Commerce Bank started just as communities were rebuilding after the Civil War. Today, Commerce continues to be a friendly, strong bank that supports personal, business and community growth. As they have for 150 years, customers appreciate that all their banking needs are met, and by a bank that is invested in the local community.... show more
Commerce Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/17/2025.
3.9
4,292 reviews
from WalletHub and across the web
4,292 reviews from WalletHub and across the web
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Commerce Bank
Wes Mo @wesraft
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1 Star Rating
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.
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Product: Commerce Bank Checking
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Commerce Bank
Blake Peters @b_peters44
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1 Star Rating
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.
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Product: Commerce Bank Checking
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Commerce Bank
Hickam324 @Hickam324
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1 Star Rating
Tried for two days to get in touch with someone about fraud and couldn't get anyone to pick up the phone. I was put on hold, and then someone would pick up and hang up. This happened three times; that's unacceptable, especially when pertaining to fraud.
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Product: Commerce Bank Credit Cards
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Commerce Bank
Karri Sanderson @sandersonk
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1 Star Rating
Verified Customer
I was a credit card holder for over 23 years. They closed my account in May without notice, which they are legally allowed to do. I was late on a payment in September because auto-pay had expired, but I made a payment as soon as I discovered my oversight. I paid it off completely in November. Nearly six months later, they closed the account, six months after the notice in September. Customer Service was anything but helpful, and they refused to reopen my account because I had not made a payment within 15 days after the late payment notice in September. My debt with them was not massive; at most, it was $3,000. The service provided was terrible to an account holder who had held a bank account and credit card account with that bank for almost the entirety of their adult life. Additionally, I called on May 29 and spent 40 minutes on the phone with customer service, to be told I would hear back in three business days. Today is June 12, and after speaking with three additional customer service staff—almost two weeks later—I have an answer. Points, rewards, and debt transfer services are better with other cards. Do not waste your time and finances with this bank. The "award-winning customer service built on trust" is not upheld when they are not profiting from your debt.
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Product: Commerce Bank Credit Cards
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Commerce Bank
Larissa Leckbee @LarissaLeckbee
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2 Star Rating
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.
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Product: Commerce Bank Checking
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Commerce Bank
kacey br @bryant19kacey
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1 Star Rating
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.
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Product: Commerce Bank Checking
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Commerce Bank
Frank Rios @mrfrankpr
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1 Star Rating
Verified Customer
Shady credit card offer practices. Be careful when using their credit card offers. For example, they have an offer when paying at Walmart to redeem 2,000 points and get $10 off your receipt. However, they make it look like you're getting the money from the redeemed points plus an additional $10 off, which is not true. You're only getting the $10 off and spending 2,000 points, which are worth $20, so you're essentially losing $10. This is not an offer but a scam.
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.
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Product: Commerce Bank Checking
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Commerce Bank
Rocky Mac @drmackforpres
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1 Star Rating
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
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Product: Commerce Bank Checking
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Commerce Bank
Jed Carter @jedatmk12
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1 Star Rating
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.
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Product: Commerce Bank Checking
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Commerce Bank
Willie T @fadeprufe
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1 Star Rating
Verified Customer
They reported my unsecured card as a secured card to the credit agencies. When I called customer service, they could not reach their credit card department. They claimed they were backed up and had to be emailed. Still, nothing from them after two weeks. Tomorrow I am filing a complaint with the Department of Commerce.
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Product: Commerce Bank Credit Cards
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Commerce Bank
Curtiss Dean @cuirtissdean
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5 Star Rating
Verified Customer
One of the best cards I've ever had, and I've tried more than a few. The ease and convenience of using this card are truly amazing. I love my interest rates, as well as the relatively easy way it is to talk to someone for help. Maybe others don't care to talk to you, but they aren't Commerce Bank, are they?
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Product: Commerce Bank Credit Cards
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Commerce Bank
Rodney Clarkson @rodclarkson
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1 Star Rating
Verified Customer
Where to start? This bank has the worst customer service and the most poorly trained customer service representatives of any bank I have ever worked with. I had placed an order from a merchant that was never delivered to me. I filed a dispute with Commerce Bank and had to call several times to handle the matter. Their reply to my inquiry was that they have been busy, and the last person did not document my file, etc. I finally got tired of dealing with incompetence and closed the account. Seriously, their customer service agents can barely communicate. Moreover, when I asked the person I spoke with regarding the dispute for his name or ID number, his reply was that he is not required to provide that information. Wait, you just asked for my name, my mother's maiden name, home address, and the last four digits of my SSN, and you cannot even provide a name? I closed the account and am sticking with American Express, where the service is first-class. Finally, their online portal is a mess. Stay away from this bank at all costs.
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Product: Commerce Bank Credit Cards
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Commerce Bank
vadencalhoun @vadencalhoun
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1 Star Rating
The Commerce Bank facility is accused of misappropriating funds from the elderly. Numerous efforts have been exerted to persuade the bank to disclose transaction details regarding unaccounted funds from my mother's account, yet everyone from her personal banker to the branch manager has failed to provide the detailed transaction statement necessary to trace the missing money. Consumers are advised not to trust this bank due to allegations of theft from elderly clients.
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Product: Commerce Bank Personal Loans
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Commerce Bank
Ken Krumm @kkrumm52
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1 Star Rating
On December 26, 2023, I had five fraudulent charges on my Commerce Visa Card. The first two charges were for items on a mirrored national retailer's site. After ordering, the perpetrator charged my card three additional times for the same item. I called Commerce Bank and shut down the card. When the items were posted on my card billing online, I called Commerce and told them to stop payment on the charges. The billing address was a Samsung Wallet account. No national retailer uses a Samsung Wallet account. They refused, even on the three additional charges that I didn't make for the same item. So, I opened a dispute case on all five charges. A month later, I received a letter stating they ruled against me on the dispute because they did not pay a sixth fraudulent attempt that they blocked, and I knew nothing about. So, they opened a second dispute case. The second dispute ruled in my favor, but the case was only for the three additional fraudulent charges. They failed to include the two original charges. That case was opened on March 17. That was 78 days ago, and I've heard nothing from Commerce Bank. The dispute department stated it takes 60-90 days for resolution. I've been waiting over five months. I've called their customer service over a dozen times, waiting about an hour each time to talk to a representative. Each representative was rude and of no help. I've even complained to my local branch manager in April, who did a great job checking into why it's taking so long for a resolution. His involvement most likely resulted in slow-walking this dispute. Once this third case is resolved, the card will be shredded. There's no way to check on the status online. This experience was worse than the actual fraud.
Get answers to your questions about Commerce Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The Commerce Bank routing number is 101000019. You can find the routing number in the bottom left corner of your checks.
You can also find the routing number in online banking at the bottom left side of the account activity screen.
To find the routing number in the app, select your checking account, scroll past your recent transactions, and tap Routing & Account Number to show both.
You can redeem your Commerce Bank rewards online by signing in to your Commerce Bank account at commercebank.com/cardaccess. Alternatively, you can call the Commerce Bank Rewards Service Center at (800) 350-7193.
You can enroll in Zelle through the Commerce Bank Mobile Banking App or Online Banking. Then you can send and receive money from people with a U.S. checking or savings account at participating banks.
It's important to note that this feature may change without prior notice. For the most up-to-date information, please refer to the Commerce Bank website.
Commerce Bank's credit score requirement is 700 or higher for most cards. One exception is the Commerce Bank Secured Credit Card because it requires a credit score of at least 300 for approval, which is considered bad credit.
Keep in mind that it's best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Your University of South Alabama Credit Card application status should arrive in your mailbox in 3-5 business days. Thank you for picking the Right Card!
Commerce Bank customer service representatives are not available on federal holidays. However, you can access the 24-Hour Account Information Line at (800) 453-2265 to check account activity, transfer funds, or perform other automated services.
Please note that all Commerce Bank branches remain closed on federal holidays, including New Year's Day, Martin Luther King Jr. Day, Presidents Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.
The easiest way to apply for the Commerce Bank Business Platinum Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Commerce Bank's website. Alternatively, you can apply in person.
Keep in mind that the Commerce Bank Business Platinum Credit Card requires excellent credit, which means you need a 750+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
The best way to check your Commerce Bank points balance is by signing into your Commerce Bank account online. You can also see how many points you have by calling Commerce Bank's customer service at 1-800-350-7193 and ask about rewards balance information.
How to Check Your Commerce Bank Points Balance
Online: Sign into your online account and go to "Rewards."
By phone: If you have any questions about your points balance, you...
The Murray State University Credit Card is a pretty good bonus rewards credit card for Murray State University alumni, faculty, supporters and students. Although this card is affiliated with a school, it is not a student credit card, and applicants need at least a good credit to get approved.
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by WalletHub: Commerce Bank Miles® Credit Card, National Association of Social Workers (NASW) Credit Card, Drury Rewards Credit Card, Kansas City Zoo Credit Card, AOPA Credit Card, Commerce Bank Secured Credit Card, Florida Nurses Association (FNA) Credit Card, Commerce Bank Business Platinum Credit Card, and Murray State University Credit Card.
