Commerce Bank Online Banking Login

Commerce Bank offers personal and business banking services. Headquarters in Texas and founded in 1865, the bank operates as a subsidiary of IBC Subsidiary Corporation.

Commerce Bank is among many banks that are offering internet banking services to enable customers to gain access to their bank accounts via the internet. To access these services, all you need to do is visit the bank’s website and enroll. If you are interested, follow this guide to learn how you can login, reset your password and enroll.

How to login

You can login into your online account anytime to access your Commerce Bank account. You will of course need your login ID and password to access your online account. Follow these simple steps to login:

Step 1-Open in your web browser

Step 2-Enter your customer ID and click “login”


Step 3-Enter your password and click “login”


Forgot your password?

If you’ve forgotten your password, you can reset it so that access your online account again. Commerce Bank must verify that you are an account holder with the bank and you can only do so by providing your login ID when resetting the password. Here are the steps you need to follow:

Step 1-Go to the homepage and enter your user ID to access the password page

Step 2-Click “forgot your password?”


Step 3-Enter you customer ID, last 4 digits of your social security number, last 4 digits of your credit card number and 3-digit security code and click “continue”


How to enroll

Creating an account to access the internet banking services offered by Commerce Bank is easy as long as you have an account with the bank. Once you have created the account, you can login anytime to access your bank account. Follow these steps:

Step 1-Go to the homepage and click “active online banking”


Step 2-Click “activate now”


Step 3-Read the terms and conditions and click “accept”


Step 4-Choose your account type


Step 5-Fill in all the required details


Manage your Commerce Bank online account

After setting up an online account with Commerce Bank, you will enjoy the following advantages:

  • Online customer support
  • Safe and secure platform
  • Check your account balance
  • Apply for loans
  • Get transaction alerts
  • Apply for loans

Commerce Bank Review

Commerce Bank was founded in Francis Reid Long in 1865 as Kansas City Savings Association with a capital of only $10,000. In 1881, the bank was acquired and became the National Bank of Commerce. Eventually, in the year 1903, it became Commerce Bank. Commerce Bank is the largest and oldest bank in Kansas City. It ranks No. 48 in the list of the largest holding company in the U.S. as reported by Federal Reserve Bank.


As mentioned above, Commerce bank is one of the largest and oldest banks in the United States. It provides a range of banking services and products. In this post, we will be looking at some of the benefits of having an account with the bank:

  • Checking accounts

Commerce Banks offers banking solutions for individuals, commercial, small business and wealth management uses. The banking services offered to these clients usually vary; however, some bonuses and basic features apply across the board.

One of the main draws to the bank’s platform is the fact that there are several personalized checking accounts. First, let us look at the different types of checking accounts that are designed to make banking easier and straightforward. The different checking account options include:

Interest checking-The interest paid for this account requires $100 to open a minimum of $1,000. Customers are also required to pay a monthly service charge of $10. CommerceOptions Plus: $5,000 in deposits, no commerce fee 3 times per month on all non-commerce ATMs, $12 monthly service fee and interest paid.

CommerceOptions Premium-This account requires $100 to open, but a combined $20,000 in deposits and loans so as to meet the minimum balance to avoid a service fee of $20.

MyDirect Checkings-This account does not require minimum balance but you will need to pay $10 to open. Although there is no service charge, there is certainly an interest paid.

MyDirect Stucdent Checking-This account requires $100 to open but doesn’t require minimum balance and no service fee as well. No interest is also paid.

Customer Accounts-You can build your own checking account and get direct deposit service as well as debit card

  • Financing opportunities

The bank offers a range of financing opportunities to people looking to make major purchases. The bank’s loan capabilities are tailored and flexible to the customer’s financial needs. Whether it’s financing a dream or education, the bank may have the solution for you. Here are a few loans offered by the bank: Auto loan, education expenses, home mortgage loans, vehicle refinance, personal loans, life event loans and home remodel loan

  • Mobile banking

The mobile banking services offered by the bank allow its customers to manage their finances from anywhere by simply downloading the app on any Android or Apply device. With the mobile banking app, customers are able to view their account balances, transfer money between accounts, deposit checks, search for locations, make bill payments and view recent transaction activity.


Despite being one of the most trusted banks in the United States, Commerce Bank has its own downsides, which customers need to know about. This will help to make a decision whether to choose the bank or not:

  • Limited locations

One of the major drawbacks of Commerce Bank is its service area. Those that don’t live in one of those states they operate will certainly not be able to get the banking services offered by Commerce Bank. Here is a list of states that are covered by the bank: Texas, Colorado, Tennessee, Illinois, Oklahoma, Kansas, Ohio and Missouri.

  • Service charges

Monthly service charges usually apply to most savings and checking accounts with the bank. Although these fees can be waived, customers are required to meet certain stipulations. In the event that these requirements are not fulfilled, the charged apply event month.


Commerce Bank continues to provide its customers with quality banking services to individuals and businesses within their range of operation. The banking solutions offered by the bank help people to manage and save their money. If you are considering opening an account with Commerce Bank, then you should expect the following:

  • A range of Savings and checking options
  • Wide range of loan solutions’
  • Limited availability
  • Products for individual and business use
  • Monthly service charges applies to certain accounts