Online Banking Guarantee

Commerce Bank is committed to safeguarding your account. We employ several security measures to ensure that both Online Banking and Mobile Banking offer industry-standard protection for your personal account.

Learn more about our security practices.

Online Guarantee

As an Online Banking customer, you may be assured that you will not be held liable in the unlikely event of funds being improperly removed from your personal bank accounts due to Online Banking, Mobile Banking and Online Bill Pay, either through online theft of your account numbers or password or by unauthorized removal of funds from your accounts through Online Banking, Mobile Banking or Online Bill Pay.

Limitations apply. For complete details on your responsibilities and potential for losses, please refer to the Online Banking Terms and Conditions.

Personal Responsibility

You are responsible for keeping your username, password, account numbers, personal information and account data confidential, and for informing us (in accordance with the Online Banking Terms and Conditions for the reporting of such activity) as soon as possible if you believe there has been an unauthorized transaction in your account or if you believe the security of your password has been compromised. To report any such activity, you must call us at 800-986-2265.

If you suspect that your password or other means to access your account has been lost or stolen, just notify us (in accordance with the Online Banking Terms and Conditions for the reporting of such activity) within 2 business days of when you discover that your password or other means has been lost or stolen and your liability will be no more than $50.

You are also responsible for promptly reviewing your bank statement. We will reimburse you for unauthorized transactions in your account if you notify us (in accordance with the Online Banking Terms and Conditions for the reporting of such activity) within 60 days after your statement was mailed or, for those receiving electronic statements, within 60 days after you were notified by email that your statement was available online.

For complete details on your responsibilities and potential for losses, consult our Online Banking Terms and Conditions.

Additional Online Bill Pay Guarantee

You are protected in the unlikely event of a processing delay. We will bear the responsibility for any late-payment-related charges (up to $50) should a payment post after its due date as long as you scheduled the transaction in accordance with our Online Banking Terms and Conditions.

Commerce Bank is not responsible for customer errors or negligent use of our Online Banking services.

For complete information, please read our ONLINE BANKING TERMS AND CONDITIONS



Disclosures:

  • 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.