Order Now

Order Online >

mySpending Card®

mySpending Card™

The mySpending Card® is a reloadable prepaid Visa® card that can help you manage your money. Just load it with the amount you need, then use it for online shopping, your child's allowance, holiday spending or to keep your spending money separate from your checking account. Use it anywhere Visa debit cards are accepted.

It's the convenient way to manage your money and it's easy to load and easy to use!

Applying is easy! Purchase online with a Commerce debit or credit card, or get your card instantly1 at a participating nearest Commerce Bank Branch.

Card Purchase Fee
  • $5.95 (additional $2.00 per Secondary/Additional Card)
Min. Opening Load
  • $20
Monthly Service Charge
  • $0
Load Options
  • Sign up for Direct Deposit of your paycheck, government benefits or other income sources
  • Use the secure website, the phone2 or visit any Commerce Bank branch
  • Make a transfer from a Commerce Bank checking or savings account using Online Banking or Mobile Banking
  • If you do not have a Commerce checking or savings account: Use the Ingo Money app3 to load approved checks using your mobile device. Download the free app on Google Play™ or from the Apple® App StoreSM.
Load and Balance Limits
  • Minimum load amount: $20, unless funds are loaded by direct deposit or other ACH transaction4
  • Maximum load amount: $1,500 per day/$3,000 per rolling 7-day period, unless funds are loaded by direct deposit or other ACH transaction4
  • Maximum Card balance: $3,000, unless funds are loaded by direct deposit or other ACH transaction4
Spending and Withdrawal Limits
  • Maximum spending limit: $3,000 per day/$10,000 per month
  • Maximum cash withdrawal limit: $1,000 per day/$1,500 per rolling 7- day period
ATM
  • Unlimited Commerce ATM transactions
Online Services
  • Online account access to Card account information and transaction history
  • Balance updates via text alerts - 100 free per month5
Additional Features
  • Visa Zero Liability protection if your Card is lost or stolen6
  • FDIC Insured7
  • Automated phone service - 1 call per week at no charge; $.50 per call thereafter
  • Live customer service - First 5 calls per calendar year at no charge; $1.50 per call thereafter
Statement Options
  • E-Statement - Free
  • Paper Statement - $3 per month

Disclosures:

Please refer to the mySpending Card® Fee Schedule for more information.

1 Instant issue of a mySpending Card® is limited to primary cardholders. Secondary cards available for pick up at the branch after 2 p.m. the next day. Online purchases must be issued to customer via U.S. mail.
2 Automated Phone Service Call Fee may apply if loading Card via phone.
3 This service is provided by Ingo Money, Inc. and First Century Bank, N.A., subject to the Ingo Money and First Century Bank Terms and Conditions, and Privacy Policy. All checks subject to review for approval. Fees and data rates may apply.
4 ACH transactions can include, but are not limited to, direct deposit of payroll, government benefits and tax refunds.
5 First 100 texts per month at no charge, then $0.15 per text. Standard text rates/web access charges from your wireless phone provider may apply; see your wireless phone provider for details.
6 The Visa Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify Commerce immediately of any unauthorized use.
7 The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.