How to Switch Banks.
Switching to Commerce Bank should feel seamless.
Switching banks is a decision that doesn’t need to disrupt your day. Commerce Bank helps you transition at your own pace with help along the way.
Open an Account Online Find a Branch opens in a new windowHow to Switch Banks.
Switching to Commerce Bank should feel seamless.
Switching banks is a decision that doesn’t need to disrupt your day. Commerce Bank helps you transition at your own pace with help along the way.
Open an Account Online Find a Branch opens in a new windowThinking about Switching Banks?
People change banks for all kinds of reasons. Maybe you’ve moved or want to avoid monthly fees, but it doesn’t need to be a complicated process.
With the right plan and support, transitioning your checking account can be smooth and manageable. At Commerce, we are here to help you start fresh with options designed for real-life banking.
Steps to switch your checking account
1
Open your checking account.
Start by setting up your new account before making additional changes. You can do this online or at a branch.
2
Activate online banking.
Register your new account with Commerce Bank Online Banking to bank wherever and whenever you need to.
3
Update your direct deposit.
Share your new account details with your employer or benefits provider so your money lands where you want it without delay.
4
Change recurring payments.
Look at subscriptions, utilities and other automatic payments, and switch them to the new account as they come up.
5
Move remaining funds.
Once active, transfer over your remaining balance. Many people will wait at least 1 to 2 payment cycles before initiating the transfer.
6
Close your old account.
There’s no rush. Many people wait a few pay cycles before closing their previous account completely.
What does switching banks mean?
Switching banks is a gradual process, not a single action. Many customers transition in stages to ensure their payments and deposits continue without interruption.
If you’re planning to change banks, the process often includes:
- Establishing your new checking account.
- Redirecting income and regular payments.
- Closing your old account once everything has settled.
- Moving additional accounts, such as a savings account, to your new bank.
Many customers choose to overlap accounts for a brief time. That way, deposits and payments can fully transition without interrupting your day-to-day finances.
Why switching to Commerce is simple.
We know that switching banks can be a lot to take in. When you’re ready to bank with Commerce, you’ll have tools and people ready to help.
With Commerce Bank, you can:
- Open an account online or at a local branch.
- Get guidance from personal bankers if you have questions.
- Manage deposits, payments and spending with digital tools designed for everyday banking.
Why switching to Commerce is simple.
We know that switching banks can be a lot to take in. When you’re ready to bank with Commerce, you’ll have tools and people ready to help.
With Commerce Bank, you can:
- Open an account online or at a local branch.
- Get guidance from personal bankers if you have questions.
- Manage deposits, payments and spending with digital tools designed for everyday banking.
Why start the switch with a free checking account?
A free checking account is a simple way to begin the switch without overthinking it. You can move at your own pace while enjoying everyday banking features right away.
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No monthly service fee
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Access online, in-app or at a branch
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Instant-issue debit card in most branches
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Mobile and online banking tools
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Zelle®footnote 1 and External Transfersfootnote 2
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Early Pay
Common concerns about switching banks.
It’s completely normal to feel hesitant about changing something as important as your bank account. To help avoid disruption, many people keep their old account open while they update direct deposit and recurring payments. This short overlap makes it easier to confirm everything is working smoothly before fully using your new checking account.
There is also no set timeline for closing an old account. It’s recommended to give yourself at least 1-2 pay periods before fully closing your old account.
Switching Banks FAQs
How long does it take to switch banks?
What do I need to open a new checking account?
Is it free to open a checking account?
Can I switch banks online?
Do I have to close my old bank account?
Helpful resources for switching banks.
Ready to make the move?
Switching banks doesn’t have to disrupt your routine. With flexible options and local support, Commerce helps you move forward with confidence.
Open a Free Checking Account Find a Branch Near You opens in a new window
Ready to make the move?
Switching banks doesn’t have to disrupt your routine. With flexible options and local support, Commerce helps you move forward with confidence.
Open a Free Checking Account Find a Branch Near You opens in a new window
Disclosures:
- Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used here in under license.
- Fees may apply for External Transfers, depending on the speed of the transaction.
Deposit Agreement & Disclosures
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