Online Banking FAQs

The fees for Online Banking are based on the method of access and the services you select.

• Click on “My Profile” under “Customer Service”
• Choose “Customer ID”
• You will be asked to verify your current Customer ID
• Select a new Customer ID

As you select a new Customer ID, please view “What are the Customer ID requirements?”

• Your Customer ID must be between six and 32 characters
• Your ID should include both letters and numbers. IDs are not case sensitive
• Your ID may not contain special characters
• Your ID cannot be the same as your password

• Click on “My Profile” under “Customer Service”
• Choose “Password”
• You will be asked to verify your current password
• Select a new password

• Your password must be between eight and 32 characters
• Your password is case sensitive, and must contain a mixture of lowercase letters, uppercase letters, at least one number, and at least one of the following special characters: - ' . , @ : ? ! ( ) $ \ / % ^ * + | { } [ ] ~ ` #
• Your password must not contain any letter or number repeated three or more times consecutively, such as AAA or 111.
• Though not a requirement, we strongly recommend that your password does not include any part of your name, your initials, or any four consecutive numbers of your Social Security number, phone number or address

Statement options include:

• Paperless statements:
  Paperless statements are FREE for all accounts. Enjoy the convenience of paperless statements. Plus, you’ll receive an email each month to let you know when your new statement is available.
• Paperless statements with images:
  Paperless statements with images of canceled checks and deposit tickets are FREE for all accounts. You’ll receive an email each month when your new statement is available.
• Paperless statements:
  Fees may apply for paper statements; please view “Statement Options Fee Schedule” for details. You’ll continue to receive a paper statement every month, but we’ll store your checks for you.
• Paperless statements with images:
  Fees may apply for check image statements; please view “Statement Options Fee Schedule” for details. You’ll receive your statement in the mail; plus, you’ll get images of your canceled checks and deposit tickets each month.

Both checks and statements are available in Online Banking.

For a check copy:

• Locate the check
• Click the dropdown arrow or the check icon in front of the description of the item to view additional details
• Click “Front of Check” or “Back of Check”

To view the most recent statement available:

• Click “View Last Statement” in the upper right-hand side of the Account Activity page for account types that offer statements online.

To view statements dated further back:

• Go to the “Accounts” section of Online Banking
• Select “Statements”
• Click on the dropdown menus to select the account and the statement period you wish to view
• Select the statement you wish to view.
• You can also choose “View Statements” under "Account Tools" in the left-hand navigation on the Account Activity page.
  • In the new page that opens, you can select a statement from the current year or up to 7 years prior.

You may transfer funds between personal checking, savings and money market accounts at Commerce. You may also transfer funds from a personal deposit account to a Commerce personal loan or credit card to make a payment. In addition, you may transfer funds from a Home Equity Line of Credit to a personal deposit account.

Fees may apply for transfers from a savings account. For more information, please refer to the fee schedule applicable to your account.

To view which of your accounts are eligible for transfers:

• Click “Transfers”
• Select the dropdown menu for “From” and “To” accounts

If you make a transfer between deposit accounts or to a personal loan or line of credit, it will happen immediately as long as it’s before 7 p.m. CT on a Business Day. If you are transferring to a small business loan or line of credit, the cutoff time is 4 p.m. CT on a business day. “Business Days” are Monday through Friday. Federal holidays are not included.

You may only change or cancel the transfer before it has been processed. Requests to transfer funds to a Commerce credit card account received on a business day before 7 p.m. CT will be debited from your Deposit Account on the same business day, but credited to your credit card account on the next business day.

If you schedule a transfer to occur at a later date, the transfer will be made at 7 p.m. CT on the business day that is scheduled to happen. You may change or cancel a future scheduled transfer up to the cutoff time listed above.

View our Online Banking Terms and Conditions for full details.

From the “Transaction Download” screens:

• Choose “Accounts”
• Select “Download Transactions”
• Select the “Account”
• Input a “From” and a “To” date
• Select the type of file you’d like to “Download To”
  • You may select Money (.OFX), QuickBooks® (.QBO), Quicken® (.QFX) or Comma-separated Values file (.CSV)
• Select “Download”

• In Online Banking, it is called "My Profile" (Customer Service "My Profile").
• In the mobile app, choose the "Menu" button, then "Profile, Settings & Alerts" then "Contact Info."

• Commerce Bank Online account access locked
• Enhanced Security settings changed
• Enhanced Security authentication method enrolled

At Commerce, we are always working to enhance our security practices. As a result, third-party service providers that use your Online Banking credentials to connect your financial accounts with their services may not properly connect.

Please contact our Customer Care Center at 833-509-3246 and provide us with the following information:

• The third-party provider you are trying to connect
• What you use this provider for (i.e. bookkeeping, budgeting, etc.)
• Date and time when you first experienced the issue

We will contact the provider on your behalf in an effort to resolve the issue.