mySpending Card® FAQs

Getting Started

Once you have loaded money to your Commerce Bank mySpending Card® , it can be used anywhere Visa® debit cards are accepted worldwide. You may also obtain cash from ATMs displaying the Visa® or Plus® logos by using your Personal Identification Number (PIN). Fees may apply.1 Your Card can also be used for making purchases over the phone or on the internet.

Yes, you may manage your card either through your Commerce Bank online banking or through the mySpending Card® consumer website

Upon approval, your Card should arrive within 7 -10 business days via US mail or you can get a Card instantly2 at a participating Commerce Bank branch.

Yes. Please refer to the Cardholder Agreement[PDF] for a complete fee schedule. A copy of the fee schedule is included with your Card and at www.commercebank.com/mySpendingcard.

Secondary cardholders can receive their card as soon as the next business day at 2 P.M. in the branch. For Mailed cards it takes approximately 7 -10 business days to receive a card, however you may opt for Expedited shipping.

If you purchase an instant issue Card at a Commerce Bank branch, your Card will be active at the time of purchase. If you purchase a Card online or request a mail order Card, you may activate your Card over the phone by calling 1-888-373-2883 or via the web at www.commercebank.com/mySpendingcard. During the activation process, you will need to choose a PIN and you will be asked to provide information that verifies your identity.

If you purchase an instant issue Card at a Commerce Bank branch, you will choose your PIN at that time. If you purchase a Card online or request a mail order Card, you will must visit our website at www.commercebank.com/mySpendingcard or call 1-888-373-2883 to activate your Card and select your PIN. You will need to have your Card with you in order to select your PIN.

No. Changes to your PIN must be completed by visiting a Commerce Bank branch, logging in to online account access at www.commercebank.com/mySpendingcard or by calling 1-888-373-2883. You will need to have your Card with you in order to change your PIN.

Visit a Commerce Bank branch, login to online account access at www.commercebank.com/mySpendingcard or call 1-888-373-2883 to reset your PIN. You will need to have your Card with you in order to reset your PIN.

If your PIN is not working, please call the Commerce Bank mySpending Card® Center at 1-888-373-2883 for assistance.

Loading Money

  • Sign up for Direct Deposit with your employer and have a portion or all of your paycheck loaded to your mySpending Card®.
  • Visit the mySpending Card® site, www.commercebank.com/mySpendingcard,and follow the steps for loading funds using a Commerce Bank debit or credit card.
  • Visit a teller at any Commerce Bank branch to load cash or funds from a federal, state or local government-issued check or an employer payroll check drawn on Commerce Bank. (Note: Checks will be cashed in accordance with Commerce Bank’s normal check cashing policy.)
  • Use Commerce Bank’s Online Banking, or visit a teller at any Commerce Bank branch, to transfer money from your Commerce Bank checking or savings account to your Card.
  • Use the Ingo Money app3 to load approved checks using your mobile device. Download the free app on Google Play™ or from the Apple® App StoreSM.

Yes. The maximum load amount is $1,500 per day, up to $3,000 per 7-day period, unless funds are loaded by direct deposit or other ACH transaction. The maximum balance is $3,000, unless funds are loaded by direct deposit or other ACH transaction. To learn more about the current limits, please refer to the Cardholder Agreement [PDF]. (Note: Commerce Bank reserves the right to restrict the total amount loaded to your Card and to monitor and report any suspicious activity.)

No, we are unable to customize the limits on the mySpending Card®

Your money is available immediately after the transfer of funds to the Card occurs.

Making Purchases

As with any other debit card, when returning the merchandise, present your Card to the cashier for the credit to be reapplied to your Card. The credit may take 5 business days or longer to become available on your Card.

A spending limit has been placed on your Commerce Bank mySpending Card® account for your protection. If your Card is lost or stolen, the amount someone can spend with your Card is limited

Yes. If you plan on traveling internationally, please contact the Commerce Bank mySpending Card® Center at 1-888-373-2883 to inquire about using your Card abroad.

Yes. Before making an Internet purchase, please make sure the address on your Commerce Bank mySpending Card® account is correct.

Yes. You may make purchases up to $3,000 per day, and up to $10,000 per month, not to exceed the balance available on your Card.

No, we are unable to customize the limits on the mySpending Card®

These are some types of transactions to be aware of:

Gas Stations – If you use your Card at an automated fuel dispenser (i.e., pay at the pump) it may result in a hold on your funds of $75.00 or more. To avoid this hold, you may go into the gas station and pay for your purchase in advance with the cashier and specify the exact dollar amount of gas you would like to purchase.

Restaurants and Other Merchants
– Restaurants, hair salons and some other types of merchants may obtain an authorization on the Card for an amount greater than the total service bill to cover any gratuity that may be added. Be sure that the balance on the Card is sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the merchant to obtain an authorization for an amount equal to or less than the balance on your Card and pay the difference with another form of payment if allowed by the merchant.

Hotels – Hotels m ay put a hold on your Card in the amount of your estimated bill, which will make that amount unavailable for other purchases. The hold may last from the time you check in to a few days after you check out.

Auto Rentals – Auto rental establishments may requ ire you to reserve your car with a credit card. They may allow you to use your Card for the final payment. Please check with the establishment for their specific procedures.

Cancellation of Authorizations
– You must cancel authorizations issued for Card tr ansactions when you subsequently use another form of payment for the transaction such as a credit card or cash. Failure to have the authorization canceled may result in a hold on funds on the Card and limit your future transactions. If you cancel any guaranteed reservation made using the Card, you must obtain a cancellation number. If you fail to do so, the hold placed for the guaranteed reservation will not be canceled and the amount will be held against the balance on the Card. This may limit your future transactions. Further, if the merchant subsequently charges the amount of the guaranteed reservation to your Card, we will not be obligated to re-credit the Card if you fail to obtain a cancellation number.

International Transactions – Commerce Bank and Visa reserve the right to charge for International Service Assessment fees. Please refer to your Cardholder Agreement [PDF] for specific fees.

Service Assessment Fee (for single currency international transaction done in U.S. Dollars)*
 2.0%
International Service Fee (for multi-currency conversion)**
2.0% 

Attempts to make purchases that will exceed the balance on your Card will be declined. If you know the amount remaining on your Card, you may ask the cashier to perform a split-tender transaction and pay for your merchandise using your Card and another form of payment. Some merchants do not allow split-tender transactions and some merchants will only allow split-tender transactions if you pay the remaining amount in cash.

Yes, you can use your Card number to pay a bill if the payee accepts Visa as a form of payment.

Tracking Loads and Spending

You may "opt-in" to receive paper statements either by going online at www.commercebank.com/mySpendingcard or by calling the Commerce Bank mySpending Card® Center at 1-888-373-2883 and requesting paper statements. Your monthly statements will be mailed to the address on file for your Commerce Bank mySpending Card® account. Fees may apply.1

Should your Commerce Bank mySpending Card® account become negative for any reason, your next deposit will be applied toward the negative balance. Cardholders will be held responsible for any negative balance and any applicable fees.

You may check your balance online at www.commercebank.com/mySpendingcard or by using Commerce Bank Online Banking or Mobile Banking, or by calling 1-888-373-2883. You may also go to any ATM and perform a balance inquiry to obtain your balance. Fees may apply.1 You can also sign up for text alerts and choose to be notified automatically of your updated balance, transactions or deposits.5

  • You may view your transactions and monthly statement online at www.commercebank.com/mySpendingcard, by calling 1-888-373-2883, or by using Commerce Bank Online Banking or Mobile Banking.
  • Text alerts can be sent to your mobile device. You can choose to be notified of your balance on a daily basis, after each transaction, or after a deposit has been made.5

Withdrawing Cash

You may obtain cash from your Card by using your PIN at an ATM displaying the Visa® or Plus® logos. Should you use a non-Commerce Bank ATM, you may be subject to ATM transaction fees. You may also get cash back from a participating merchant when you make a purchase using your PIN. A cash withdrawal from a teller at a financial institution that accepts Visa® is also available. Fees may apply.1

No, we are unable to customize the limits on the mySpending Card®

A withdrawal limit has been placed on your Commerce Bank mySpending Card® account for your protection. If your Card and PIN become compromised, the amount someone can withdraw from your Card is limited.

Yes. You may withdraw up to the lesser of $1,000 per day, and up to $1,500 per 7-day period, not to exceed the balance available on your Card. Individual ATM limits may also apply. Fees may apply.1

Security

Immediately contact the Commerce Bank mySpending Card® Center at 1-888-373-2883 or by writing Commerce Bank, PO Box 411036, Kansas City, MO 64141-1036. Visa’s Zero Liability6 policy protects you from unauthorized use.

Please contact the Commerce Bank mySpending Card® Center at 1-888-373-2883. The customer service representative will make sure you receive a replacement Card in a timely manner.

Available funds on the Card do not expire. However, there is a "good thru" date printed on the front of the Card needed by merchants to process a transaction. Commerce Bank will mail you a new Card before the "good thru" date passes, pursuant to the terms of the Cardholder Agreement [PDF]. For more information, please see the Cardholder Agreement [PDF].

When establishing a username and password if you have already activated your card please select “need username” and please ensure that you are entering your birthdate as VISA requests it. If the problem persists check to see if you are experiencing issues with your browser or see if you have disabled cookies on your browser. For more information or if you are experiencing issues please contact our support line at 888-373-2883.

Immediately contact the Commerce Bank mySpending Card® Center at 1-888-373-2883 and follow the instructions for reporting a lost or stolen Card. If you tell us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. A replacement Card can be ordered and mailed to you. Visa’s Zero Liability6 policy may further protect you from unauthorized use.

Immediately contact the Commerce Bank mySpending Card® Center at 1-888-373-2883 or by writing Commerce Bank, PO Box 411036, Kansas City, MO 64141-1036. Visa’s Zero Liability6 policy protects you from unauthorized use.

Disclosures:

  1. Please refer to the Cardholder Agreement [PDF] for a complete fee schedule.
  2. Some restrictions apply. Secondary cards purchased at an instant issue capable branch will be available after 2 p.m. the following day. 
  3. 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.
  4. This is covered in the Cardholder Agreement [PDF] under the Commerce Bank mySpending Card® Fee Schedule and the section regarding Foreign & U.S. Currency/Conversions Rates and Fees.
  5. There is no fee for text alerts, but standard text rates and/or web access charges from your wireless phone carrier may apply. See your wireless phone carrier for details.
  6. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.