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Paying bills online

Payroll Card

The Commerce DirectCheck card

Commerce Bank DirectCheck Card

Payroll card: a safter, more convenient payday.

Wouldn’t it be great if you could offer an alternative to paper checks and pay your employees through direct deposit? Now you can with the Commerce DirectCheck card — a low-cost payroll card solution that’s easy to use.

The Commerce DirectCheck card is a Visa® Prepaid Card.

This payroll card by Visa® Prepaid Card is a reloadable Visa® card. No credit check or prior bank account is typically needed. It's a safer alternative to cash and allows you to track spending.

Learn more about Visa® Prepaid Cards

Employer Benefits: Seamless Solutions

Commerce DirectCheck card allows you to cut unnecessary payroll costs, expand Direct Deposit participation and reduce fraud risk. You can:

  • Reduce payroll expenses
  • Increase direct deposit participation
  • Eliminate out-of-cycle checks due to loss or theft
  • Reduce risk of check fraud
  • Simplify your reconciliation process

Employee Benefits: Convenient Access

No checking account? No problem. Employees can get direct deposit without having a checking account. With the Commerce DirectCheck card, your employees are eligible to:

  • Get immediate access to funds on payday
  • Avoid check-cashing fees
  • Make purchases anywhere Visa® debit cards are accepted
  • Shop or pay bills online, by phone or by mail
  • Sign up for online account information and text alerts1
  • Avoid liability for unauthorized transactions if the card is lost or stolen2

Use it everyday – load, spend, reload.

Get your paycheck automatically loaded on your card each payday with direct deposit. Pay your bills online or over the phone, shop online and more. Use it anywhere Visa debit is accepted.

Learn more about everyday use.

Use it for budgeting – take control of your spending.

View your account information online, receive text alerts and more.

View the Commerce DirectCheck card agreement details here.

If you need immediate assistance with a current Commerce DirectCheck card, please call us at 1.866.620.1367. Visit your Commerce DirectCheck card account.

Questions? We're up for the challenge.

Challenge Accepted.(R)

Contact us


  1. Fees may apply in certain situations.

  2. As long as they notify Commerce within 120 days after the unauthorized transaction was posted to the account.

*The Contactless Symbol and Contactless Indicator are trademarks owned and used with permission of EMVCo, LLC.

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