A mixed bag with Commerce. Bank personnel are friendly and nice enough to keep me coming back. I was even contacted by a branch manager shortly after opening my account online - very nice touch. If I were an old-school customer this would be great, but I'm decidedly new-wave, high-tech, so online banking is where I am.
Bank policies aren't that different than other brick-and-mortar banks in my area - they require a minimum balance for savings accounts or ding you with a service fee, thus I do not have and will never get a savings account with Commerce. However they do have free checking that does not require a minimum balance (it does require direct deposit, but unlike Bank of America, doesn't require a minimum monthly deposit). Like most banks, Commerce offers the option to allow them to deny payment if I attempt to purchase something that costs more than my bank balance. That's great, but only applies to ATM purchases. Not a big deal for me, since Commerce isn't my primary bank, I rarely use my ATM card. But still..
Online practices and policies aren't that different than any other bank. For starters, the ATM issue I just mentioned oddly doesn't apply to online payments. In other words, if I have auto-pay set and do not have enough cash at the time the payment is scheduled to transmit, Commerce will just let the payment go through. That defeats the big advantage of online banking. My primary bank - ING Direct - doesn't do that. If no money is in the bank they don't send payment. I wish Commerce would deny payments and asked them to do so or if there was some program I can enroll in to make that happen. They "can't do that" is what I was told.
As for the online experience, again, nothing that stands out - except for the fact they obviously are using some kind of commercially available template - I found a number of banks that have the exact same layout as Commerce - albeit with different colors. The recent enhancements are good, but still lags behind ING Direct, Ally B
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
They don't listen. They take money out of the wrong accounts. They don't know how to properly identify five dollar bills. Took forty dollars out of my deposit claiming they were fake. Teller couldn't see well enough to identify bills.