Checking Frequently Asked Questions

Online Banking and Online Bill Pay

How can I check my balance and transactions online?

Stay close to your money with Online Banking. Learn more

What does Online Banking and Online Bill Pay cost?

Online Banking	FREE
Online Bill Pay	FREE with a CommerceOptions^SM Plus or Premium*, myRewards Checking, Commerce Student Checking and Senior*Partners Checking. Other accounts: $6.95 per month for up to 20 bill payments. $0.60 for each additional Bill Payment.
Online Banking through Quicken^® or Microsoft Money^®	FREE with CommerceOptions^SM Plus and Premium Accounts. Other accounts: $3.00 per month for up to 8 sessions; $0.35 for each additional session.
Online Banking through Quicken or Microsoft Money PLUS Online Bill Pay	FREE with CommerceOptions^SM Plus and Premium Accounts. Other accounts: $9.95 per month for up to 20 payments; $0.35 for each additional payment.

How do I activate Online Banking and Online Bill Pay?

If you haven't activated Online Banking, view our Online Banking Demo to see just how easy it is to use! Once you’re ready to activate, it just takes a few minutes!

You will need:

Your checking or savings account number
Your Social Security Number
Your mother’s maiden name
The amount and date of your last deposit

Check Cards

How can I get a Visa^® Check Card?

To add a Visa check card to your Commerce Bank checking account, call 800-453-2265 or stop by your local Commerce Bank branch

We offer different levels of Visa Check Cards to meet your specific needs (fees may apply):

The Classic Card has full ATM functionality with unlimited free Commerce ATM transactions, and can be used for purchases at merchants that accept Visa debit
The Gold Card offers free unlimited Commerce ATM transactions plus 3 free transactions at other banks’ ATMs each month, and can be used for purchases at merchants that accept Visa debit
The Platinum Card offers free unlimited Commerce ATM transactions plus 6 free transactions at other banks’ ATMs each month, and can be used for purchases at merchants that accept Visa debit

Is there a fee for my Visa Check Card?

There is no fee for the Visa Classic Check Card with any checking account. Visa Gold Check Card, which includes 3 free ATM transactions at other banks’ ATMs each month, is free with myRewards Checking, CommerceOptions^SM, and Commerce Student Checking accounts (other bank’s ATM fees may apply.) Visa Platinum Check Card is free with a CommerceOptions^SM Premium account, and includes free ATMs anywhere in the U.S. (plus, we'll refund other banks' ATM fees up to $30.00 per calendar month.)

Who do I call if I haven’t received my Visa Check Card?

Contact a Commerce Bank customer service representative at 800-617-7480
Monday – Friday 7:30 a.m. – 10:00 p.m. and Saturday 7:30 a.m. – 4:00 p.m.
(Central Time)

Who should I call if my Personal Identification Number (PIN) isn’t working?

Contact a Commerce Bank customer service representative at 800-617-7480
Monday – Friday 7:30 a.m. – 10:00 p.m. and Saturday 7:30 a.m. – 4:00 p.m.
(Central Time)

How do I activate my Check Card?

Call us at 800-858-1200
Activate your Check Card Online

What should I do if my card is lost or stolen or if I notice unauthorized transactions?

Call our Customer Support as soon as possible:

Check Cards call 800-645-2103 - 24 hours a day/7 days a week
International: 402-691-7800 - 24 hours a day/7 days a week
ATM cards call 800-453-2265 – Monday – Friday 7:30 a.m. – 10:00 p.m. and Saturday 7:30 a.m. – 4:00 p.m. (Central Time)

Where is the closest ATM?

Use our Branch & ATM Locator to find an ATM close to you.

Where can I use my Visa Check Card?

In addition to any ATM bearing the Visa logo, you can use your Visa Check Card at any merchant that accepts Visa debit – millions of locations worldwide.

Moving

I’ve moved, how do I change my address?: Just stop by the branch with proof of your new address, such as a utility bill with your name on it or a signed and dated lease. Or, log into Online Banking and choose "Self Service" from the left menu. Then click on "Change Mailing Address" under "Personal Information."
Where is the closest branch or ATM?: Use our Branch & ATM Locator to find an ATM close to you.

Checks

How do I reorder more checks?

If you’ve ordered checks from us before, we offer you the ability to reorder online. If you prefer to order offline or need to make changes, please contact any Commerce Bank branch location or Customer Service.

How much will my checks cost?

The cost varies, depending on the check type, style and quantity. Reorder your checks today.

How do I get a copy of my check?

You may request a copy by phone or in person at the branch. A fee may apply. You may also print images of your check through Online Account Access at no cost.

What is the monthly maintenance fee on my checking account?

Depending on your Checking Account, your account maintenance fee is as follows:

myRewards Checking – No monthly maintenance fees.
CommerceOptions^SM Plus – Minimum balance to avoid a fee is deposit balance > $5,000 or deposit balance plus loan balance > $10,000; Monthly fee if balance is not met: $12.
CommerceOptions^SM Premium – Minimum balance to avoid a fee is deposit balance plus loan balance > $25,000 or Commerce mortgage in any amount or Commerce Brokerage assets > $100,000; Monthly fee if balance is not met: $20.
Commerce Student Checking – No monthly maintenance fees.
SeniorPartners Checking –
- Silver Key Membership: Minimum account balance to avoid a fee: $1,000
- Gold Key Membership: Minimum account balance to avoid a fee: $5,000
Interest Checking – Monthly fee varies by market; please call 800-453-2265 or send a secure e-mail from inside Online Banking to learn about the fee that applies in your account.

Account Pricing and Rates

What are the current Certificate of Deposit rates?: View rates online or give us a call at 800-453-2265. Or, feel free to stop by your nearest Commerce branch location – your Commerce Banker will be happy to help.
What does a safe deposit box cost?: Boxes are priced by size. Stop by or call the branch where you’d like to have your safe deposit box - your Commerce Banker will be happy to speak with you about the price.

Account Maintenance and Information

Where is the nearest Commerce Bank located?

Use our Branch & ATM Locator to find a branch close to you. Access your accounts online anytime with Online Banking.

What are your hours?

Hours vary by banking centers. Please use our Branch & ATM Locator to find the hours of the branch closest to you.

How do I stop payment on a personal check?

Call us at 800-453-2265 or stop by your nearest Commerce branch location.

How can I transfer funds from one account to another?

You can set up a one-time or recurring automatic transfer – just give us a call at
800-453-2265. Or, transfer funds easily through Online Banking.

How do I set up a recurring transfer?

In Online Banking, simply click on the “Transfer Funds” tab and select the amount, date and frequency of your recurring transfer.

How do I change my name on my account?

Stop by your nearest branch with a valid ID card and your Marriage Certificate or License. In the case of a name change resulting from divorce, bring your Decree of Dissolution of Marriage. In the event of other occurrences such as adoption, bring any official document that specifies the new name, such as a Court Order.

How do I close my account?

Stop by any Commerce branch location – we’d love to talk with you about alternatives available to meet your financial needs.

How can I reach a Commerce Bank representative?

Call us at 800-453-2265
Find a Branch or ATM near you

How can I open a Commerce Bank account?

If you’re already a Commerce customer, you can login to Online Banking and open an account, call us at 800-453-2265 or stop by your nearest Commerce branch location. If you’re new to Commerce, just stop by any Commerce branch. Read about what you’ll need to bring with you.

What information do I need to bring to Commerce Bank in order to open an account?

You’ll need to bring two forms of identification (including a government –issued photo ID such as a driver’s license, passport or state ID card), employer name and phone number and proof of your address.

How can I set up direct deposit?

Contact your employer’s payroll department – use our Direct Deposit Authorization Form to make it easier.

How can I receive my statements electronically?

In Online Banking, simply click on "Self Service," and select "Stop Receiving Paper Statements."

Where do I find my routing number?

Checking account and routing numbers can be found on your checks - view example

Overdraft Protection

How can I sign up for overdraft protection?

To sign up for this protective benefit, mark the YES box under the "Overdraft Protection" section of the checking account application.
To add Overdraft Protection to your existing account, visit your nearest Commerce Branch or call us at 800-453-2265 today.

How much does it cost to have overdraft protection?

There is no charge to have Overdraft Protection on your checking account. However, if you have an overdraft, your Commerce Bank credit card (subject to credit approval) will be charged a cash advance fee, as well as interest, on funds credited to your account to cover the overdraft. Funds will be credited to your Commerce Bank checking account in $50.00 increments.

Commerce Bank Information

Where is the closest branch or ATM?