Commerce Bank Checking Accounts

After 50 yrs with Commerce they have debanked me with false claims of suspicious activity yet couldn't name one thing. Debanked!!! Run from this unAmerican "bank"

I have used commerce bank for around 2 years and during this duration of time I have had fraud on my card 4-5 different times. Yesterday I received a $200 charge on my card which I didn’t make. It is so frustrating having to do the same process over and over again with this bank, I am now switching!

This was my first experience with a bank, and I feel like there have been multiple instances of fraud that I've experienced. Each time, I felt that it had continuously gotten worse, with more and more unauthorized purchases being made. This time around, $1,500 was taken out of my checking account, and I have had to make five to eight phone calls and still have not received the proper information. I kept having to wait 20 minutes to an hour, was continuously transferred to multiple departments, and at one point, the machine hung up on me because no one picked up. Once I did receive something (a case number), I got a different callback from a voicemail I had left previously, who told me that there was no dispute made or a fraud alert, so now I'm even more confused. These people are telling me I have to wait 15-30 days for my money to be returned, but that's not a luxury people get to have with rent payments, loan payments, and other charges I've committed to and now have to change. After nearly a decade of having a bank account with commerce, I've filed a formal complaint with the OCC and will be opening a new bank account with a different company. This has been incredibly frustrating, and I feel like I've been sent on a wild goose chase where I don't even get the full answer for things. I'm going to keep calling to make sure I get my money back, but after that, I'm closing the entire account because this has been absurd.

The worst bank I've ever used or been a part of... I opened the account based on need to get immediate conversion of currency when traveling. I never use the account for any online or checking activity.

First incident occurred with someone charging random ATT and Spectrum charges from out of state. None of these flagged the account and all were allowed to overdraft. Customer service doesn't help over the phone online, you MUST go into a branch to fight the fraud and this takes hours upon hours. In the end they make you setup a new account number and come back into the branch to transfer the recovered funds. The worst!!!

Second incident just occurred. I received a December 2025 letter in the mail (they have my phone number and email) stating that due to inactivity I would be charged dormant fees! This is their free checking account with minimum deposit of $100. No 30/60/90 day notices of upcoming charges, just a December letter stating the next statement would have the fee. The next statement released prior to the letter even being received!! I received my Nov 14- Dec 13 statement with an $8 charge for dormancy!

Basically, if you want an incompetent bank with practices to nickel and dime you, with ZERO fraud alerts, then go into Commerce bank, they'll be glad to steal your money and not care for already having access to invest your deposited money.

On another note, my 2nd cousin who is in a nursing home has been with Commerce since it was available in St. Louis. Her designated power of attorney and guardian has no access to information on her accounts and Commerce won't provide it, even with an attorney requesting it. They're stating that my nearly bed ridden 2nd cousin must provide a drivers license and show up in person to make any changes to her account!! A drivers license for someone who has been in a nursing home for nearly 10 years and license is expired!

They're a curse to work with and no other bank I've worked with have I seen this type of disregard for the welfare of the account owner. Again, only attempting to take your money through fees and ensure you can't move your money out without unreasonable hurdles... should anyone you know be aged where this would affect them, I'd recommend to move money now! Leave Commerce for good! This deserves negative stars!

Absolute worst bank I have ever dealt with. I have been in contact with them for four months, trying to get them to honor a bonus that I am long since due. Every time, they push it back another month. I'm over it! I am now forced to share my terrible experience on every social media platform out there. What a waste of my time, but they give me no other choice. Stay far away from this deceitful company.

I was scammed out of hundreds of dollars over a few years with a charge of $20 or less occurring monthly. I only noticed it recently, so I reached out to the commerce fraud department, and the bank's fraud department is going to reimburse me only $42 instead of the full amount I was scammed. To say the least, I am outraged. I highly do not recommend their services and will be taking my and my family's business elsewhere. The bank's handling of this matter has been truly disappointing.

I've been with Commerce Bank for years, my husband for decades, and we both have really liked them. We have all our accounts there, our loans, etc., and never had an issue. Today I called them because I needed a Medallion stamp on a very important legal document, and had nothing but a nightmarish experience. After 45 minutes of customer service calling around, they finally told me that the branch which does provide those stamps can't help us because we don't have investment accounts through the bank. I'm beyond upset now, as no other bank will stamp my document for me because you have to have an account with them, and now Commerce, a bank with which I've had numerous accounts, says no, you have to invest with us, or we won't do it. If it were just a notary stamp, I might be more understanding; honestly, I can go anywhere, but I NEED this stamp and the one place that might do it won't because I don't invest with them. If a bank will only help you if you're special and have lots of money, then I'll take my business to the bank that said they could do it if I'd had an account with them.

First off, setting up your account on the app is more of a pain than anything. The bankers don't help you set it up while you're there; they just give you a packet with a number on it to call. On top of it, you have to talk to ten people on the phone before you reach the right person, and it took me forever and a day. Secondly, I get paid through checks at my work and they told me that's fine, just no personal handwritten checks. Then I go to deposit my third check within the month and they said I can't deposit it until another 7 days because there's a 30-day hold on all new checking accounts, but they let me deposit my first two checks with no issue. The second time I even had someone else deposit my check for me and it went through. So technically, they expected me to wait a whole month to access any of my money or pay my bills? I think the banker didn't tell me that because I wouldn't have opened an account with them if I knew. If you want junk mail from them every day as well, I'd recommend this place for that. Do better.

This bank is the worst. I have been trying to disburse funds to the beneficiaries of my dad's trust; most of them are out of town. The disbursements are large, so I did not want to put them in the snail mail. Commerce has treated me like a criminal at every turn: When I tried to do a wire transfer at a branch office, they wouldn't let me, even though I had all the paperwork needed to legitimize my power to make the transfers. When I returned home, I found they had locked me out of online banking! I tried to deposit a check at the window, but they would not take it because it wasn't endorsed, even though I told them the recipient is in a foreign country. I'm giving money to people, not trying to take anything out; it's a deposit. When I told the teller that I know this can be done, she sneered at me, accepted the deposit (partly because I wasn't leaving), and put a two-week hold on it. TWO WEEKS? I have encountered at least three Commerce bank employees during this mess, and NOT ONE was interested in helping me—they didn't offer me any options. NONE OF THIS HAPPENED at any of the other three banks where I made deposits for other beneficiaries. I'll put my money under my mattress before I do business with them again. We are done with Commerce.

CommerceBank does not know how to deposit large checks correctly. I deposited a 401k withdrawal check at the Midland Dr branch in Shawnee, KS. The system places an automatic large deposit hold on the check, which is reasonable. The branch manager then placed a branch discretionary hold on the check for 7 business days, to "allow the funds to clear". However, she did it incorrectly. She placed the discretionary hold for the full check value, plus the initial auto-hold, resulting in an account hold equivalent to 150% of the value of the check. This action caused my account to go negative over $3,000, which then prevented me from accessing my paycheck because the account was still "negative" after my direct deposit. None of this would have happened if I hadn't tried to deposit a large check. It is clear that CommerceBank branch managers do not know how to handle large deposits or how to issue holds correctly. Save your money and yourself. #AVOIDCommerceBank