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As of March 1, 2013 all federal benefit payments such as Social Security must be received by electronic payment.

To receive a direct deposit to your Commerce checking or savings account, use routing number 101000019 and your account number (which can be found on your monthly statement.) Not a Commerce customer? Learn more about opening a Commerce checking or savings account.

To receive a direct deposit to your Commerce Bank mySpending Card, visit your local Commerce Bank and ask any Teller or Financial Services Representative for your mySpending Card direct deposit information. If you don’t already have a mySpending Card, learn more about how to get one.


To sign up for direct deposit of your government benefits:

You will need your:

  • 12-digit federal benefit check number
  • Amount of most recent federal benefit check
  • Financial institution’s routing transit number
  • Checking or savings account number

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