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    Refer a Friend. One for Me, One for You, up to $1,000.1

    Earn a $100 Visa® Reward Card up to $1,000 each time you refer a qualified friend or family member to Commerce Bank.1

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    Commerce Free Checking

    Manage your essential spending needs with your FREE checking account.

    Mortgage Refinancing

    Check today’s rates and start your application.

    Personal Credit Cards

    Apply for a credit card in minutes and get a quick response.

    myRewards Savings Account

    myRewards Savings grows with you.

    You have questions, and we have answers.

    Whether you need help setting short-term goals or planning for your future, our Ideas & Tips page offers simple solutions to complex financial challenges. Explore our articles when you have financial questions to help you make informed decisions, and then get back to what matters most.

    Protecting your older loved ones: Understanding and preventing scams.

    Scammers often use fear and urgency to target older adults —but knowing the warning signs can make a big difference. Learn how simple everyday habits can help you protect the people you care about.

    When to refinance your mortgage.

    Wondering if refinancing your mortgage could save you money? From shifting interest rates to changes in your financial situation, there are several signs that it might be the right time for you.

    Why your credit score matters and how to build credit.

    Your credit score affects more than just loans — it can shape what you pay and the opportunities available to you. Find out why it matters, how it’s calculated and simple steps you can take to start building stronger credit today.

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    Early Pay

    Commerce Bank’s Early Pay feature allows you to access your direct deposit up to two days early* once you have a Commerce checking account or savings account and set up a qualified recurring direct deposit. Set up direct deposit in minutes with Direct Deposit Connect™ through the Commerce Bank Mobile App or Online Banking. There’s no enrollment required, and it’s part of the added benefits included with Commerce Bank accounts for your convenience and security.

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    Get to know us.

    Step behind the desk and learn more about the people, culture and values that power Commerce Bank.

    VISA®, Worldwide FIFA® Partner, and Commerce Bank launch Small Business Readiness program.

    VISA® and Commerce Bank are teaming up to help small business in Missouri and Kansas get ready for the surge of fans coming for FIFA World Cup 26™. Check out the new Small Business Readiness program, helping them score big while serving thousands of soccer fans.

    AAPI Heritage Month spotlight: Finding belonging and building community.

    For Vinika McIntosh, AAPI Heritage Month is a time to celebrate family, identity and connection. That appreciation for community guides how she builds meaningful relationships and fosters belonging at Commerce and beyond.

    Learn more about Commerce Bank

    We're here when you need us.

    We may be 160 years old, but we’re always working to best support our customers’ needs. We’re here to help you bank where, when and how you'd like — whether that’s online, on mobile, over the phone, or in person.

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    Disclosures:

    1. For every referred account that meets the qualifications, the “Referrer” will receive a $100 Visa® Reward Card and the “Referred Person” will receive a Visa® Reward Card worth at least $200. Maximum $1,000 in Visa® Reward Cards per person, per calendar year. Terms & Conditions apply. Limited time offer.

    * You may receive a direct deposit up to two days early with Early Pay if you have 1) a checking or savings account with us, and 2) a recurring qualifying direct deposit to that account. Qualifying direct deposits may include a recurring ACH deposit of less than $10,000.00 for payroll, Social Security or other government benefits, or pensions. Early Pay is automatic and there is no fee. Please visit the Commerce Bank Deposit Agreement and Funds Availability Policy for more 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.

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