Commerce Bank
I have no complaints necessarily. It would be nice if there was a sign-up bonus like there are on a lot of other cards, but at least there's the miles rewards.
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Product: Commerce Bank Credit Cards
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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. They continue to build relationships based on trust, sustained performance and a commitment to the health and vitality of the community.
As of June 30, 2020, Commerce Bank is the 47th largest U.S. bank based on asset size, with $30.5 billion in assets and $53.6 billion in total Trust Assets.
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 01/15/2021.
3.9
3,579 reviews
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Commerce Bank
This is the worst bank ever. They do not even worth a 1 star. Do everything you can to avoid banking with them. There are other banks with better offers. I used them in 2014-2016 and finally opt out of their service in 2016. I came back in 2020 with the hope that they have change and improve their ways after they sent me several mails encouraging to return banking with them. Well, I decided to give them another shot and my experience this time around was the worst ever that I have experienced in my history of banking. I opened the account in November, they wanted me to send two things to them 1. A completed form, 2. a cheque to make initial deposit. This is strange because every other bank I use completes every application online. Well, I went ahead and mailed those documents to them using certified mail. The mail was delivered based on tracking. I did not see any progress in the sense until after 3 weeks when they told me that they received my request and nothing to be done on my side at the moment, the cheque was processed and deposited online and they will hold my account for 7 more days before they will mail my debit card. I waited two weeks, nothing from them. I called their customer care, wasted about 1 hr 30 min waiting online, call being transferred here and there until someone spoke to me and told me that I should go to their nearest commerce bank to request for my debit card. This is like a joke to me. Anyway, I decided to go to the nearest commerce bank to request for my debit card. I had to use the drive-through because of the pandemic. I explained to them and the lady took my driver's license and make me wait 1hr 15 minutes only to come back and tell me that she will not be able to print my debit card because I need to complete another form. What the heck! Anyway, This is just so much stress to open an account, now to get a debit card to use my money. Anyway, I left the bank very angry. Why will they have to make me wait so long in the drive-through just to come back to tell me that I need to fill a form and provide my passport. I was just so tired and I want to close the account and get my money back. Guess what? I called the customer care and they say that I have to bring my account down to zero. But how can I do that when you did not even provide me a debit card or cheque. I told her that this was the reason why I want to close the account because they do not provide me a debit card and they will have to close the account and mail me a cheque with my balance in the mail. She said if they will have to do that, that they will charge me $8.00. Really? This is the worst bank EVER!!!!!! STAY AWAY PEOPLE and find better banks that will treat you well for your money.
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Product: Commerce Bank Checking
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Commerce Bank
No easy way to make payments. Charge a fee to pay by phone or online. Their rep said the website seldom works. Good interest rate, but aggravating
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Product: Commerce Bank Personal Loans
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Commerce Bank
Commerce Bank totally failed us. My mother in law had a CD that was to be renewed automatically. The last correspondence was March 2019. Without any notification in 2020, they did not renew the CD and sent the account, a large sum of money, to the state of Illinois. The only way we found out about the transfer of money as property of the state was a letter from Found Money State of Il. Several calls to Commerce Bank gave no results or help at all. Although this was totally the fault of Commerce Bank, they refused to help with the paperwork or even to notarize the forms after they were signed. We connected with PNC Bank told them of the situation. They were more than helpful, checked all the paperwork and notarized the appropriate forms.
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Product: Commerce Bank CDs
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Commerce Bank
I just got this card so this is a review of so far. They are quick to process. The signing bonus was quickly applied to my account
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Product: Commerce Bank Credit Cards
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Commerce Bank
I got a 0% APR $0 balance transfer fee offer that I took. Everything was approved. But now they claim no transfer request was received. I gave all the information but useless. Their customer service SUCKS!
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Product: Commerce Bank Credit Cards
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Commerce Bank
I’ve been with commerce bank since 1970. They used to be a great bank but they have seriously deteriorated! I’ve been lied to and transferred to supervisors and managers and no one returns my calls. I just want a paper statement and no banking on line.
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Commerce Bank
Commerce failed to remove a “hold” placed on my card. I called Commerce (long wait time) and the rep mistakenly blamed it on the other company. I called the other company (more wait time) and they stated that the error was made by Commerce and that the hold should’ve been removed a week earlier. I called Commerce again (even more wait time) ... only to be blindly transferred to another rep for additional wait time. Happy to finally have a live person that could possibly help me, I was greeted by the rudest phone rep that I’ve ever had the misfortune to deal with. All this after over 2 hrs wasted on the phone.
The rep was condescending and arrogant for no reason. All I wanted was the hold removed. He wanted to control the conversation and not listen to anything that I had to say. So he talked over me and ignored the relevant information that I tried to offer.This went on for sometime and the issue was never resolved. I’ll be closing my accounts after this experience. Commerce has lost a loyal customer after 20+ years. I’ll be sure and tell my new bank to send a thank you note to the obnoxious phone rep. Without him, they never would have got my business. I will also continue to write negative reviews so that others can avoid this type of poor treatment.
The rep was condescending and arrogant for no reason. All I wanted was the hold removed. He wanted to control the conversation and not listen to anything that I had to say. So he talked over me and ignored the relevant information that I tried to offer.This went on for sometime and the issue was never resolved. I’ll be closing my accounts after this experience. Commerce has lost a loyal customer after 20+ years. I’ll be sure and tell my new bank to send a thank you note to the obnoxious phone rep. Without him, they never would have got my business. I will also continue to write negative reviews so that others can avoid this type of poor treatment.
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Product: Commerce Bank Credit Cards
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Commerce Bank
They reduced my credit limit when I had a clean, on-time credit history during COVID time. In fact other banks gave me incentives of lower APR and a loan too same time so obviously my credit record was decent. But Commerce Bank decided to drop my credit limit and when I complained to consumer finance org about their shaddy practice they immediately dropped my credit limit again by approx 250 (the last payment I did) to make my available credit as 0, and sent me a letter in response to my complain that its in their terms to reduce credit as they want & they will not restore it. Obviously because of my complain somone's ego at the bank got hurt so they started acting like a child. Do NOT use this bank. Similar complains like this on other sites for Commerce Bank. Many other banks exist who are consumer friendly. Boycott Commerce Bank! I will dump this bank as soon as I pay off my credit card.
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Product: Commerce Bank Credit Cards
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Commerce Bank
I opened commerce relationship account and having made 10 purchases in 3mnths was to receive $750. they lied and closed my account
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Product: Commerce Bank Checking
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+5944 users submitted a rating without writing a full review
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Commerce Bank Offers
Commerce Bank Q&A (7 questions)
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How do I redeem my Commerce Bank rewards?
0
UpvotesReply
Christie Matherne
@christie_matherne
Commerce Bank rewards can be redeemed online or by calling the Commerce Bank Rewards Service Center at 800-350-7193. Commerce Bank credit cards give rewards points for purchases, despite being called “cash back” cards.
You can redeem Commerce Bank credit card points for cash back (which is always issued as a statement credit), airline tickets, gift cards, fuel discounts, or merchandise. But all Commerce Bank rewards points expire 3 years after you earn them, so it's important to use them periodically. There are a few other restrictions worth noting, too.
Commerce Bank Rewards Redemption Options:
Cash Back: Minimum of 1,665 points needed to redeem. Available as a statement credit only.
Airline Tickets: If you plan to use points, you have to redeem at least 10,000 points per ticket. If your ticket is worth less than 10,000 points, you won't be refunded those points.
Airfare must be purchased through the Commerce Bank Rewards Service Center, either online or over the phone. There's no fee if you book online, but expect to pay a $40 fee for booking over the phone.
You can use points, cash, or a combination to pay. Tickets are non-refundable and can't be altered.
Gift Cards: Redeem your points for gift cards from retailers like Amazon, Bath & Body Works, AMC Theatres, Chili's and more.
Fuel Discounts: Use your Commerce Bank credit card at a participating BP location to redeem 2,000 points for a 50-cents-per-gallon discount on up to 20 gallons of fuel. But if you pump less than 20 gallons of fuel, you still use all 2,000 points.
To find eligible BP locations, search the BP Station Finder by zip code, and filter by “BPme Rewards Accepted.”
This information is accurate as of the day this answer was posted.
What are the Commerce Bank credit card credit score requirements?
0
UpvotesReply
WalletHub
@WalletHub
Most Commerce Bank credit cards are designed for people with good or excellent credit. An exception to that is the Commerce Bank Secured, which is meant for people with bad credit looking to rebuild it.
You can find a comparison of Commerce Bank credit cards here. If you're not sure which one you'd qualify for, you can check your latest credit score for free on WalletHub.
What's the Commerce Bank routing number?
4
UpvotesReply
Lisa Cahill
@lisacahill
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.
How do I check my University of South Alabama Credit Card application status?
4
UpvotesReply
Cameron Dorr
@viperguns
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!
How much are Commerce Bank points worth?
0
UpvotesReply
WalletHub
@WalletHub
Commerce Bank points are worth 1 cent per point, on average.
Commerce Bank Points Value by Redemption Method
|
Redemption Method |
Average Point Value |
Value of 1,000 Points |
|
Travel |
N/A |
N/A |
|
Cash Back |
1 cent |
$10.00 |
|
Gift Cards |
N/A |
N/A |