Visa® and MasterCard®Cardholder Security

Visa® and MasterCard® provide multiple layers of protection to help cardholders shop anywhere, anytime, any place with greater comfort and confidence. These include:

Zero Liability

Commerce Bank offers consumers Zero Liability* protection for fraudulent transactions on Visa Debit Cards, Visa and MasterCard Credit Cards. If you discover fraudulent transactions, your liability is $0 so you pay nothing in the event of fraud. Call us immediately if your card is ever lost or stolen or if you discover fraudulent transactions. To report a lost or stolen card call:

Credit Cards: 800-645-2103

Visa Debit Cards: 800-617-7480

ID Theft Assistance

In recognizing the importance of taking the "hassle factor" out of being an identity theft victim, Visa has launched a special program in partnership with Call for Action ( to help victims recover in the event of identify theft. Victims can now receive free, confidential assistance from trained identify theft counselors by calling 866-434-6854.

visa security location

Three-Digit Security Code

Another layer of fraud prevention resides with the use of a three-digit code on back of credit and debit cards called Cardholder Verification Value or, CVV2. These three numbers help ensure that the physical card is in the cardholder's possession while shopping online or by phone, helping to prevent unauthorized or fraudulent use.

Continuous Monitoring for Fraud

Visa is continually monitoring its payment systems to detect unusual spending activity and issue real-time alerts to banks, who, in turn, then call their cardholders to confirm transactions.

Anti-Phishing Technology

Visa has also joined the Phish Report Network (, a database which allows financial institutions and other companies to report their legitimate and fraudulent web sites so that email providers and others can block the emails from consumers' in-boxes.

Anti-Fraud Consumer Education

Visa provides extensive consumer education on fraud topics such as phishing and identity theft at


  • Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.