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Checkout is Simple with Commerce Bank Chip Credit Cards.

Your Commerce Bank Chip Credit Card has chip and magnetic stripe technology. That means, regardless of what type of terminal a retailer has, you’ll be able to use your Commerce Bank Chip Credit Card anywhere Visa® or MasterCard® is accepted.

At Retailers with Chip Terminals

1. Insert your card into the terminal

Insert the chip end of your card into the terminal with the chip facing up.

2. Follow the prompts on the screen

Leave your card in the terminal and follow the prompts on the screen.

3. Remove your chip card

Remove your card when the transaction is complete and take the receipt.

Insert Commerce Bank Chip Card into the terminal
Follow chip card prompts
Remove your Commerce Bank chip card when the transaction is complete

At Retailers with Traditional Terminals

If a retailer is not yet chip-enabled, you can continue to swipe your card and pay as you normally would.

Over the Phone or Online

Provide your card information the way you always have when you’re ready to make a purchase.


Insert your card as instructed on the ATM and follow the prompts.

Enjoy the Convenience of Two Cards in One

Special Connections Feature

Chip Credit Cards with Special ConnectionsSM Feature

The Special ConnectionsSM feature gives you the freedom to use your credit card for both credit and debit purchases, and to conveniently access your other Commerce accounts at the ATM.

Your credit card has a "Credit/Debit" identifier to show it has the Special ConnectionsSM feature. Log in to Online Banking to enable this feature. Learn More

Special Connections Feature

Chip Credit Cards

Your Commerce Bank credit card can be used for only credit purchases if your card does not have the "Credit/Debit" identifier.

Contact us to find out how you can get a chip card with the Special ConnectionsSM feature.

Using Your Commerce Bank Chip Credit Card Internationally

Chip cards have been in use around the world for many years and are now commonplace in many countries. Simply follow the same steps to make a purchase abroad as you would when making a purchase in the United States with your chip card. In the unlikely event you are prompted to enter a PIN when making a credit purchase, try to bypass the PIN prompt.

How to Get a Commerce Bank Chip Credit Card

If you are an existing Commerce Bank cardholder, there is no need to request a chip card. We began replacing cards with chip cards in late 2015 and are continuing to issue chip cards to existing customers.

If you don’t have a Commerce Bank credit card, you can apply for one of our credit cards here.

Learn more about our Credit Cards.

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