Commerce Bank Checking Accounts

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

I was a customer for over 20 years. I closed my account, withdrew all the cash, moved, and was assured that no further charges could be made to a closed account. I spent a good hour or two at the bank, having them examine my account and overdraft protection, to be sure they were shut down properly. One and a half years later, at my new address, I received a bill for late charges due to a bounced payment, which was connected to the closed overdraft protection. During what seemed like friendly correspondence with Commerce to resolve this mistake on their part, they sent the account to collections. I would have had over 30 years of perfect credit if not for this. I'll give one star because my over 20 good years there became easier and easier to forget each time I was harassed by a collections agency over the past six years. One more year to go before I'm free.

Horrible bank. From their outrageous fees to the holds they place on checks ( 7 business days)? Yet the clearinghouse processes the transaction in 2 days. If you are looking for a bank to be a financial partner Commerce is definitely not the bank to go to.

I love the staff at Commerce!! Very professional and helpful! Never had an issue. I have checking, revolving loan and credit card.

Freaking awful. I was on the phone over an hour trying to make an external transfer and literally 7 people (from the ONLINE SERVICES DEPARTMENT) didn't know how to do it. I logged online for 1 minute and was able to do it once I got to a computer. And the lady I kept getting (Candace, from online services) told me that my "attitude was why I kept being transferred" and then continually hung up on me each time I called until I was moved to a supervisor. The worst bank I've ever experienced. Absolutely the worst.

Skip this bank. I had a couple of overdrafts and they took away my ability to use mobile deposits. How ridiculous is that?! I have had an account with them for probably 20 years and lately nothing but problems with them. They told me I could mail the deposit I asked who does that and his answer was "Someone who had a Ferrari" what?? I do have several automatic payments. When I asked about closing the account they said I would be charged for those payments even though my account would be closed. I am livid. Save yourself the aggravation and find better bank.