Commerce Bank mySpending™ Card Fee Schedule


Commerce Bank mySpending™ Card
Fee Type Fee Description Fee Amount
Card Purchase Fee

Fee to purchaser for purchase of a Card. This fee is due at the time of purchase at a Commerce Bank branch or on our website.

If your card was ordered using a paper application, this charge will instead be deducted 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 $2.00
Reload Fees*
Value Reload Fee via Debit or Credit Card Fee associated with load source (debit or credit card) at the time of the load
$0 (Commerce Bank cards)
$2.50 (non-Commerce Bank cards)
Cardholder Transaction Fees**
ATM Balance Inquiry Fee Domestic Fee for balance inquiry transaction
$0 (Commerce Bank ATMs)
$2.00 (at non-Commerce Bank ATMS)
ATM Balance Inquiry Fee International Fee for balance inquiry transaction from an international (non-US) ATM $2.00
ATM Cash Withdrawal Fee Domestic Fee for withdrawal transaction from a domestic ATM.
$0 (Commerce Bank ATMs)
$2.00 (at non-Commerce Bank ATMS)
ATM Cash Withdrawal Fee International Fee for withdrawal transaction from an international (non-US) ATM $2.00
Teller Cash Withdrawal Fee Domestic Fee for Teller Cash transaction from a US Financial Institution $5.00
Teller Cash Withdrawal Fee International Fee for Teller Cash transaction from a non-US Financial Institution $5.00
International Service Fee Fee for multi-currency conversion 2%
Service Assessment Fee Fee for single currency international transaction done in U.S. Dollars 2%
Other Cardholder Fees
Monthly Fee Fee for monthly maintenance of the Card account Free
Paper Statement Fee Fee for statement that is sent via USPS $3.00
Lost/stolen Card Replacement Fee Fee for replacement of a Card that has been lost or stolen 1 Card per year at no charge; $5.00 per Card thereafter
Damaged Card Fee Fee for replacement of a damaged Card $10.00
Express Delivery Fee Fee for the express shipping of a Card $20.00
Automated Phone Service Call Fee Fee for accessing the Automated Voice Response Unit (VRU). One call per week at no charge; $0.50 per call thereafter.
Live Customer Service Call Fee Fee or a call that is assisted by a Customer Service Representative (CSR) First 5 calls per calendar year at no charge; $1.50 per call thereafter.
Statement Copy Request Fee Fee for a request to a CSR to Print/Mail their statement. $2.00
Unload and Close Fee Fee for paper check refund request for Card account closure $15.00
Text Alert Fee*** Fee for processing text alerts First 100 text alerts per month at no charge; $0.15 per text thereafter.

Disclosures:

  • 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.