ONLINE BANKING FREQUENTLY ASKED QUESTIONS

Getting Started

1. What can I do with Online Banking?
   
2. What are the two methods of access?
   
3. How do I enroll in Online Banking?
   
4. Can I enroll in Online Banking if I don't live in the United States?
   
5. Can I use any Internet Service Provider?
   
6. Do I need any special software for Online Banking?
   
7. Where can I review all of the details about Online Banking?
   
8. What if I have more questions or need additional assistance with my Online Banking?
   
9. How do I choose a secure Customer ID and password?
   
10. How do I change my Customer ID and password?
    
11. What are the fees for Online Banking?
    
12. When attempting to log in, I receive a message that cookies must be enabled. What do I need to do?
    

Privacy and Security

13. Does Commerce provide an Online Banking Guarantee?
    
14. What does Commerce do to help secure my information in Online Banking?

My Account Information

15. How is my financial information protected?
    
16. What kind of accounts can I view with Online Banking?
    
17. Can I access my Commerce Bank business accounts through Online Banking?
    
18. How frequently is my account information updated?
    
19. How will I know if my account balance is negative?
    
20. How do I change my Customer ID and/or Password?
    
21. How do I change my email or mailing address?
    
22. How do I get a copy of a check or statement?
    
23. How do I sign up for electronic statements or change my statement option?
    

Online Banking - Methods of Access

24. What are the two methods of access?
    
25. What do I need to be able to access Online Banking through the Internet?
    
26. What personal financial management software can I use with Online Banking?
    
27. I use PFM software to manage my personal finances. May I still use the free Online Account Access through the Internet?
    

Online Account Access

28. What accounts will I be able to access?
    
29. Can I access my Commerce Bank business accounts through Online Banking?
    
30. Are there limits to the types of transfers I can do with Online Account Access?
    
31. How much transaction history can I view online?
    
32. What time of day do transfers occur? When is the latest time I can change or cancel a transfer?
    
33. Can I transfer money to pay my Commerce Bank credit card or loan?
    
34. Is there a way to save my account information to my computer?
    
35. How can I add Online Bill Pay?
    

Online Bill Pay

36. What is Online Bill Pay?
    
37. How does Online Bill Pay work?
    
38. I'm new to Online Banking, how do I enroll in Online Bill Pay?
    
39. I'm already enrolled in the Online Account Access service, how do I enroll in Online Bill Pay?
    
40. Whom can I pay using Online Bill Pay?
    
41. From what types of accounts may I make payments?
    
42. When is the money withdrawn from my account for the bills that I pay online?
    
43. How long does it take for a payment to reach the recipient?
    
44. When can I schedule a payment?
    
45. Can I access my Online Bill Pay from any computer?
    
46. How much Online Bill Pay history can I view online?
    
47. What is the latest time I can make a change to or cancel a Scheduled Payment?
    
48. What do I need to do to make sure my bills are paid successfully through Online Bill Pay?
    
49. What are E-Bills and how do they work?
    

50. What is Online Banking through your Personal Financial Management (PFM) Software (Online Banking through PFM)?
    
51. Where can I use Online Banking through PFM?
    
52. Can I pay bills with Online Banking through PFM?
    
53. What is the cost for Online Banking through PFM?
    
54. If I use Online Banking through PFM, can I still use Online Banking through commercebank.com?
    
55. When I download transactions, will I get repeated data?
    
56. What happens if I upgrade my PFM Software?

Additional Assistance

57. How do I contact Commerce Bank to find out more about Online Banking or if I have a question about my account?
    
58. What if I need help with my Online Banking service?
    
59. How can I get a paper copy of the new Terms and Conditions?
    
60. What do I do if I have forgotten my password?
    
61. What are your customer service hours?
    

Getting Started

1. What can I do with Online Banking?
   Online Banking is the quick, easy, secure and smart way to manage your money. With Online Banking, you can:
   • Check your account balances and review your transactions
   • Confirm which checks, deposits, withdrawals and ATM transactions have cleared
   • Transfer funds between Commerce accounts
   • Keep track of your Commerce Credit Card transactions
   • Export your banking information to your personal financial management software, such as Quicken^® or Microsoft^® Money
   • Communicate with Commerce Bank Customer Service via secure email
   • Pay bills online – free with More Than Free, More Than Free Student, CommerceOptions Plus and CommerceOptions premium accounts, or $6.95/month for other accounts (for up to 20 payments each month; $.60 for additional payments)

2. What are the two methods of access?
   We offer Online Banking Services through www.commercebank.com and through your personal financial management software (PFM), including Quicken^® and Microsoft^® Money.

3. How do I enroll in Online Banking?
   Its easy! Just go to the "Enrollment" page and choose your preferred method of access. Then click either "Enroll Now" for Online Banking through the Internet or click "Download an Application" for Online Banking through Quicken or Money.

4. Can I enroll in Online Banking if I don't live in the United States?
   Yes. Commerce Bank checking account customers may enroll in Online Banking through the Internet regardless of their mailing address. Unfortunately, customers with a foreign address are not able to enroll in Online Bill Pay or Online Banking through Quicken or Money at this time.

5. Can I use any Internet Service Provider?
   Yes, you can access our Web site through almost any Internet Service Provider (ISP). If you are using America Online (AOL) as your ISP, we recommend that you use the AOL 8.0 or higher Internet Browser.

6. Do I need any special software for Online Banking?
   No. As long as you have access to a computer with Internet access and a browser that supports 128-bit encryption, you may do your banking with Commerce through the Internet.

7. Where can I review all of the details about Online Banking?
   Just click below or the link at the top of any page in the Online Banking section of our Web site to review or print the Online Banking Terms and Conditions. These Terms and Conditions contain many details about our Online Banking Services as well as information regarding important legal matters. If you would like a printed copy mailed to you, please contact Online Banking Customer Service by calling 1-800-986-2265 or by sending secure message from within Online Banking or through standard Internet email to mymoney@commercebank.com*.

8. What if I have more questions or need additional assistance with my Online Banking?
   Many of your questions can be answered by using the online "Help" feature. From within Online Banking, just click on the "Help" link, or click on the "Helpful Hints" link. You'll find information that's specific to the page you're viewing.

   If you can't find the answer here, you can call Online Banking Customer Service at 1-800-986-2265. This service is available: Monday through Friday 7:30 a.m. - 10:00 p.m. (CT) and Saturday 7:30 a.m. - 4 p.m. Or, you can ask your questions by sending a secure message from within Online Banking.

9. How do I choose a secure Customer ID and Password?
   For your protection, please keep in mind the following guidelines as you select a Customer ID or Password for Online Banking through the Internet :
   • Customer ID Requirements: Your Customer ID must be at least 6 characters, but not longer than 32. It should be a mixture of both letters and numbers. It may not contain the following characters: @ < > ? ' ". It is not case sensitive.
   • Password Requirements: Your Password must be at least 6 characters, but not longer than 32. It is case sensitive, and should contain a mixture of lower-case letters, upper-case letters, and at least one number. It may not contain the following characters: @ < > ? ' ".
   • Additional Password Recommendations: To increase the security of your Online Banking, your Password should not contain any four consecutive numbers of your social security number, phone number, or address. Also, it should not include any part of your name or initials. Finally, do not write down your Password or share it with others.

10. How do I change my Customer ID and Password?
    You may change your Customer ID or Password for Online Banking through the Internet by clicking "Change Customer ID" or "Change Password" under "Customer Service" and verifying your current Customer ID or Password and selecting a new Customer ID or Password.

    As you select a new Customer ID or Password please keep in mind the following guidelines:

    • Customer ID Requirements: Your Customer ID must be at least 6 characters, but not longer than 32. It should be a mixture of both letters and numbers. It may not contain the following characters: @ < > ? ' ". It is not case sensitive.
    • Password Requirements: Your Password must be at least 6 characters, but not longer than 32. It is case sensitive, and should contain a mixture of lower-case letters, upper-case letters, and at least one number. It may not contain the following characters: @ < > ? ' ".
    • Additional Password Recommendations: To increase the security of your Online Banking, your Password should not contain any four consecutive numbers of your social security number, phone number, or address. Also, it should not include any part of your name or initials. Finally, do not write down your Password or share it with others.

11. What are the fees for Online Banking?
    The fees for Online Banking are based on the method of access and the services you select. For additional details please see the Online Banking Terms and Conditions.

    	Through the Internet	Through Quicken or MS Money
    Online Account Access	FREE	Free with a CommerceOptions Plus or CommerceOptions Premium Checking Account. Other accounts: $3.00 per month for up to 8 online sessions; $.35 for each additional session.
    Online Bill Pay	FREE with More Than Free Checking, Student More Than Free Checking, CommerceOptions Plus and Premium and Benefits Banking Plus and Premium Accounts. Other accounts: $6.95 per month for up to 20 payments; $.35 for each additional payment.	Free with a CommerceOptions Plus or Premium Checking Account.* Other accounts (includes Online Banking Plus Online Bill Pay): $9.95 per month for up to 20 bill payments. Each additional payment is $.60. *One free Online Bill Pay account per CommerceOptions household.

12. When attempting to log in, I receive a message that cookies must be enabled. What do I need to do?
    Web sites store information in a small text file on your computer called a cookie. When attempting to log in, if you receive a message that cookies must be enabled, and you have verified that cookies are enabled in your browser settings, please check to be sure that the date displayed on your computer is today's date. If the date is incorrect, please adjust your computer settings to correct the date, and attempt to log in again (Instructions on changing your computer settings can be found in your computer's Help file).

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    Privacy and Security

13. Does Commerce offer an Online Banking Guarantee?
    Yes, our Online Banking Guarantee for personal accounts ensures that you will not be liable in the unlikely event of funds being removed from your account due to Online Banking, either through online theft of your account numbers or password, or by unauthorized removal of funds from your accounts through Online Banking. For complete details about your legal rights, please read carefully our Online Banking Terms and Conditions.

14. How does Commerce protect the security of my information?
    We employ industry-standard security practices to ensure that your account information remains private and secure. Our security measures include Secure Socket Layer (SSL) technology, 128-bit data encryption, multiple firewalls, and a password that's known only to you.

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    My Account Information

15. How is my financial information protected?
    Protecting the privacy and security of your confidential financial information is a top priority. Online Banking uses state-of-the-art security levels with end-to-end encryption. Like an ATM "PIN", your accounts are protected with a password which you should not write down or disclose to anyone. To gain a greater level of protection, we recommend changing your Password on a regular basis. Only you should know your private Password, so you can be confident that your data is secure. Your Password is NOT known to your Internet service provider or to Commerce Bank.

16. What kind of accounts can I view with Online Banking?
    You can get Online Account Access to your Commerce Bank Checking, Savings, and Money Market accounts, as well as your Commerce Bank Visa^® or MasterCard^® credit card accounts. If you are enrolled in Small Business Online Banking, you will be able to see your personal and Small Business accounts together. Some restrictions apply, please see Small Business Online Banking for more details.

    Note: Only checking accounts are eligible for Online Bill Payment. Credit Card accounts are eligible only for viewing transactions. For additional FREE online access to your Commerce Bank Credit Card accounts enroll in Bankcards Online.

17. Can I access my Commerce Bank business accounts through Online Banking?
    Yes, if you're a Small Business owner, simply sign up for Small Business Online Banking and you can see your business and personal accounts in the same place. Some restrictions apply, please see Small Business Online Banking for more details.

18. How frequently is my account information updated?
    Your account information ("Account Detail" and "Current Balance") is updated every business day from the transactions that have cleared your account the previous day. Your "Available Balance" is the portion of your balance that is immediately available for use.

19. How will I know if my account balance is negative?
    A negative balance for an account will appear in parenthesis. For example, if you have a negative balance of $30, it will show as ($30).

20. How do I change my Customer ID and/or Password?
    You may change your Customer ID or Password for Online Banking through the Internet by clicking "Change Customer ID" or "Change Password" under "Customer Service" and verifying your current Customer ID or Password and selecting a new Customer ID or Password.

    As you select a new Customer ID or Password please keep in mind the following guidelines:

    • Customer ID Requirements: Your Customer ID must be at least 6 characters, but not longer than 32. It should be a mixture of both letters and numbers. It may not contain the following characters: @ < > ? ' ". It is not case sensitive.
    • Password Requirements: Your Password must be at least 6 characters, but not longer than 32. It is case sensitive, and should contain a mixture of lower-case letters, upper-case letters, and at least one number. It may not contain the following characters: @ < > ? ' ".
    • Additional Password Recommendations: To increase the security of your Online Banking, your Password should not contain any four consecutive numbers of your social security number, phone number, or address. Also, it should not include any part of your name or initials. Finally, do not write down your Password or share it with others.

21. How do I change my email or mailing address?
    You may change your email address in the Customer Service section of Online Banking. You'll need to change it in Online Bill Pay as well.

22. How do I get a copy of a check or statement?
    Both checks and statements are available in Online Banking.
    For a check copy: On the “Account Detail” screen, simply click on the check number to see the front and back of the check.
    
    For a statement: On the “Account Detail” screen, go to “View Statement” in the upper right corner. Click on the dropdown menu to find the statement you wish to see, then click “Go.”

23. How do I sign up for electronic statements or change my statement option?
    Online Banking makes it easy to change your statement options. From the Account Detail screen, click “Change Statement Options” on the left side. Select your desired statement option (options listed below). Then just follow the instructions to activate your new statement option. Statement Options include:
    • E-Statement (FREE for all accounts) – Enjoy the convenience of paperless statements; we’ll store them online and they’re accessible any time. Plus, we’ll send you an email each month to let you know when your new statement is available.
    • Check Safekeeping Statement (FREE for all accounts) – Continue to receive a paper statement every month, but we’ll store your checks for you.
    • Check Images Statement – (FREE in CommerceOptions accounts; a fee applies in other account types) – Receive your statement in the mail, plus you’ll get images of your cancelled checks each month.
    • Checks Back Statement (FREE in CommerceOptions accounts; a fee applies in other account types) – Receive your statement and checks in the mail.
    No matter which option you select, your statements and check images are available to view in Online Banking. Plus you can elect to receive an email every month when your new statement is available (this is required if you elect E-Statements).

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    Online Banking - Methods of Access

24. What are the two methods of access?
    We offer Online Banking through the Internet at www.commercebank.com and through your personal financial management software (PFM), including Quicken^® and Microsoft^® Money.

25. What do I need to be able to access Online Banking through the Internet?
    As long as you have access to a computer with Internet access and a browser that supports 128-bit encryption, you may do your banking with Commerce through the Internet. Also, you can access our Web site through almost any Internet Service Provider (ISP). If you are using America Online (AOL) as your ISP, we recommend that you use the AOL 8.0 or higher Internet browser.

26. What personal financial management software can I use with Online Banking?
    You can access your Commerce Bank account using Microsoft^® Money, QuickBooks^®, or Quicken^®:*
    
    Microsoft^® Money (2002 or higher versions)
    Quicken^® for Windows (2003 or higher versions)
    Quicken^® for Macintosh (2003 or higher versions)
    Quickbooks^® for Windows (2003 or higher versions)
    
    *Quicken and QuickBooks are registered trademarks of Intuit Inc. Microsoft^® is a registered trademark of Microsoft Corporation in the United States and/or other countries.

27. I use PFM software to manage my personal finances. May I still use the free Online Account Access service through the Internet?
    Yes, if you would like to use both Online Account Access through your PFM software and Online Account Access through the Internet, you will need to enroll for each method of access. Applicable fees will apply. Online Bill Pay, however, is only available through one method of access per customer. Enroll now.

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    Online Account Access

28. What accounts will I be able to access?
    You can get online account access to your Commerce Bank Checking, Savings and Money Market accounts, as well as your Commerce Bank Visa® or MasterCard® credit card accounts. If you are enrolled in Small Business Online Banking, you may be able to see your personal and Small Business accounts together. Some restrictions apply, please see Small Business Online Banking Terms & Conditions for more details.

    Note: Only checking accounts are eligible for Online Bill Payment. Credit Card accounts are eligible only for viewing transactions. For additional FREE online access to your Commerce Bank Credit Card accounts enroll in Bankcards Online.

29. Can I access my Commerce Bank business accounts through Online Banking?
    Yes, if you're a Small Business Checking customer, simply sign up for Small Business Online Banking and you can see your business and personal accounts in the same place. Some restrictions apply, please see Small Business Online Banking Terms & Conditions for more details.

30. Are there limits to the types of transfers I can do with Online Account Access?
    Yes, you may transfer only between your Commerce Bank Checking, Savings, and Money Market Accounts.

    Also, if your account is a limited transaction account (regular savings or MMA) certain limitations may apply. For more information, please refer to the Online Banking Terms and Conditions and the Deposit Agreement applicable to your account.

31. How much transaction history can I view online?
    You can view up to 90 days of transaction history through Online Account Access.

32. What time of day do transfers occur? When is the latest time I can change or cancel a transfer?
    If you make an immediate transfer, it will happen immediately as long as it's before 6 p.m. CT . You may only change or cancel the transfer before it has been confirmed.

    If you schedule a transfer to occur at a later date, the transfer will be made at 6 p.m. CT on the business day that is scheduled to happen. You may change or cancel a future scheduled transfer up to the cutoff time listed above.

    See our Online Banking Terms and Conditions for full details.

33. Can I transfer money to pay my Commerce Bank credit card or loan?
    You cannot transfer money to pay your Commerce Bank credit card or loan through Online Banking at this time. However, you may make your payment online if you are enrolled in Online Bill Pay service or come by a Commerce Banking Location and a Financial Service Representative would be happy to set up an automatic payment for you.

34. Is there a way to save my account information to my computer?
    You may export your transactions to a file, from the "Account Detail" screens, by selecting the format (Money/Quicken or CSV) from the dropdown box in the upper right corner of the screen, and then clicking the "Download" button. CSV (Comma Separated Value) is used for exporting information from Online Banking to another program such as a spreadsheet.

35. How can I add Online Bill Pay?
    If you would like Online Bill Pay through the Internet and you already have Online Account Access through the Internet, adding Online Bill Pay is easy. Just click "Pay Bills" from within Online Banking. If you would like to add Online Bill Pay to your Online Banking through PFM, please download an application or calling Online Banking Customer Service at 1-800-986-2265.

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    Online Bill Pay

36. What is Online Bill Pay?
    Commerce Bank's Online Bill Pay is an Internet-based service that allows you to stay close to your money and pay your bills with ease - anytime, anywhere. With just a few clicks, Online Bill Pay lets you set up your bills to be paid, either once or on a recurring basis, to nearly any person or business in the United States. You may also receive bills electronically directly into your Online Bill Pay account. Imagine, no more hand writing checks, buying stamps, licking envelopes, or making trips to the post office. You'll like the way it will simplify your life.

37. How does Online Bill Pay work?
    Once you have enrolled on Online Bill Pay, paying bills online is as simple as 1 - 2 - 3!
    1. Click "Add a Bill".
    2. Click "Make Payment" to make your first payment.
    3. Just sit back and leave the rest to us!
    For more detailed information on how Online Bill Pay works and to review important legal matters, please see the Online Banking Terms and Conditions by clicking here or on the link at the bottom of any page in the Online Banking section.

38. I’m new to Online Banking, how do I enroll in Online Bill Pay?
    If you’ve yet to enroll in any of Commerce’s Online Banking services, you must first enroll in Commerce’s Online Account Access service. During that enrollment process, you can either enroll Online Bill Pay at the same time or you can enroll in Online Bill Pay at a later time. Just go to the Enrollment page and choose your preferred method of access.

39. I’m already enrolled in the Online Account Access service, how do I enroll in Online Bill Pay?
    If you currently use the Online Account Access service through commercebank.com and would like to utilize Online Bill Pay as well, adding Online Bill Pay is easy. Just click “Pay Bills” from within Online Banking. If you would like to add Online Bill Pay to your Online Banking through PFM, please download an application.

40. Whom can I pay using Online Bill Pay?
    You can pay almost anyone in the United States, from your long distance phone company to the babysitter.

    Note: You may not make a payment of alimony, maintenance, child support, taxes or other governmental fees or court directed payments through the service. For more information, please see the Online Banking Terms and Conditions.

41. From what types of accounts may I make payments?
    Payments can be made from any personal Commerce Bank checking account.

42. When is the money withdrawn from my account for the bills that I pay online?
    The date that money is withdrawn from your account varies based on the payment method. If a paper draft is used, the money will be withdrawn when the check clears. If an electronic method is used, the money will be withdrawn on the due date.

    For more information, please see the Online Banking Terms and Conditions.

43. How long does it take for a payment to reach the recipient?
    We recommend that you allow at least five business days, prior to your due date, for bills to reach their destination and be processed.

    For more information, please see the Online Banking Terms and Conditions.

44. When can I schedule a payment?
    You may schedule a payment up to 360 days in advance. The Calendar icon in Online Bill Pay shows the earliest available payment date for that biller.

45. Can I access my Online Bill Pay from any computer?
    Yes, if you are enrolled in Online Banking through the Internet . As long as you have access to a computer with Internet access and a browser that supports 128-bit encryption, you may do your Online Banking with Commerce Bank no matter where you are.
    
    If you are enrolled in Online Banking through PFM , you may only access your Online Bill Pay service from the computer that has your personal financial management software.

46. How much Online Bill Pay history can I view online?
    Up to six months of bill payment history is available for viewing online, depending on the current date and your statement cycle date. For information more than six months old, please:
    • Call our Customer Care Center at 1-800-453-2265; or
    • If you are an Online Banking customer, log in to send a secure email, which may include your Social Security Number or account number; or
    • Email Customer Service at mymoney@commercebank.com*. For your security, please do not send sensitive information, such as your Social Security Number or account number, in an unsecured email; or
    • Come by and visit a Commerce Banker today.

47. What is the latest I can make a change to or cancel a Scheduled Payment?
    You may change or cancel a Scheduled Payment through Online Bill Pay until midnight Eastern Time of the fifth Business Day before the scheduled due date. For example if you have a payment scheduled for Thursday, you would need to make your changes by midnight on the previous Friday. There is no charge for changing or canceling a scheduled payment.

    For more information, please see the Online Banking Terms and Conditions by clicking here or the link at the top of any page in the Online Banking section.

48. What do I need to do to make sure my bills are paid successfully through Online Bill Pay?
    • You are responsible for ensuring that the information you give us regarding your bills and payees is complete and accurate.
    • You need to make sure that you have sufficient funds in your account when your payment is initiated.
    • To ensure that your payments arrive on time, please make sure you schedule each bill payment at least five business days before the "Due Date."

49. What are E-Bills and how do they work?
    This Online Bill Pay enhancement makes the payment process even easier. With the new Online Bill Pay service you can receive your bills electronically from participating payees, review them online (or print them), and then schedule payments at a future date, all in one online session. E-Bills are only available with Online Banking through www.commercebank.com.

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    Online Banking through personal financial management Software (Online Banking through PFM)

50. What is Online Banking through personal financial management software (Online Banking through PFM)?
    With Online Banking through PFM, your banking information is downloaded into your PFM software – including Quicken or Microsoft Money. This allows you to integrate your banking information with your total financial picture, reconcile accounts quickly and easily, and keep an electronic check register.

51. Where can I use Online Banking through PFM?
    You can access Online Banking through PFM from the computer on which you have installed your PFM software. You'll also need an Internet connection.

52. Can I pay bills with Online Banking through PFM?
    Yes – and your bill payments will automatically be recorded in your electronic register. To enroll in Bill Pay through PFM, just request Bill Pay when you enroll for Online Banking through PFM. If you're already enrolled and would like to add the Bill Pay Service, just call us at 1-800-986-2265 or download an application and we'll get started with your upgrade.

53. What is the cost for Online Banking through PFM?
    • For Online Banking through PFM: Free with a CommerceOptions Plus or CommerceOptions Premium Checking Account. Other accounts: $3.00 per month for up to 8 online sessions; $.35 for each additional session.
    • For Online Banking PLUS Bill Pay through PFM: Free with a CommerceOptions Plus or Premium Checking Account.* Other accounts (includes Online Banking Plus Online Bill Pay): $9.95 per month for up to 20 bill payments. Each additional payment is $.60. *One free Online Bill Pay account per CommerceOptions household.

54. If I use Online Banking through PFM, can I still use Online Banking through commercebank.com?
    Yes! Enroll in FREE Online Account Access through commercebank.com to get a quick snapshot any time you want to check your balance or review transactions.

55. When I download transactions, will I get repeated data?
    No, with Online Banking through PFM, you'll only get transactions that are new since your last download. No need to delete repeated data.

56. What happens if I upgrade my PFM Software?
    Your transactions and bill payment information will transfer to your upgraded software.
    

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    Additional Assistance

57. How do I contact Commerce Bank to find out more about Online Banking or if I have a question about my account?
    If you would like additional information or assistance, please:
    • Call our Customer Care Center at 1-800-453-2265.
    • If you are an Online Banking customer, log in to send a secure e-mail, which may include your Social Security Number or account number.
    • Email Customer Service at mymoney@commercebank.com*. For your security, please do not include sensitive information such as your Social Security Number or account number in an unsecured e-mail.
    • Come by and visit a Commerce Banker today.

58. What if I need help with my Online Banking service?
    Contact Online Banking Customer Service by calling 1-800-986-2265 or by sending a secure message from within Online Banking

59. How can I get a paper copy of the Online Banking Terms and Conditions?
    You may print the Terms and Conditions from our Web site or contact Online Banking Customer Service by calling 1-800-986-2265 or by sending secure message from within Online Banking or by standard Internet email.

60. What do I do if I have forgotten my Password?
    If you have forgotten your Password, click on "Forgot Password." This area allows you to verify key information about yourself. Please provide information for all the fields marked with an asterisk, and submit the information to Commerce Bank Online Banking, by clicking "Next." Once the information is verified, you will be given the opportunity to choose a new Password.

61. What are your Customer Service Hours?
    You may call Online Banking Customer Service at 1-800-986-2265 Monday through Friday 7:30 a.m. - 10:00 p.m. (Central Time) and Saturday 7:30 a.m. - 4 p.m. Or you may always send a secure message from within Online Banking and a Customer Service Representative will respond your question as soon as possible.

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*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.