mySpending Card® Fee Schedule


Summary of fees for Commerce Bank mySpending Card®
Monthly Fee Per Purchase ATM Withdrawal Cash Reload
$0 $0 $0

in-network

$2.50

out-of-network

$0
ATM balance inquiry (in-network or out-of-network) $0 or $2.50
Customer service (automated) $0.50 per call
Inactivity (after 12 months with no transactions) $0
We charge 6 other types of fees. Here are some of them:
International transaction 2% of each transaction
In-person cash withdrawal (U.S. or non-U.S. institution) $5.00
No overdraft/credit feature.
Your funds are eligible for FDIC insurance.
For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all fees and services inside the package, or call 1-888-373-2883 or visit commercebank.com/mySpendingCard.
Detailed list of all fees for Commerce Bank mySpending Card®
Fee Type Fee Description Fee Amount
Getting Started
Initial Value Load Fee This charge will be deducted automatically from the first load made to the Card. The description will be displayed as "Initial Value Load." $5.95
Secondary/Additional Card Fee Fee for additional Card on same Card account (Up to two). $2.00
Monthly Usage
Monthly Fee Fee for monthly maintenance of the Card account. Free
Adding Money
Direct deposit   Free
Cash reload
Free
Debit card reload Fee associated with Commerce Bank debit card load through commercebank.com/mySpendingCard at time of load. Free
Online banking transfer Fee associated with transferring funds from a Commerce Bank Checking or Savings account. Free
Getting Cash
ATM withdrawal (in-network) "In-network” refers to the Commerce Bank ATM Network. Locations can be found at commercebank.com/locations. Free
ATM withdrawal (out-of-network)**
This is our fee. "Out-of-network” refers to all the ATMs outside of the Commerce Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
$2.50
In-person cash withdrawal This is our fee for a teller-assisted cash withdrawal at U.S. and non-U.S. financial institutions. Other financial institution may also charge you a fee for in-person cash withdrawals made at their locations. Finally, you may be charged a fee by other third parties for cash withdrawals made at the point of sale (cash back). 
$5.00
Information
Customer service (automated)* Per call. Fee may be charged each time you contact our automated customer service line, including for balance inquiries or loading funds. One call per week per Account at no charge; $0.50 per call thereafter. $0.50
ATM balance inquiry (in-network)
"In-network" refers to Commerce Bank ATM Network. Locations can be found at commercebank.com.
Free
ATM balance inquiry (out-of-network)**
This is our fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
$2.50
Text alerts*** You may elect to receive mobile text alert messages, including your Card balance, signing into your online account at commercebank.com/mySpendingCard and designating your preferences. Standard text rates and/or web access charges may apply. See your wireless phone carrier for details.
Free
Using your Card outside the U.S.
International transaction Of the U.S. dollar amount of each transaction. 2%
Service Assessment Fee Fee for single currency international transaction done in U.S. Dollars 2%
International ATM withdrawal This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. $2.50
International ATM balance inquiry This is our fee. You may also be charged a fee by the ATM operator. $2.50
International teller cash withdrawal Fee for teller cash transaction from a non-U.S. financial institution. $5.00
Other fees
Inactivity Fee charged each month after you have not completed a purchase or withdrawal with your card for 12 months. Free
Card replacement 
Per Card. In the event your Card is lost, stolen or damaged, you may request a replacement Card twice per year per Account at no cost. You will be charged $5.00 per Card for subsequent replacement Cards within a calendar year.
$5.00
Express delivery
You will be charged $25.00 in the event that you request express delivery of a Card.
$25.00
Unload and close
In the event that you request funds be unloaded and your Card closed, we will provide you with a check in the amount of the remaining balance, less any fees owed.
$15.00

Disclosures:

mySpending Card® long form disclosure

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

** When you use an ATM not owned by Commerce, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer at the ATM). In addition, you may be charged fees by other third parties for use of your Card, such as (i) stores and merchants for POS transactions, and (ii) other banks and financial institutions for cash withdrawals at their branches.

*** You can elect to have text alert messages, including your Card balance, sent to your cell phone by signing into your online account at www.commercebank.com/mySpendingcard and designate your preferences. Standard text rates and/or web access charges from your wireless phone carrier also may apply. See your wireless phone carrier for details.