Commerce Bank
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1 Star Rating
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"
Product: Commerce Bank Checking
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Commerce Bank
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 04/14/2026.
3.9
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Commerce Bank
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1 Star Rating
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!
Product: Commerce Bank Checking
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Commerce Bank
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1 Star Rating
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.
Product: Commerce Bank Checking
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Commerce Bank
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1 Star Rating
One of the more alarming concerns I have is the quality of the customer care representatives that they employ.
The second issue I have with this company is that they pull funds for your agreed loan terms as early as five days before your agreed payment date and as late as five days after your bank has shown the payment as processed.
This company does not care about their policyholders and offers little to no accommodations for anyone who may come into tough times financially.
I attempted earlier in the week to skip a February 26th payment in the amount of $76.18 and was told by a representative that because I'd taken advantage of a skip payment in the year 2025, I would need to wait two calendar years before I was allowed to skip an additional payment. The term of my loan is shorter than two years. When I mentioned this to the representative, he responded that he didn't know what to tell me.
This conversation took place two business days prior to my scheduled payment. At that point, the payment had been pending with my bank for more than four days.
Even as I write this review, it is the fourth and still the bank has not attempted to pull the funds.
I would prefer taking this to collections and the blemish on my credit over doing business with this bank again. UNMC, a hospital in the state of Nebraska, partners with this organization.
Of any bank I've ever had any affiliation with, this is by far the worst. Second would be Wells Fargo, and they were caught making fraudulent accounts in my name to pacify shareholders in years past, so if that doesn't tell you how terrible this bank is, I don't know what will.
Avoid doing business with this company, even if there isn't an alternative option.
If I could give zero stars, I would.
The second issue I have with this company is that they pull funds for your agreed loan terms as early as five days before your agreed payment date and as late as five days after your bank has shown the payment as processed.
This company does not care about their policyholders and offers little to no accommodations for anyone who may come into tough times financially.
I attempted earlier in the week to skip a February 26th payment in the amount of $76.18 and was told by a representative that because I'd taken advantage of a skip payment in the year 2025, I would need to wait two calendar years before I was allowed to skip an additional payment. The term of my loan is shorter than two years. When I mentioned this to the representative, he responded that he didn't know what to tell me.
This conversation took place two business days prior to my scheduled payment. At that point, the payment had been pending with my bank for more than four days.
Even as I write this review, it is the fourth and still the bank has not attempted to pull the funds.
I would prefer taking this to collections and the blemish on my credit over doing business with this bank again. UNMC, a hospital in the state of Nebraska, partners with this organization.
Of any bank I've ever had any affiliation with, this is by far the worst. Second would be Wells Fargo, and they were caught making fraudulent accounts in my name to pacify shareholders in years past, so if that doesn't tell you how terrible this bank is, I don't know what will.
Avoid doing business with this company, even if there isn't an alternative option.
If I could give zero stars, I would.
Product: Commerce Bank Personal Loans
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Commerce Bank
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1 Star Rating
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!
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!
Product: Commerce Bank Checking
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Commerce Bank
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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.
Product: Commerce Bank Checking
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Commerce Bank
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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.
Product: Commerce Bank Checking
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Commerce Bank
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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.
Product: Commerce Bank Credit Cards
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Commerce Bank
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1 Star Rating
Verified CustomerI 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.
Product: Commerce Bank Credit Cards
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Commerce Bank
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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.
Product: Commerce Bank Checking
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Commerce Bank
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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.
Product: Commerce Bank Checking
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Commerce Bank
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1 Star Rating
Verified CustomerShady 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.
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Commerce Bank
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1 Star Rating
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.
Product: Commerce Bank Checking
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Commerce Bank
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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
Product: Commerce Bank Checking
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Commerce Bank
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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.
Product: Commerce Bank Checking
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Commerce Bank Offers
Commerce Bank Q&A(22 questions)
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.
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4
UpvotesWhat's the Commerce Bank routing number?
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Lisa Cahill
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.
0
UpvotesHow do I redeem my Commerce Bank rewards?
Reply
Christie Matherne
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.
How To Redeem Commerce Bank Rewards Online
- Visit commercebank.com/cardaccess.
- Log in to your rewards account using your credentials.
- Browse the available redemption options.
- Select your desired reward and follow the prompts to complete the redemption process.
Commerce...
0
UpvotesDoes Commerce Bank use Zelle?
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Ramses Delgado
Yes, Commerce Bank does have Zelle. It's available for free with your Commerce Bank Commerce Free Checking, or Commerce Bank Small Business Options Checking.
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.
Also, you...
0
UpvotesHow can I talk to Commerce Bank customer service?
Reply
Maria Adams
To talk to Commerce Bank customer service, call 855-659-1656 and then follow the prompts. This process will get you in contact with a live Commerce Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Commerce Bank Customer Service by Phone
- Call the Commerce Bank customer service department at 855-659-1656.
- Follow the prompts.
- Speak to the live representative.
...
0
UpvotesWhat are the Commerce Bank credit score requirements?
Reply
Chip Lupo
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.
Credit Score Recommended by Commerce Bank Card
- Commerce Bank Secured Credit Card: 300 (Bad credit) ...
4
UpvotesHow do I check my University of South Alabama Credit Card application status?
Reply
Cameron Dorr
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!
2
Upvotes
0
UpvotesDoes Commerce Bank customer service work on holidays?
Reply
Ramses Delgado
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.
You can check the best checking accounts available to...
0
UpvotesHow do I apply for Commerce Bank Business Platinum Card?
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John Miller
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. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Commerce Bank Business Platinum Credit Card is available to people with excellent credit, which means you need a 750+ credit score for high approval odds. You can check your credit score for free here on WalletHub.
How to Apply for...
0
UpvotesHow can I check my Commerce Bank points balance?
Reply
Dan Whitmer
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...
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