Small Business Online Banking FAQs

Online Banking is the quick, easy and smart way to manage your money. With Online Banking, you can

• Check your account balances and review your transactions
• Confirm which checks, deposits, withdrawals and ATM transactions have cleared
• Transfer funds between Commerce accounts
• Keep track of your Commerce Credit Card transactions
• Export your banking information to your personal financial management software, such as Quicken^{® 1} and QuickBooks™¹
• Communicate with Commerce Bank Customer Service via secure email
• Bank on the go with Mobile Banking
• Manage your accounts with email and text Alerts
• Nickname your accounts
• View up to 7 years of statements and checks from the last six months
  

Customers can access Online Banking with the following browsers:

PC:

• Internet Explorer^® 8.0 or higher
• Chrome^®
• Firefox^®

Macintosh^®

• Safari^®
• Chrome^®
• Firefox^®

For additional information on these browsers and how to download them, please visit their websites:

• Microsoft
• Chrome
• Firefox
• Safari

Many of your questions can be answered by using the online "Help" feature. From within Online Banking, just click on the "Help" link, or click on the "Help with this page" link. You'll find information that's specific to the page you're viewing. If you are using Online Banking through Quicken^{® 1} or QuickBooks™ ¹ please contact the software provider.

If you can’t find the answer here, you can call Small Business Online Banking Customer Support at 866–365–9346. This service is available: Monday through Friday 7:30 a.m. – 10:00 p.m. (CT) and Saturday 7:30 a.m. – 4 p.m. Or, you can ask your questions by sending a secure message from within Online Banking.

For your protection, please keep in mind the following guidelines as you select a Customer ID or Password for Online Banking through the Internet:

• Customer ID Requirements: Your Customer ID must be between 6 and 32 characters. It should be a mixture of both letters and numbers. It is not case sensitive. It may not contain special characters, and it cannot be the same as your Password.
• Password Requirements: Your Password must be between 8 and 32 characters. It is case sensitive, and must contain a mixture of lower-case letters, upper-case letters, at least one number and at least one of the following special characters: - ' . , @ : ? ! ( ) $ \ / % ^ * + | { } [ ] ~ ` # .
• Additional Password Recommendations:To increase the security of your Online Banking, your Password must not contain any letter or number repeated 3 or more times consecutively, such as AAA or 111. Also, it should not include any part of your name or initials or any four consecutive numbers of your social security number, phone number or address. We recommend that you do not use common words. Finally, do not write down your Password or share it with others.

To stop receiving paper statements, just click on “Account Management” under “Customer Service”, and then “Choose your Statements Options/Stop Paper Statements” and follow the instructions. Statement Options include:

• E-Statement (FREE for all accounts) – Enjoy the convenience of paperless statements; we’ll store them online and they’re accessible any time. Plus, we’ll send you an email each month to let you know when your new statement is available.
• Paper Statement (Fees may apply for Paper Statements. Please see “Statement Options Fee Schedule" for details) – Continue to receive a paper statement every month, but we’ll store your checks for you.
• Paper Statement with Images – (Fees may apply for Check Image Statements. Please see "Statement Options Fee Schedule" for details) – Receive your statement in the mail, plus you’ll get images of your cancelled checks each month.

No matter which option you select, your statements and check images are available to view in Online Banking. Plus you can elect to receive an email every month when your new statement is available (this is required if you elect E-Statements.)

Both checks and statements are available in Online Banking. For a check copy: On the “Account Activity” screen, locate the check and click "Front" or "Back" to view the check.

For a statement: In the "Accounts" section of Online Banking, go to "Statements". Click on the dropdown menus to select the Account and the Statement Period you wish to see, and then select the statement you wish to view

You may change your email address, mailing address and phone number by going to "My Profile" under "Customer Service" inside of Online Banking.

You may transfer funds between your business’ checking, savings and money market accounts. You may also transfer funds from a business deposit account to a business loan, credit card or Line of Credit to make a payment.

If your account is a limited transaction account (regular savings or money market account) certain limitations may apply. For more information, please refer to the Online Banking Terms and Conditions and the Deposit Agreement applicable to your account.

You may change your Password and Customer ID for Small Business Online Banking through Small Business Online Banking by clicking “My Profile” under "Customer Service", then "Password or Customer ID". You will be asked to verify your current Password or Customer ID and to select a new Password or Customer ID. As you select a new Password or Customer ID, please refer to the guidelines above.

You may export your transactions to a file, from the "Transaction Download" screens. Choose "Accounts" then "Download Transactions". Select the "Account", a "From" and a "To" date, the type of file you'd like to "Download To" and select "Download". You may select Money (.OFX), QuickBooks™¹ (.QBO), Quicken^{® 1} (.QFX) or Comma Separated (.CSV).

Your pending transactions are updated in real time. These include transactions made at a Commerce ATM, in the teller line, and for certain Visa^® Debit Card transactions. Your account information ("Account Detail" and "Current Balance") is updated every business day from the transactions that have cleared your account the previous day. Your "Available Balance" is the portion of your balance that is immediately available for use.

You can access your Commerce Bank account using QuickBooks™¹ or Quicken^{® 1}:

Quicken^{® 1} for Windows (2009 or later versions) Quicken^{® 1} for Macintosh 2007 QuickBooks™¹ for Windows (2009 or later versions)

Quicken^{® 1} and QuickBooks™¹; are registered trademarks of Intuit Inc.

If you would like additional information or assistance, please:

• Call our Online Banking Customer Service at 866-365-9346.
• Email Customer Service at mymoney@commercebank.com². For your security, please do not include sensitive information such as your Social Security Number or account number in an unsecured email. 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.
• Come by and visit a Commerce Banker today.

If the Administrator forgets their password to Small Business Online Banking, click on "Forgot Your Password" on the Log In screen (sub-users can request password changes from their Administrator). You will then be asked to confirm your personal identifiable information that we have on file. Please provide the information that is requested and click "Continue." Once the information is verified, you will be given the opportunity to choose a new Password.

Password resets for Small Business Bill Pay must be requested by calling 866-365-9346. A new password will be mailed to you.