Overall Rating

C
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Commerce Bank Report Card

Overall rating score 31%
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Commerce Bank Customer Review

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seriousmoney's Profile Image

1 out of 5 marks

Reviewed by seriousmoney

Feb 6th 2012

Horrible!!!! The Absolute Worst Bank I Have Ever Used!!!!!

Where to start? I always use the blue hills branch, because that is where my employer banks. I have actually sat in the drive-up alone for 22 minutes while being ignored. As of today, i have four days worth of checks and deposits sitting in my account, "pending" - that no one can take the time to key into the system. The tellers are the ultimate in rude - they don't even speak when you send a deposit through the drive-up - not a hello, a thank you - nothing. I also have a savings account, from which they are supposed to draw in the event i overdraw my checking account. Can't do that aright either. I'm changing banks asap!!!!!!!

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Other Commerce Bank Reviews

AntoineKrieger's Profile Image

Reviewed by AntoineKrieger

Apr 1st 2014

2 out of 5 marks

Opaque policies

Hi,

I have been a customer of CommerceBank for 8 years. Recently, they started putting holds in my credit card payments every month, for no obvious reason. I found myself in the absurd position to be out of money when I do make payments on time (and far more than the minimum required).

When I asked them about that, they had the nerve to tell me that it was all electronic and that they could do nothing about it.

I am looking forward to get another credit card so as not to depend on this Kremlin-like bank.

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Richardhill2648's Profile Image

Reviewed by Richardhill2648

Apr 18th 2012

2 out of 5 marks

Had Enough!!!

I have been with this bank since the early 1990's. I have had positive experiences from my local branches (South STL MO) and negative experiences with Commerce Bank. The local tellers are wonderful but Commerce removed the local branches phone numbers from their website so you pretty much have to deal with the main customer service line which is of poor quality.

LESSONS LEARNED

1) If you close an account, get it in writing. You will have to close your account at least three times. It seems the bank does this on purpose in order to charge a fee for zeroing out the balance. I used to have multiple accounts; I closed two of them at different times and got charged a fee both times. I had the local account rep sign each time I closed the same account. It took 3 times to fully close both accounts (My mother and brother had the same experience).

2) Debate your over draft fee’s. I had a bill got out (via Billpay) that wasn’t going to be cashed for another week. My Available balance went negative even though the check was never cashed (actual balance was positive). Commerce charged me an overdraft protection fee. (I never signed up for overdraft protection and they did not have my permission to charge it). So I debated it and got it erased.

COMPLAINTS

Online Billpay was updated Jan 2012. The new version is very poorly executed. The Pending Payments section was reorganized so the payments coming due in the near term are at the top and payments further out in the future are on the bottom. (This is reversed from the way that almost all other banks have their Pending section setup). What it means is that you have to scroll up and down the screen in order to see what has been paid and what will soon to be paid. This single update has now caused me to start searching for another bank as it cannot be changed on the customers end nor on the customer service reps end. Turned what was once a great system into a frustrating experience. IT IS ABSOLUTELY HORRIFIC!!!

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