Yes, avoid Commerce.
They really, really liked to misplace deposits when I was a student (this is pre-online banking). So I would deposit a check on a Monday morning, expecting it to be credited by the close of business Tuesday at the latest, per their own policy.
First time I ever got an overdraft was for purchasing books on a Thursday after making a Monday deposit. Also went out to eat and stopped by Wal-Mart. Sure enough, 3 overdraft fees on Friday because the charges were processed before the deposit, that magically reappeared that Friday.
Went in, spoke with a CR person who claimed it was an honest mistake and I gave them the benefit of the doubt after they reversed the fees etc.
Less than a month later had to go through the same process after it took 3 days for another check to clear. They reversed the charges again and I closed the account. Went to #money4life and have never had a problem since.