Commerce Bank | Banking, Checking, Savings, Mortgages & More

Commerce Free Checking

Manage your essential spending needs with your FREE checking account.

Mortgages

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Personal Credit Cards

Apply for a credit card in minutes and get a quick response.

myRewards Savings Account

myRewards Savings grows with you.

You have questions, and we have answers.

Whether you need help setting short-term goals or planning for your future, our Ideas & Tips page offers simple solutions to complex financial challenges. Explore our articles when you have financial questions to help you make informed decisions, and then get back to what matters most.

Financially preparing for the unexpected.

Life doesn’t always go as planned — but your finances can be ready. Learn simple, smart ways to build a safety net and face the unexpected with confidence.

What your teen should know about getting their first paycheck.

That first paycheck comes with more than just spending power — it’s a chance to learn. Help your teen understand where their money goes and start building smart habits from day one.

Recognizing and avoiding impersonation scams.

Scammers are getting more convincing — posing as law enforcement, court officials or even toll agencies to pressure people into fast decisions. Taking a moment to assess can protect your money and peace of mind.

Explore more articles

Early Pay

Commerce Bank’s Early Pay feature allows you to access your direct deposit up to two days early* once you have a Commerce checking account or savings account and set up a qualified recurring direct deposit. Set up direct deposit in minutes with Direct Deposit Connect™ through the Commerce Bank Mobile App or Online Banking. There’s no enrollment required, and it’s part of the added benefits included with Commerce Bank accounts for your convenience and security.

Learn more about Early Pay

Get to know us.

Step behind the desk and learn more about the people, culture and values that power Commerce Bank.

VISA^®, Worldwide FIFA^® Partner, and Commerce Bank launch Small Business Readiness program.

VISA^® and Commerce Bank are teaming up to help small business in Missouri and Kansas get ready for the surge of fans coming for FIFA World Cup 26™. Check out the new Small Business Readiness program, helping them score big while serving thousands of soccer fans.

Building bright futures through financial education at Wyandotte High School.

Real impact starts close to home. See how Commerce is partnering with Wyandotte High School to empower students with real-world financial skills — and confidence for what’s next.

Learn more about Commerce Bank

We're here when you need us.

We may be 160 years old, but we’re always working to best support our customers’ needs. We’re here to help you bank where, when and how you'd like — whether that’s online, on mobile, over the phone, or in person.

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Disclosures:

For every referred account that meets the qualifications, the “Referrer” will receive a $100 Visa^® Reward Card and the “Referred Person” will receive a Visa^® Reward Card worth at least $200. Maximum $1,000 in Visa^® Reward Cards per person, per calendar year. Terms & Conditions apply opens in a new window. Limited time offer.

* You may receive a direct deposit up to two days early with Early Pay if you have 1) a checking or savings account with us, and 2) a recurring qualifying direct deposit to that account. Qualifying direct deposits may include a recurring ACH deposit of less than $10,000.00 for payroll, Social Security or other government benefits, or pensions. Early Pay is automatic and there is no fee. Please visit the Commerce Bank Deposit Agreement and Funds Availability Policy for more details.

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.

Log in to Online Banking or select an account:

You have questions, and we have answers.

Financially preparing for the unexpected.

What your teen should know about getting their first paycheck.

Recognizing and avoiding impersonation scams.

Early Pay

Get to know us.

VISA^®, Worldwide FIFA^® Partner, and Commerce Bank launch Small Business Readiness program.

Building bright futures through financial education at Wyandotte High School.

We're here when you need us.

Disclosures:

About Us

Careers

Security Center

Other Links

Personal Banking Services

Refer a Friend. One for Me, One for You, up to $1,000.footnote 1

You have questions, and we have answers.

Financially preparing for the unexpected.

What your teen should know about getting their first paycheck.

Recognizing and avoiding impersonation scams.

Early Pay

Get to know us.

VISA®, Worldwide FIFA® Partner, and Commerce Bank launch Small Business Readiness program.

Building bright futures through financial education at Wyandotte High School.

We're here when you need us.

Disclosures:

About Us

Careers

Security Center

Other Links

Refer a Friend. One for Me, One for You, up to $1,000.^{footnote 1}

VISA^®, Worldwide FIFA^® Partner, and Commerce Bank launch Small Business Readiness program.