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Young family shopping at a grocery store

Log in to account for: mySpending Card®

Prepaid debit card

Commerce Bank my spending card

mySpending Card® – the cashless way to pay.

Take charge of your finances with the mySpending Card®. This reloadable prepaid debit card can be used anywhere Visa® debit cards are accepted, which makes it perfect for budgeting.


Think of the mySpending Card® as a modern update to your child’s allowance. Only the funds you load onto the card can be accessed. While your child begins their financial journey, you can track balances and transactions with available alerts. Adding funds is as easy as making a transfer from your Commerce Bank checking account.

Order the mySpending card for ParentsOrder Now

Young Professionals

Simply balance your “Fun Funds” and your “Bill Funds” with the mySpending Card®. Add the mySpending Card® to your mobile wallet for everyday purchases for a faster way to pay. The mySpending Card® features security protections such as Visa Zero Liability if the card is lost or stolen1 and text Alerts to track transactions. It’s the safer way to stay on the go and on budget.

Applying is easy! Purchase online with a Commerce debit card, or get your prepaid debit card instantly at a participating Commerce Bank Branch2. View our application checklist.

Order the mySpending card for Young ProfessionalsOrder now

Tap & Go

You can now tap to pay at checkout counters that support contactless technology. Follow the instructions below to use your mySpending Card® wherever you see the contactless symbol3contactless lock symbol for fast, more secure4 transactions.
1. Look, 2. Tap, 3. Go
Existing customers will receive a contactless Visa® Debit Card after their current prepaid debit card expires.

View contactless FAQs


Prepaid debit card features

Card Purchase Fee

  • Initial Value Load fee $5.95
  • Secondary/Additional Card $2.00

Min. Opening Load


Monthly Service Charge


Load Options

  • Sign up for Direct Deposit of your paycheck, government benefits or other income sources
  • Use the secure website, the phone5 or visit any Commerce Bank branch
  • Make a transfer from a Commerce Bank checking or savings account using Online Banking or Mobile Banking
  • If you do not have a Commerce checking or savings account: Use the Ingo Money app6 to load approved checks using your mobile device. Download the free app on Google Play™ or from the Apple®App StoreSM.

Load & Balance Limits

  • Minimum load amount: $10, unless funds are loaded by direct deposit or other ACH transaction7
  • Maximum load amount: $1,500 per day/$3,000 per rolling 7-day period, unless funds are loaded by direct deposit or other ACH transaction7
  • Maximum Card balance: $3,000, unless funds are loaded by direct deposit or other ACH transaction7

Spending & Withdrawal Limits

  • Maximum spending limit: $3,000 per day/$10,000 per month
  • Maximum cash withdrawal limit: $1,000 per day/$1,500 per rolling 7-day period


Unlimited Commerce ATM transactions

Online Services

  • Online account access to Card account information and transaction history
  • Balance updates via text alert8

Statement Options

  • Statements - Free
    (Electronic and Paper)

Additional Features

  • Visa Zero Liability protection if your Card is lost or stolen1
  • FDIC Insured9
  • Automated phone service - 1 call per week per Account at no charge; $.50 per call thereafter
  • Contactless Checkout

Find a branch near you

Branch Locator


  1. We must hear from you no later than 120 days after the transaction was posted to your account. Please refer to the mySpending Card® Cardholder Agreement for more information.

  2. Instant issue of a mySpending Card®; is limited to primary cardholders. Secondary cards available for pick up at the branch after 2 p.m. the next day. Online purchases must be issued to customer via U.S. mail.

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

  4. Contactless Visa cards use the same dynamic security as chip cards. Each transaction is accompanied by a one-time code that protects your payment information.

  5. Automated Phone Service Call Fee may apply if loading Card via phone.

  6. This service is provided by Ingo Money, Inc. and First Century Bank, N.A., subject to the Ingo Money and First Century Bank Terms and Conditions, and Privacy Policy. All checks subject to review for approval. Fees and data rates may apply.

  7. ACH transactions can include, but are not limited to, direct deposit of payroll, government benefits and tax refunds.

  8. Standard text rates/web access charges from your wireless phone provider may apply; see your wireless phone provider for details.

  9. The Federal Deposit Insurance Corp. insures each depositor to at least $250,000.

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