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Business Visa® Debit Card FAQs

For assistance in setting up your access code for the first time, call 1-800-453-2265 and select option 0 to speak to a customer service representative.
No. When calling customer service you will enter your access code. When making purchases or transacting at an ATM, you will use your PIN.

To select or change your PIN, you can:

  • Select your PIN when you activate your card
  • Call 1-800-617-7480, select option 5 or
  • Change your PIN at a Commerce ATM (you must know your current PIN to change it)
ATM cards give you access to cash from an ATM or through PIN point of sale purchases. The Visa Debit card gives you a fast, easy and secure way to make purchases anywhere Visa is accepted.
No. Purchases made with your Visa Debit card debit directly from your checking account. A credit card accesses a line of credit.
You can use Visa Debit anywhere Visa is accepted at millions of locations worldwide.
Some participating merchants provide you the option of either selecting Debit and entering your PIN or selecting Credit and signing for your purchase. If you select Debit and enter your PIN, a participating merchant allows you to receive cash back over your purchase amount at the register whereas if you select Credit and sign for your purchase there is no cash back option. Use your card however you choose.
Yes. You can link your savings account to your debit card for withdrawals and deposits at the ATM only. Purchases may only be debited from your primary checking account.
Call Customer Service immediately at 1-800-617-7480, and select option 2. You must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. Once your card has been reported lost or stolen, you will choose whether to have your replacement card instantly issued or mailed (7-10 business days.)
Call Customer Service at 1-800-617-7480, and select option 7. You must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity.
You should receive a new card in the mail two weeks to a month before your current card expires. If you do not receive your new card a week before the expiration date, call customer service at 1-800-617-7480, and select option 7.
Yes. Your current card will continue to work until the expiration date passes. However, to avoid misplacing your new card or having unauthorized use of the old card, we advise you to destroy your old card and begin using the new card immediately.
  • If your card number does not change, your payments will continue to be processed.
  • If your card number changes, contact each company and provide them with your new card information.
  • For more information on automatic bill payments with your Commerce Bank Debit Card, visit www.commercebank.com/directcheck-card.
Visit commercebank.com/directcheck-card for instructions.
Yes. See your fee schedule for details. You may request a copy of our current fee schedule at any Commerce branch or by contacting 1-800-453-2265.
Commerce Bank ATMs and PLUS ATMs. PLUS is an ATM network that allows you to access cash from your Commerce Bank accounts worldwide. Just look for the PLUS logo on the ATM. There may be a fee at non-Commerce ATMs. See your Personal Checking fee schedule for details.
Yes. You can track your purchases and daily balance through Online Banking. Plus, your monthly checking account statement will detail all of your debit card transactions, including where and when each purchase was made.

We recommend that you set a travel notice on the card(s) you plan to use while traveling.

  • Sign in to Online Banking and enter your trip details by clicking on "Account Management" under "Customer Service" and select "Notification of Travel Dates"
  • Or call Customer Service at 1-800-617-7480, and select option 7
Yes. You will be charged a Service Assessment fee of 3% of any purchase, cash withdrawal and cash advance made outside the U.S. in U.S. Dollars (Canada, Mexico and the Caribbean). Transactions made over the internet in U.S. Dollars submitted by a merchant with a non U.S. address are subject to the service assessment fee. You will be charged an International Service fee of 3% of any purchase, cash withdrawal and cash advance made outside the U.S. and is not in U.S. Dollars. (Euros, Pesos, etc.)
  1. You present your debit card to make a purchase.
  2. The merchant takes your card to process an authorization or, if a PIN pad is available, requests that you swipe your card.
  3. The transaction information is sent to the processing network and Commerce Bank.
  4. The purchase amount is deducted directly from your checking account. NOTE: It can take 1–2 days for certain transactions to post to your account.
Account deductions can’t be cleared until the final amount is known. Therefore, a "hold" may be placed on funds to cover the estimated cost of certain transactions, such as at gas stations. This ensures that you don’t spend more money than you have and merchants are paid for each transaction. While most holds are usually less than 24 hours, Commerce Bank will remove all holds within 72 hours.
  1. The merchant authorizes the refund and sends the transaction information to its financial institution, either electronically or by phone.
  2. The merchant’s financial institution processes the refund transaction and credits your checking account. NOTE: Even if a return is made on the same day as the purchase, the credit may not be applied in real time and your daily spending limit may still be affected by that purchase.

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