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mySpending Card®

mySpending Card®

Commerce Bank Contactless Visa Debit Card

A cashless way to pay

Take charge of your finances with the mySpending Card®. This reloadable, prepaid solution can be used anywhere Visa® debit cards are accepted, which makes it perfect for budgeting.


parents with 2 teens infront of home

Think of the mySpending Card® as a modern update to your child’s allowance. Only the funds you preload onto the card can be accessed. While your child begins their financial journey, you can track balances and transactions with available Alerts. Adding funds is as easy as making a transfer from your Commerce checking account.

Young Professionals

young professionals looking at a computer

Simply balance your “Fun Funds” and your “Bill Funds” with the mySpending Card®. Add the mySpending Card® to your mobile wallet for everyday purchases for a faster way to pay. The mySpending Card® features security protections such as Visa Zero Liability if the card is lost or stolen1 and text Alerts to track transactions. It’s the safer way to stay on the go and on budget.

Applying is easy! Purchase online with a Commerce debit card, or get your card instantly at a participating Commerce Bank Branch2. View our application checklist.

Order now

Tap & Go

paying for food with tap and go card

You can now tap to pay at checkout counters that support contactless technology. Follow the instructions below to use your mySpending Card® wherever you see the contactless Symbol3contactless lock symbol for fast, more secure4 transactions.
1. Look, 2. Tap, 3. Go
Existing customers will receive a contactless Visa® Debit Card after their current card expires.

View contactless cards frequently asked questions

Card Purchase Fee

  • Initial Value Load fee $5.95
  • Secondary/Additional Card $2.00

Min. Opening Load


Monthly Service Charge


Load Options

  • Sign up for Direct Deposit of your paycheck, government benefits or other income sources
  • Use the secure website, the phone4 or visit any Commerce Bank branch
  • Make a transfer from a Commerce Bank checking or savings account using Online Banking or Mobile Banking
  • If you do not have a Commerce checking or savings account: Use the Ingo Money app5 to load approved checks using your mobile device. Download the free app on Google Play™ or from the Apple®App StoreSM.

Load & Balance Limits

  • Minimum load amount: $10, unless funds are loaded by direct deposit or other ACH transaction6
  • Maximum load amount: $1,500 per day/$3,000 per rolling 7-day period, unless funds are loaded by direct deposit or other ACH transaction6
  • Maximum Card balance: $3,000, unless funds are loaded by direct deposit or other ACH transaction6

Spending & Withdrawal Limits

  • Maximum spending limit: $3,000 per day/$10,000 per month
  • Maximum cash withdrawal limit: $1,000 per day/$1,500 per rolling 7-day period


Unlimited Commerce ATM transactions

Online Services

  • Online account access to Card account information and transaction history
  • Balance updates via text alert7

Statement Options

  • Paperless Statements - Free!
  • Paper Statement - $3 per month

Additional Features

  • Visa Zero Liability protection if your Card is list or stollen8
  • FDIC Insured9
  • Automated phone service - 1 call per week per Account at no charge; $.50 per call thereafter
  • Contactless Checkout

When I call Customer Service for the first time, what is my access code?

For assistance in setting up your access code for the first time, call 1-800-453-2265 and select option 0 to speak to a customer service representative.

Are my access code and my PIN the same?

No. When calling customer service you will enter your access code. When making purchases or transacting at an ATM, you will use your PIN.

How do I activate my card?

How do I select or change my PIN (Personal Identification Number)?

To select or change your PIN, you can:
  • Select your PIN when you activate your card
  • Call 1-800-617-7480, select option 5
  • Visit a branch with instant issue capability or
  • Change your PIN at a Commerce ATM (you must know your current PIN to change it)

What is the difference between an ATM card and a Visa® Debit card?

ATM cards give you access to cash from an ATM or through PIN point of sale purchases. The Visa Debit card gives you a fast, easy and secure way to make purchases anywhere Visa is accepted.

Is a Visa Debit card the same as a credit card?

No. Purchases made with your Visa Debit card debit directly from your checking account. A credit card accesses a line of credit.

Where can I use my debit card?

You can use Visa Debit anywhere Visa is accepted at millions of locations worldwide.

What is the difference between a PIN purchase and signature purchase?

Some participating merchants provide you the option of either selecting Debit and entering your PIN or selecting Credit and signing for your purchase. If you select Debit and enter your PIN, a participating merchant allows you to receive cash back over your purchase amount at the register whereas if you select Credit and sign for your purchase there is no cash back option. Use your card however you choose.

Can I link my savings account to my debit card?

Yes. You can link your savings account to your debit card for withdrawals and deposits at the ATM only. Purchases may only be debited from your primary checking account.

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

Call Customer Service immediately at 1-800-617-7480, and select option 2. You must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. Once your card has been reported lost or stolen, you will choose whether to have your replacement card instantly issued or mailed (7-10 business days.)

How do I dispute a transaction on my debit card?

Call Customer Service at 1-800-617-7480, and select option 7. You must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity.

My debit card is going to expire soon. What should I do?

You should receive a new card in the mail two weeks to a month before you current card expires. If you do not receive your new card a week before the expiration date, call customer service at 1-800-617-7480, and select option 7.

I received a new debit card, but my current card hasn’t expired, will it still work?

Yes. Your current card will continue to work until the expiration date passes. However, to avoid misplacing your new card or having unauthorized use of the old card, we advise you to destroy your old card and begin using the new card immediately.

I pay my bills automatically each month with my current debit card – if I get a new card will my payments continue to be processed?

  • If your card number does not change, your payments will continue to be processed.
  • If your card number changes, contact each company and provide them with your new card information.
  • For more information on automatic bill payments with your Commerce Bank Debit Card, visit

How can I pay bills with my Visa debit card?

Visit for instructions.

Are the fees associated with my Visa Debit Card?

Yes. See your fee schedule for details. You may request a copy of our current fee schedule at any Commerce branch or by contacting 1-800-453-2265.

What ATMs can I use with my debit card?

Commerce Bank ATMs and PLUS ATMs. PLUS is an ATM network that allows you to access cash from your Commerce Bank accounts worldwide. Just look for the PLUS logo on the ATM. There may be a fee at non-Commerce ATMs. See your Personal Checking fee schedule for details.

Can I keep track of my debit card transactions?

Yes. You can track your purchases and daily balance through Online Banking. Plus, your monthly checking account statement will detail all of your debit card transactions, including where and when each purchase was made.

How can I avoid problems if I plan to use my debit card while traveling domestically or internationally?

We recommend that you set a travel notice on the card(s) you plan to use while traveling.
  • Sign in to Online Banking and enter your trip details by clicking on “Account Management” under “Customer Service” and select “Notification of Travel Dates”
  • Or call Customer Service at 1-800-617-7480, and select option 7

Will I be charged fees for using my debit card internationally or when purchasing online from international merchants?

Yes. You will be charged a Service Assessment fee of 3% of any purchase, cash withdrawal and cash advance made outside the U.S. in U.S. Dollars (Canada, Mexico and the Caribbean). Transactions made over the internet in U.S. Dollars submitted by a merchant with a non U.S. address are subject to the service assessment fee. You will be charged an International Service fee of 3% of any purchase, cash withdrawal and cash advance made outside the U.S. and is not in U.S. Dollars. (Euros, Pesos, etc.)

What is the process for a typical debit card transaction?

  • You present your debit card to make a purchase.
  • The merchant takes your card to process an authorization or, if a PIN pad is available, requests that you swipe your card.
  • The transaction information is sent to the processing network and Commerce Bank. November 2014
  • The purchase amount is deducted directly from your checking account. NOTE: It can take 1-2 days for certain transactions to post to your account.

Why does Commerce Bank place a “hold” on certain types of transactions?

Account deductions can’t be cleared until the final amount is known. Therefore, a “hold” may be placed on funds to cover the estimated cost of certain transactions, such as at gas stations. This ensures that you don’t spend more money than you have and merchants are paid for each transaction. While most holds are usually less than 24 hours, Commerce Bank will remove all holds within 72 hours.

What happens when I return a purchase?

  • The merchant authorizes the refund and sends the transaction information to its financial institution, either electronically or by phone.
  • The merchant’s financial institution processes the refund transaction and credits your checking account. NOTE: Even if a return is made on the same day as the purchase, the credit may not be applied in real time and your daily spending limit may still be affected by that purchase.


Please refer to the mySpending Card® Fee Schedule for more information.

  1. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.

  2. Instant issue of a mySpending Card®; is limited to primary cardholders. Secondary cards available for pick up at the branch after 2 p.m. the next day. Online purchases must be issued to customer via U.S. mail.

  3. The Contactless Symbol and Contactless Indicator are trademarks owned and used with permission of EMVCo, LLC.

  4. Contactless Visa cards use the same dynamic security as chip cards. Each transaction is accompanied by a one-time code that protects your payment information.

  5. Automated Phone Service Call Fee may apply if loading Card via phone.

  6. This service is provided by Ingo Money, Inc. and First Century Bank, N.A., subject to the Ingo Money and First Century Bank Terms and Conditions, and Privacy Policy. All checks subject to review for approval. Fees and data rates may apply.

  7. ACH transactions can include, but are not limited to, direct deposit of payroll, government benefits and tax refunds.

  8. Standard text rates/web access charges from your wireless phone provider may apply; see your wireless phone provider for details.

  9. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.

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