Comerica Bank Access Checking Account

A basic checking account, with so many ways to avoid the monthly fee.

securely on the bank's website

Comerica's Access Checking Account is for those looking for a checking account offer that comes with basic features, such as online banking, debit or ATM card, and online bill pay. With several ways to have the $13 monthly fee waived, this checking account is a decent way to manage your money. That said, there might be hidden fees behind some of the perks offered, so make sure you're familiar with the fine print. For example, Comerica Web Banking is free, but some fees may be applied when using the Comerica External Transfer service. Web Bill Pay also comes with a fee if you don't make a direct deposit, although you can use it for free for the first 12 months whatsoever.

Checking account details

Checking account fees

  • Monthly Fee
    $13 (can be waived / reduced)
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
  • Overdraft Fee
    $26 - $38
  • Non-Sufficient Funds Fee
    $26 - $38
  • Foreign Transaction Fee

Comerica Bank Access Checking Account FAQ

1. What information do I need to provide to open Comerica Access Checking Account?

At the time of application for the Comerica Bank Access Checking, you'll need to provide:

  • Your driver's License, state ID or passport that shows you are a U.S. resident aged 18+,
  • Your Social Security Number,
  • Your mobile phone number and email address,
  • Your current bank account and routing number if you want to fund your new account immediately.
2. What happens if I don't have the required documents?

In-person application for Access Checking is required if:

  • You have a military ID,
  • You have a foreign ID,
  • You are a U.S. territory resident,
  • You are less than 18 years old,
  • You have a Tax Identification Number or are a business.
3. What is a ledger balance?

A ledger balance refers to posted transactions, such as deposits, credits, withdrawals, and other debits, that you have in your account. 

4. Do I need to make the $50 minimum deposit to open Access Checking?

If you apply for the Access Checking account online, you don't need to make the initial deposit.

5. Why are Comerica overdraft fees and NSF fees variable?

The overdraft fees and NSF fees are set by Comerica based on the number of times you overdraw your account or are unable to cover an amount written on a check. The more frequently it happens, the more you'll pay. This is, relatively speaking, a good thing, as it should serve to keep you more vigilant, and responsible with your money. 

Whether it be overdraft fees or NSF fees, Comerica Bank will charge you $26 the first time, $34 the second, third, and fourth time, and $38 for the fifth or any following occurrence.

6. How do I turn off paper statements?

You need to access your account through Comerica Web Banking®, so that you could submit a request to have your paper statements turned off. This way, as long as you keep your account enrolled in paper statement suppression, you'll have your monthly fee waived by $2.

7. How do I benefit from free Comerica Web Bill Pay?

If you make a direct deposit, you won't be charged any fees to use Comerica Web Bill Pay. If you don't make a direct deposit, you'll be able to use Comerica Web Bill Pay for the first 12 months, after which you'll be charged a $6.95 monthly fee.

8. What is Comerica Web Banking®​?

Comerica Web Banking®​ allows you to access and manage your account anywhere, at any time. With Comerica Web Banking®​, you'll be able to, among others:

  • view recent transactions, transfers, bill pay, and other activities,
  • view, download, and print electronic monthly statements, available for up to 24 months,
  • view your Comerica Debit card transactions, and account history going up to 6 months behind,
  • set up one-time or recurring or future-dated transfers between your Comerica checking and savings accounts OR between your Comerica and your accounts at other U.S. financial institutions,
  • manage all things checks (view, print, request stop payments),
  • pay bills,
  • use tools, such as Zelle or Quicken®.


9. What is Quicken® Banking with Comerica?

Quicken® is a financial management software allowing you to download your Comerica account history, and access your account as you please.

With Quicken®, you'll be able to view your balance, review activity, transfer funds, pay bills, and set up automatic bill payment, create budget, track spending, and more.

10. Is Quicken® Banking with Comerica free?

No, Quicken® Banking with Comerica is provided for a monthly fee of $3.95 or $9.95 if you want to use Quicken® Banking with Comerica with Bill Pay.

Check Out Other Products From Comerica Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
Comerica Bank Access Checking Account $13 (can be waived / reduced) $50 0.00%
Comerica Bank Rich Rewards® Checking Account $18 (can be waived / reduced) $50 0.01%
Comerica Bank Premier Checking Account $22 $50 0.01%
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