Alerts FAQs

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Alerts[PDF]

Commerce Alerts are messages sent by email and/or text that help you stay informed about important account information and can assist you in keeping your accounts secure.

Account & Card Alerts and Profile Alerts

Alerts are sent to you after the triggering event has taken place and should be utilized as an after-the-fact notice of a completed transaction or event. Alerts do not allow you to prevent certain transactions or events from occurring or give you the opportunity to confirm transactions or events prior to them taking place. If you have any questions or concerns about the event described in an Alert, contact us 800-453-2265.

Profile Alerts notify you when changes are made to certain account-related information, such as a change to your Online Banking Password or Customer ID. Being alerted to these types of changes can help you detect potential fraud. Profile Alerts are automatically enabled when you sign up for Alerts. They can be turned off, but we encourage you to keep them turned on to help protect your account(s).

Account & Card Alerts notify you of important account activity, such as when you have insufficient funds in your account or when a card is declined. When you sign up for Alerts, you can select which Account & Card Alerts you would like to receive. If you have a consumer debit or credit card, the “Suspicious card activity” Alert and the “Card Locked/Unlocked” will be automatically enabled when you enroll in Alerts. The “Suspicious card activity” Alert can only be disabled by unenrolling in Alerts.

To set up Commerce Alerts, login to Online Banking and click “View & Manage Alerts” under "Customer Service" and follow the on-screen prompts. After signing up for Alerts, you may also sign up for text Alerts. Click the “Sign up for text Alerts” link in the Delivery Methods box on the left-hand side of the “Manage Alerts” page and complete the enrollment process. You may then choose which types of Alerts you would like to receive. By signing up for Alerts, you are automatically signed up for Profile Alerts. Profile Alerts can be disabled, but we encourage you to keep them enabled to help protect your account(s). Please be sure to adjust your email setting to allow emails from commercebankalerts@commercebank.com.

To make changes to your Alert preferences, login to Online Banking and go to “View & Manage Alerts” under "Customer Service”. You may click the edit icon next to an email address or mobile phone number if you wish to edit this information. You can also enable or disable Alerts, choose to send a specific Alert to a designated delivery method, edit or select criteria amounts, view Alerts History, or add a new email address or mobile phone number.

Profile Alerts will be sent after an event occurs that triggers a Profile Alert.

Alerts related to a checking, savings or money market account are based on the previous business day’s posted transactions. Some exceptions are the “Direct deposit received” Alert and the “Account Withdrawal is greater than or equal to your specified amount" Alert. If you sign up for the "Direct deposit received" Alert and we receive your direct deposit before 9:00 p.m. CT, in most instances you will receive your Alert the same day the direct deposit is received. If you sign up for the "Account withdrawal is greater than or equal to your specified amount" Alert, in most instances, you will receive real-time Alerts for pending transactions when electronic transactions are authorized.

Consumer credit and debit card Alerts will be received near real-time. These Alerts are triggered after the associated transaction is authorized or declined. For example, the “ATM withdrawal or Cash Advance” Alert will be generated after you withdraw cash from an ATM with your debit card. The “Card purchase is made online, over the phone or by mail” Alert will be received after your credit card is used to make a purchase online.

The timing of the credit card Payment and Balance Alerts will depend on the Alert. The “Payment was received” Alert will be generated the day after your payment is processed. The “Payment is due in the number of days you specified” Alert will be sent based on the number of days you select. The “Available credit is less than or equal to your specified amount” and “Balance is equal to or exceeds your specified amount” Alerts will be received in real-time after a transaction is authorized that affects your available credit or account balance.

Yes, you can choose to have text Alerts sent to your mobile phone number via text message. Text messages are sent from Commerce Bank short code (66372.)

To change your mobile phone number, log in to Online Banking and go to “View & Manage Alerts” under “Customer Service.” Click the edit icon next to your mobile phone number in the “Delivery Methods” box and follow the instructions.

The mobile phone service providers that support this service are: AT&T, T-MobileTM, Verizon, Sprint, Alltel (Now includes Midwest), Virgin Mobile, C Spire (formerly Cellular South) nTelos, Cellcom, U.S. CellularTM, ACS Wireless, Bluegrass, Cellone Nation, Cellular One of East Central Illinois, Centennial, Cox Wireless, East Kentucky Network, Element Mobile, GCI Communications, Golden State Cellular, Immix, Inland Cellular, iWireless, Nex-TechWireless.

To stop receiving text Alerts, log in to Online Banking and click “View & Manage Alerts” under "Customer Service". Click on the “Stop receiving text Alerts” link in the Delivery Methods box on the left side of the page. A pop-up will be displayed in which you can click a checkbox next to the mobile number(s) you want to remove from Alerts. Check the appropriate box and click “Submit” and Alerts will no longer be sent to that number Or, text “STOP” to the Commerce Bank short code 66372. For complete terms and conditions regarding text Alerts and how to unsubscribe, consult your text Alerts Terms and Conditions.

Your mobile phone service provider may be blocking the use of “short codes” on your mobile phone even though it is enabled to receive text messages. Please contact your service provider to make sure they are not blocking short codes.

Commerce Bank does not charge a fee to send text Alerts. Check with your mobile phone service provider for your plan details. Message and data rates may apply.

Disclosures:

† To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

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The information provided on this website is not meant as a recommendation or endorsement of any specific security or strategy. An individual’s situation can vary; therefore the information provided above should be relied upon only when coordinated with individual professional advice.

Mutual funds, annuities, and other investment products:

Not FDIC-insured

May lose value

No bank guarantee

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