Skip To Main Content

We’re here for you, in every situation.

How Commerce is responding to the coronavirus.

Taking care of our customers and team members is our top priority. The coronavirus (COVID-19) is having an unprecedented effect on the daily lives of many. Things are changing quickly, sometimes hourly. Commerce has been and continues to be diligent in monitoring the COVID-19 (coronavirus) impact, and the challenges we are all facing.

We are taking this very seriously and are taking steps to allow us to help protect your health and safety while continuing to serve you. Banks are considered essential businesses and Commerce will remain open to serve our customers and the public under the essential activity orders. And we are ready to assist you if you are facing financial hardship.

We ask you to be on the lookout for suspicious email and text messages that try to convince you to share sensitive information such as username and password, or ones that may impersonate a company, charity, or government agency. Commerce will never ask you for your personal information or log-in credentials in an email or text message.

Commerce Bank is here for our customers – in good times and challenging times – and this situation is no exception. We appreciate your continued trust and the privilege to serve you.

We will continue to follow the recommendations from the Centers for Disease Control and Prevention. As the situation evolves, we’ll share updates here as we have them.
Many government agencies are or will be issuing essential activity orders. We want to assure you that banking is an essential activity and we will remain open.

We are still providing drive-thru service at most of our branch locations. If you require access to your Safe Deposit Box, please notify a banker in the drive-thru or call Customer Care Center at 1-855-659-1656 and they will assist you. Please visit our location finder for the latest hours of operation or to find an ATM near you.

Our Mobile App and Online Banking are available 24/7 to make deposits, transfer funds, make payments and more. They’re simple to use, and free.

Business customers have a few additional options to access their accounts: If you have questions or need individual assistance, contact our customer care center at 800-453-2265. You may experience an extended wait time due to high call volume. Your patience is appreciated.

We’re here to help.

Commerce Bank believes that every financial situation is unique and deserving of a personal response. We understand that the current situation may cause financial uncertainty and can be very difficult for many of our customers.

If our customers are having financial difficulties due to job loss, reduced hours or other impact from the coronavirus – please know, we’re here for you.

If you are a Commerce Bank customer facing financial hardship due to the impact of the coronavirus, please call us at 833-518-3458 to discuss your current accounts. You may experience an extended wait time due to high call volume. Your patience is appreciated.

Here are some of the ways we’re offering relief to our customers who have been impacted by the coronavirus pandemic:

  • Existing loan customers may be eligible for payment deferments.
  • Credit card accountholders may be eligible to skip payments and have late fees waived or refunded.
  • Credit card accountholders with long-term financial impact may be considered for a permanent workout payment plan with reduced payments and fees.
  • Existing, credit-qualified Commerce customers may be offered an unsecured installment loan with flexible income requirements offering flexible loan terms, first payment due date extension and fixed rate and payments.
  • Customers may request to have overdraft fees refunded.
  • Customers who have to use a different bank’s ATM may request refunds of the fee.
  • Customers who need to redeem their CD early due to financial hardship or because they were unable to get to the bank during the grace period may request to have the early withdrawal penalty waived.
  • Commerce Bank Mortgage is working with customers on payment plans and temporary forbearance options. Payment relief plans can be in the form of a reduced payment amount, or a suspension of payment in full, for the payment relief period.

We understand our business customers may be facing challenges during this unprecedented economic environment.

Our priority is to help you and your business succeed in good times and challenging times. We’re here to help.

Contact us to learn more about the ways we’re offering relief to our business customers who have been impacted by the coronavirus pandemic:

  • Existing business loan customers may be eligible for payment deferments.
  • Business credit card customers may be eligible to defer payments and have late fees waived or refunded.
  • Business customers may request to have overdraft fees refunded.
  • Merchant services customers that closed temporarily may have their monthly minimum fee and regular monthly fee waived for the months they were not processing.
  • We can help small business customers obtain a Small Business Administration (SBA) loan from Commerce Bank under existing SBA programs. Learn More.
Additionally, the SBA is offering direct financial support options including low interest loans of up to $2 million. These loans are provided directly from the SBA and are not affiliated with Commerce Bank. Learn more at
Our top priority is your safety. We have taken proactive steps to make sure our environment is as safe as possible.

  • We are monitoring the situation continuously and following the guidance and direction of the Centers of Disease Control and Prevention and the World Health Organization.
  • We have limited access to the interior of our branches to minimize exposure of our customers and teammates to others.
  • In our branches and offices, we are making additional efforts to disinfect work areas and equipment, and help our team safely handle cash.
  • We are encouraging anyone who is at high risk or who feels sick to stay home.
  • We’ve distributed our workforce to various locations, including many who are working from home.
  • We’re eliminating all business travel (foreign and domestic) until further notice.
  • We’ve replaced most in-person meetings with alternative means of communication like tele-, web or video conferencing.
  • We’ve implemented new policies designed to work with team members who cannot come to work due to circumstances like lack of childcare or stay at home orders to accommodate their individual needs. The last thing we want our team members worried about right now is missing a paycheck.
  • Due to limited staffing considerations, there may be instances that a location will need to temporarily close. Please visit our location finder to check the status of a branch before visiting.

We believe that we are adequately prepared to deal with the uncertainties arising from the COVID-19 crisis, while managing the operational demands to support our business customers. As the situation continues to evolve, we will quickly adapt to changing circumstances in an effort to assure continuous service and maintain regular contact with our suppliers and customers. We have confidence in our planning, our processes and our incredibly skilled and dedicated team of professionals. Taking care of our customers and team members is our top priority.

  • We have activated our Pandemic Preparedness and Response Plan and COVID-19 Task Force.
  • We have validated Business Continuity Plans for all teams, including successful use of remote access.
  • We have built-in resiliency with campuses in both St Louis and Kansas City, as well as our business resumption site.
  • We have been proactively communicating with customers across our business lines to reassure them of our resiliency and to offer our guidance for any financial challenges they may encounter.
  • We’re in contact with key suppliers to verify their continuity plans and confirm their ability to maintain service levels.
  • We are participating in multiple industry resource groups specific to this topic in order to share best practices.
We have an ongoing series of articles on topics on how to keep your financial life on track through the weeks ahead. For the latest, click here.

For the latest information from official sources, visit:


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.