ENHANCED ONLINE BANKING SERVICE NOW AVAILABLE TO COMMERCE BANK CUSTOMERS

Added benefits include improved navigation, additional transfer capabilities and E-Bill service

ST. LOUIS - November 13, 2002 - Commerce Bank today announced that it has successfully upgraded its Online Banking platform, which is powered by Corillian Corporation (NASDAQ: CORI). The enhanced service at www.commercebank.com makes Online Banking more flexible and easier to use. Corillian's Voyager platform enabled Commerce to successfully migrate all existing features and offer enhanced functionality and services to Commerce's growing number of Online Banking customers.

Added benefits now available to Commerce customers include improved navigation, additional transfer capabilities and E-Bill service, which can deliver electronic bills directly to a customer's Online Bill Pay account. This Online Bill Pay enhancement makes the payment process even easier. Commerce customers now can receive bills electronically from participating payees, review bills online (or print them), and then schedule payments at a future date - all in one online session.

Commerce customers will now have access to real-time balance information; transaction history; the ability to transfer money between deposit accounts; as well as seamless integration with financial management software.

"At Commerce, we are continually asking and listening to what our customers needs are and one of the recurring themes is convenience. Recognizing and trying to solve that need, Commerce Bank enhanced and expanded its Online Banking offering," said Cynthia Tetrault, assistant vice president, manager of Online Banking for Commerce.

Tetrault added, "We believe this solution - with its increased capacity and reliability - is a competitive offering that serves the voiced needs of our customers today and will be an investment we can leverage to serve the future needs of our customers.

"Commerce continues its progressive approach toward technology, making investments that benefit the company as a whole, while delivering value and convenience to our customers," Tetrault concluded.

"We are excited to provide these new services to Commerce Bank and its customers," said Alex Hart, president and CEO of Corillian Corporation. "Commerce Bank is taking the lead in providing ultimate convenience and reliability to its customers using Online Banking services and we look forward to continuing to provide cutting-edge services through the Corillian Voyager platform to Commerce Bank."

Commerce Online Banking Key Features
By embracing today's technological developments, Commerce customers can decrease time spent on many banking tasks previously done in person.

About Commerce Bank, N.A.
Commerce Bank is the principal subsidiary of Commerce Bancshares Inc. (NASDAQ: CBSH), a $13.2 billion regional bank holding company. For more than 135 years, Commerce has been meeting the financial services needs of individuals and businesses. Commerce provides a diversified line of financial services, including business and personal banking, wealth management and estate planning and investments through its affiliated companies. Commerce Bancshares operates across three states with more than 340 locations and also has operating subsidiaries involved in mortgage banking, credit related insurance, venture capital and real estate activities.

For more information contact:
Eliza Hamlet
Public Relations Representative
800-892-7100 ext. 1930

Website: www.commercebank.com
e-mail: mymoney@commercebank.com
SYMBOL: CBSH

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