Commerce Bank & Trust, originally known as Commerce State Bank, was officially chartered by the State Banking Department on August 4, 1959. Helping their customers with all their financial needs and leading the way in innovation and responsiveness remains at the core of their mission. This way of doing business, the CoreFirst Way, sets... show more
CoreFirst Bank & Trust Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/13/2020.
4.2
164 reviews
from WalletHub and across the web
164 reviews from WalletHub and across the web
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CoreFirst Bank & Trust
barbj2500 @barbj2500
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1 Star Rating
We have banked at Core for over 20 years. Over the last year, the bank has had so many changes and turnover, I believe they forgot what customer service was all about. The teller we had was rude, the personal checking manager was rude and couldn't answer simple questions about our account, and when ordering a debit card because we had one that was damaged, they lost the new card 4 days before Christmas. After all the frustration we went through, we voiced we would be closing our account. Instead of doing the right thing responding in this manner; "wait a minute...would you like to talk with someone about your account and voice your frustration?" The girl just shrugged her shoulders and didn't say anything. So our monies literally mean nothing. Message loud and clear. Wake up Core...you are not the only game in town. The sooner you realize your customer service needs help, all of your old customers will be moving on and telling everyone about their personal experiences.
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Product: CoreFirst Bank & Trust Checking
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CoreFirst Bank & Trust
TJ Messina @TJTopeka
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5 Star Rating
I have had CoreFirst's Relationship Banking account for several years now. I use them for my investments and home mortgage which qualifies me for the account. I really like the ATM refunds and the convenience of their branch locations. I also like their internet banking. It can be a little slow at times but I pretty much only use my phone because I only have access to a desktop at work. I like that I can do everything on my phone with there internet banking.
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CoreFirst Bank & Trust
TJ Messina @TJTopeka
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5 Star Rating
I just got the new CoreCard Visa that CoreFirst is offering. I have only had it a couple of days but I am pretty happy with it. I used it to consolidate my other credit cards. I have no interest on my balance transfer for 16 months and no balance transfer fee. I think this will end up saving me a lot of money.
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Product: CoreFirst Bank & Trust Credit Cards
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CoreFirst Bank & Trust
Joe Weider @joe_weider
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4 Star Rating
While CoreFirst sure sounds like something a physical trainer would tell you, it’s actually a bank and we need to see what the CoreFirst Bank & Trust Visa Platinum Credit Card has to offer and whether or not it’d be worth applying for. Starting with rewards, the CoreFirst Visa Platinum Card doesn’t actually have any, which means it’s interest rates better explain the excellent credit it requires for approval or getting it would just be a waste. Well, the CoreTrust Platinum Credit Card only offers 1.9% introductory APRs on purchases and balance transfers in addition to its regular 9.25% interest rate. The intro rates are nothing special but the regular rates are among the lowest out there. That means the CoreFirst Visa Platinum Card is actually a decent option for people who occasionally find themselves with credit card balances. If you always pay your bill in full, your interest rate is immaterial and you should really focus on rewards. If you routinely do not pay you bill in full, you’d want a 0% credit card.
You might’ve noticed that I said the CoreFirst Bank & Trust Platinum Card’s regular interest rate was “among the lowest out there.” You might therefore wonder what the other cards with low rates have to offer. Well, the PlatinumZero Secured Visa has a fixed 0% interest rate, which might sound good until you notice its $9.95 monthly fee. The Orchard Bank Secured Card has a 7.99% APR and no annual fee in the first year ($35 thereafter), but you may not want to sacrifice the liquidity required to get a secured card (minimum deposit of $200). That leaves you with the CoreFirst Bank & Trust Platinum Visa.
Get answers to your questions about CoreFirst Bank & Trust 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 CoreFirst Bank & Trust Visa Platinum Card interest rate is 10.00% (V) normally. However, new cardholders may be able to take advantage of 0% introductory APR promotions for purchases or balance transfers. The regular interest rate applies to any balance remaining when the promo rate expires.
CoreFirst Bank & Trust Visa Platinum Card Interest Rates
Regular APR:10.00% (V)
Intro APR:1.9% for 6 months on purchases and balance transfers. Balance transfers are subject to a fee of 3% (max $50).
Cash Advance APR:19.65% (V)
Keep in mind that as long as you pay your balance in full by your due date each month, you normally won't owe any interest. Cash advances are an exception. They have a separate APR and start accruing interest as soon as you make them. Balance transfers also don't benefit from your card's grace period (though you can avoid interest if you have a 0% APR promotion).
The CoreFirst Bank & Trust Visa Platinum Card credit score requirement is 750 or higher. That means people with excellent credit may have a decent shot at getting approved for the CoreFirst Bank & Trust Visa Platinum Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the CoreFirst Bank & Trust Visa Platinum Card. Some other key criteria include your income, existing debt load,...
No, you cannot get the CoreFirst Bank & Trust Visa Platinum Card with a co-signer. However, you can apply for the card with a joint account holder. The key difference between the two is that a co-signer agrees to take responsibility for the debt if you fail to pay, but they do not have access to the credit line. On the other hand, a joint applicant shares equal responsibility for repaying the debt and also has access to the credit line.
Please note that the CoreFirst Bank & Trust Visa Platinum Card has a 2% foreign transaction fee, which means that you'll be charged an extra 2% for each purchase made outside of the United States.
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