Young family shopping at a grocery store

mySpending Card®

Prepaid debit card

Commerce Bank Contactless Visa Debit 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.

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parents with 2 teens infront of home

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.

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Young Professionals

young professionals looking at a computer

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.

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Tap & Go

paying for food with tap and go card

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 frequently asked questions

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

  • Paperless Statements - Free!
  • Paper Statement - $3 per month

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