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    Refer a Friend. One for Me, One for You, up to $1,000.1

    Earn a $100 Visa® Reward Card up to $1,000 each time you refer a qualified friend or family member to Commerce Bank.1

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    Commerce Free Checking

    Manage your essential spending needs with your FREE checking account.

    Mortgage Refinancing

    Check today’s rates and start your application.

    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.

    How much house can you afford?

    House hunting can feel overwhelming at times, but it should still be an exciting milestone. Start strong by knowing your budget before you scroll through listings — it can help you stay confident, avoid surprises and keep your dream home within reach.

    Benefits your teen gets with a bank account.

    Teaching teens about money early can set them up for lifelong financial confidence. A simple first step? Their own bank account. Here are four ways you can support them through hands-on learning.

    Tax season scams: How to recognize and avoid fraud.

    Tax season is here — and so are the scammers. Knowing how to spot the warning signs can help you stay ahead of phishing emails, fake tax prep services and other scams.

    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, savings account or prepaid card and set up a qualified recurring direct deposit. There’s no enrollment required, and it’s part of the added benefits included with Commerce Bank accounts for your convenience and security.

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    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.

    Commerce Bank empowers young athletes at the Sophie Cunningham Classic.

    Elite hoops and real world skills came together at the Sophie Cunningham Classic. Learn how Commerce Bank helped empower young athletes with financial tools that support their futures — on and off the court.

    Commerce Bancshares recognized among top five in Bank Director’s RankingBanking report.

    Commerce Bancshares placed in the top five in Bank Director’s annual RankingBanking report. Scores are based on many categories and then combined to determine overall rankings.

    Commerce Bank named one of America’s Best Banks by Forbes.

    Commerce is honored to be named to Forbes’ America’s Best Banks. This recognition highlights the team’s dedication to excellence in financial services and its strong customer connections, as well as a culture that supports growth.

    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:

    1. 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. 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 or prepaid card 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.

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