Using your mySpending Card™

The mySpending Card™ is easy to activate, load and manage with Text Alerts.* Follow these simple steps to get up and running in no time!

Activate your Card

  • Please sign the back of your Card immediately; by signing the back of your Card, activiating, loading, or using your Card, you agree to the Cardholder Agreement
  • Go to the mySpending Card™ website at commercebank.com/mySpendingcard and click "Activate My Card"
  • Create your username and password
    • Your username must be 6-16 characters
    • If you purchased your Card in a branch, your initial password will be the 3-digit security code on the back of your Card; you will be asked to create a new password
    • If you purchased your Card via the mySpending Card; website, use the password you chose when you purchased the Card
    • Choose your PIN for ATM access and PIN-based purchases
    • To activate by phone, call 1-888-373-2883. Your initial password will be the 3-digit security code on the back of your Card

Set up Text Alerts*

  • Sign in to your mySpending Card account at the mySpending Card; website
  • Click "Alert Settings," enter the mobile phone number at which you want to receive Text Alerts, and choose "Continue"
  • You will see a Confirmation Page which lets you know that we have sent a text with your Validation Code to your mobile phone number. Choose "Continue" and you will be taken to the Alert Settings page
  • Your mobile phone will receive a text message Validation Code from the number "288472." Enter the Validation Code from the text on the Alert Settings page and choose "Verify/Send New Code" in the middle of the page
  • On the Verify Text Message Validation Code page, enter your Validation Code again and choose "Submit." Youíll receive a confirmation text on your mobile phone
  • Should you have any problems, call the customer service number on the back of your Card

Load your Card

  • In the Commerce Bank teller line with cash, cash equivalents**, Commerce Bank checks or by transferring funds from your Commerce checking, savings or money market account
  • Via the mySpending Card website using a Commerce Bank debit or credit card
    • First, sign in to your mySpending Card account at the mySpending Card; website, select Load Card and Manage Funding Accounts. Add a funding account (Primary Funding Source). This must be a Commerce debit or credit card
  • By phone
    • Once you have established a Primary Funding Source, you may load your Card by phone
  • In Online Banking or Mobile Banking by transferring funds from your Commerce checking, savings or money market account to your mySpending Card
  • With Direct Deposit, by completing the Direct Deposit Form attached to your card carrier, or you may obtain a form online on the Account Summary Page or from any Commerce Bank teller. Complete the form and give it to your employer

Disclosures:

  • 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.
  • Checks drawn on Commerce Bank, travelers checks, and other instruments that can be cashed at the teller window.
  • Additional terms and conditions apply. Please see the Cardholder Agreement for complete details.
  • 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.