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How Commerce is responding to the COVID-19 pandemic.

Taking care of our customers and team members is our top priority. The COVID-19 pandemic is continuing to have an unprecedented effect on the daily lives of many. Commerce has been and continues to be diligent in monitoring the pandemic's 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. Commerce branches are open to help our customers take care of their banking needs, up to capacity limits, following CDC guidance requiring masking, social distancing and enhanced cleaning. 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.
Most of our branch locations are providing drive-thru and lobby service, up to capacity limits as social distancing allows. 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, wherever and whenever is convenient to them: 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.
Most branches have resumed normal hours to allow you to complete your banking needs. Please visit our location finder before visiting to check the hours of operation.

There are currently capacity limits for lobby access at most branch locations to allow for social distancing. Here’s how to make your visit go smoothly:
  • Commerce branches may allow access up to a maximum number of customers at any time to allow for social distancing. If the branch is at capacity, we will ask you to wait outside or in the comfort of your car. Customers are no longer required to have an appointment or call for entry into the branch.
  • All team members and guests are required to wear a face mask. No exceptions. We will provide you with one if needed.
  • If you feel that you are at a higher risk of infection, or are not comfortable wearing a mask, we ask that you use a different method to complete your banking needs. (Commerce drive-thrus, Online Banking, mobile app, ATMs or phone.)
  • Commerce Bank has increased efforts to make sure our branches are as safe as possible, including regular disinfection of work areas and equipment. All branches will have shields in the transaction and desk areas, and there will be floor stickers to ensure visitors stand 6 feet apart.
Thank you for your understanding as we work to keep our team members and customers safe and healthy while still providing you the services you need.

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 COVID-19 pandemic, 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.
  • 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 https://disasterloan.sba.gov/ela/.
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 set capacity limits for the interior of our branches to minimize exposure of our customers and teammates to others and to allow for social distancing.
  • 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.
  • Due to social distancing requirements, there may be instances in which a location will need to temporarily close. Please visit our location finder to check the status of a branch before visiting.
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:
Staying safe and healthy while working at home.

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Taking care of our customers and team members is our top priority. Check out Ideas & Tips for ways to manage around COVID-19.

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