From your first checking account to your kid's first debit card to the keys to your next home, Commerce Bank pairs smart financial tools with real people who know you by name.
Explore Commerce BankFrom your first checking account to your kid's first debit card to the keys to your next home, Commerce Bank pairs smart financial tools with real people who know you by name.
Explore Commerce BankThere's a moment when the app can't help anymore. When the question isn't "What's my balance?", it's "Should we refinance before the baby comes?" or "Is this the year we finally deal with the 401k from two jobs ago?" Those questions deserve a person who knows your situation, not a search bar. Our bankers take the time to understand the full picture, your work, your life, your goals and help you move forward with confidence.
Digital tools for speed and convenience. People for understanding and experience.
Start here
First place of your own, first paycheck that isn't spoken for, first time anyone asked whether you have an emergency fund. Free Checking is where it starts. It comes with a banker who learns your situation once so you don't have to explain it every time. Add a savings account and you've got a place for the money you're not spending yet.
Open Free Checking
Explore savings accounts
More for getting started
The pros and cons of a joint bank account
Simple ways to keep your information safe
Build momentum
You've got more sitting in savings than you meant to, and you've heard a CD earns more, but you can't tell if that means your money is stuck for a year. That's a five-minute conversation with someone who does this all day. We'll walk you through money market accounts and CDs and tell you plainly which one fits what you're actually saving for.
Explore money market accounts
View CD options
More for getting started
The changing landscape of retirement
Invest in your child's future with a 529 plan
Family Banking
Money habits start early, and they start at home. Commerce offers two products with one goal: teaching your kids confidence with money while you keep full visibility every step of the way.
Kids learn to earn, save and spend with a debit card you control. You can connect chores to allowance and help build savings goals, all in one app that the whole family can see.
More for your family
Visit the Family Banking hub Benefits Your Teen Gets with a Bank Account Practical Tips to Build Money Skills
Home and what's next
The kitchen you've been working around for six years. The house with the yard you keep driving past. The tuition bill that showed up before you figured out how to pay it. These are the decisions where an online calculator runs out of answers. Our lending team helps you think it through, from your first mortgage to home equity loan, so you can move forward with clarity.
Explore home loans
Learn about HELOCs and home equity loans
More for your next move
How much house can you afford?
What to know before you start house hunting
Remodel or move?
Experience that counts
We've been helping customers, businesses and communities grow since 1865.
A banker who knows
your name
In the branch, on the phone or messaging in the app, you're talking to someone who remembers your last conversation.
Challenge Accepted.®
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.
Copyright © 2026 Commerce Bancshares, Inc. All rights reserved. Commerce Bank, Member FDIC.
