacy Comerica Basic Business Checking has no monthly maintenance fee. Small Business Checking has historically used a $7,500 balance threshold to waive its monthly fee, while Small Business Interest Checking uses a $15,000 threshold. Because Comerica accounts are moving to Fifth Third, businesses should confirm the post-conversion product, fee and transaction structure rather than relying only on legacy terms.
Who should compare Comerica closely
Existing Comerica business customers evaluating the Fifth Third transition, plus researchers comparing Comerica's legacy low-cost business checking structure with successor products.
What to verify before opening Comerica
| Decision point | Bank-specific check |
|---|---|
| Entry-tier economics | Confirm whether Basic Business Checking at No monthly maintenance fee fits your normal balances and activity, not just the promotional or opening period. |
| Transactions and cash | Model your real monthly volume against the published allowance: 75 transactions; $2,500 monthly cash deposits at no charge |
| Upgrade threshold | Compare the incremental cost and allowances of Commercial Checking before your activity forces an unplanned tier change. |
| Service model | Verify branch coverage, support access, user permissions, ACH/wire controls and merchant/treasury tools needed by your team. |
| Geographic/product availability | Confirm that the exact product and service set is available to your entity type and operating market. |
Primary sources
- Comerica small business checking comparison
- Comerica small business transition notice
- Comerica business account services and charges
Useful as a transition review rather than a normal new-account recommendation: Comerica's legacy economics are clear, but the decisive facts are now the Fifth Third conversion terms.
Existing Comerica business customers evaluating the Fifth Third transition, plus researchers comparing Comerica's legacy low-cost business checking structure with successor products.