About Commerce Bank

Commerce Bank, N.A. is a subsidiary of Commerce Bancshares, Inc. (NASDAQ: CBSH), a $16.8 billion regional bank holding company. For more than 140 years, Commerce Bank has been meeting the financial services needs of individuals and businesses.
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Overall Rating

MyBankTracker rated Commerce Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

C+

MyBankTracker Rating

Customer Rating
Based on 60 Reviews
Financial Health
Based on Texas Ratio: 3.57
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Banking
Quality of Mobile Services

Locations & Hours

Commerce Bank Location Map
Commerce Bank Location Map
We found branches close to you and 207 nationwide.
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Most Helpful Customer Reviews

dweddum's Profile Image

Reviewed by dweddum

Jan 27th 2015

5 out of 5 marks

Talk About Great Customer Service!!

For those of you that can only complain about commerce bank, maybe the next time you're in the neighborhood of lansing, kansas, you need to stop at the branch location located next to woody's express. Jennifer, jeff, and jessica know what the definition of customer service is!! I've been in the banking/financial services for over 39 years, seen my share of good and bad employees. But at the lansing location, you not only have very competent people to handle your financial needs, but they also have a great personality and treat you like you're their top customer. So here's to the commerce bank lansing branch - people doing it right!! Dww

Is this review helpful? ▲ Yes 1 ▼ No 0

Tammy's Profile Image

Reviewed by Tammy

Feb 28th 2014

5 out of 5 marks

Excellent

I go to a lot of branches for this bank, I have banked with Commerce for over 20yrs. These girls are so kind and I walk out of the office as a name not an account,

Is this review helpful? ▲ Yes 1 ▼ No 2

Amm2013's Profile Image

Reviewed by Amm2013

Mar 23rd 2013

4 out of 5 marks

Great Bank!

I love banking at Commerce and I have been doing so since 2008. I have read the other comments out there and although I do agree that the people who work the phones need a few lessons in customer service, I don't agree with half of the reviews on here. You have to understand a few things about banking before you can post something negative about a bank policies. For one thing, banks don't make money off your deposits, they make money off of loan interest and service fees. So when you threaten to move your account somewhere else, which is something I'm sure they hear all the time from people who just want something for nothing it doesn't threaten the bank's profitability. Also, Commerce Bank is an extremely conservative lender. That is why when the economy fell to pieces, Commerce was able to stand strong. They did not take any tarp funds and they actually gave money to local banks so that they did not go under. This is all public news you can look up btw. So even though you have been a customer forever, if you credit score is jacked up, Commerce will not lend to you at that particular time. They do have products that can help you improve your credit so maybe you should look into that. Another thing, when a certain president changed all of the banking regulations that allowed us all free checking.....that caused the banks to have to make up there revenue in different ways. Did you know that it actually costs the bank money to manage a completely free account? Who did you think pays for your debit card, checks and online banking when you have a completely free account? The bank does!!! And since when was a bank a free service gauranteed to citizens? Banks provide a service and people have no problem paying to get their hair cut or have someone plan a wedding for them but they don't feel they need to pay for their banking services? Besides, all commerce accounts have a way to be free, you just have to meet some very simple requirements.

Is this review helpful? ▲ Yes 1 ▼ No 2

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Interest Checking

0.01%

$0

$100

NAME RATE POINTS FEES
30 Year Fixed

0

N/A

15 Year Fixed

0

N/A

10 Year Fixed

0

N/A

20 Year Fixed

0

N/A

NAME RATE POINTS FEES
7/1 ARM

0

$0

5/1 ARM

0

N/A

Banking Fees

Type Fee National average
Monthly Inactivity

N/A

$7

Non-Sufficient Fund (Overdraft)

$35

$30

Stop Payment item

$30

$27

Return Deposit

$30

$13

Domestic Wire Transfer (Outbound)

$30

$22

Domestic Wire Transfer (Inbound)

$11

$9

Non-Bank ATM

$2

$1