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Security Practices

At Commerce Bank, we take the security of your account very seriously.

Protecting your privacy is important to us, and Commerce Bank takes measures to help ensure that your information remains secure. We guard against unauthorized access to customer information, and we are committed to taking the appropriate action to protect against fraud.

As a general business practice, we do not ask for sensitive personal information by unsolicited email, unsolicited phone calls or text messages. If you have any questions or concerns about any unsolicited email, unsolicited phone calls or text messages that you receive, please call 800-453-2265 or send an email to

What We Do To Protect Your Information

Commerce Bank applications utilize the following technologies:

  • 256-bit Secure Socket Layer (SSL) technology, which encrypts the transmission of your data to our site.
  • Multiple network and application firewalls that protect our systems from unauthorized access.

Online Banking incorporates the following security practices:

  • Unique Customer ID and Password, which is known only to you.
  • Enhanced Security, our multi-factor authentication solution, verifies your identity at login.
  • 256-bit Secure Socket Layer (SSL) technology, which encrypts the transmission of your data to our site.
  • Extended Validation (EV)-SSL certificates, which enables visual displays within high security browsers, causing the URL address bar to turn green for greater confidence that you are at our site.
  • Multiple network and application firewalls that protect our systems from unauthorized access.
  • Time-out feature, which automatically logs you out of our system after a period of inactivity.
  • Email inside our Online Banking system, should you need to communicate with us regarding your account.
  • You can read more about our Online Banking Guarantee.

Enhance the Security of Your Account

You can also take steps to enhance the security of your account information:
  • Use email inside Online Banking to send emails that contain your account information to us.
  • Change your password periodically. Always be sure to choose a password that's difficult to guess.
  • Install anti-virus, anti-spyware and personal firewall software on your computer and mobile device.
  • Use a dedicated computer, separate from email, gaming and general web browsing, for completing online financial transactions.
  • Password-protect your mobile device and always keep it in a safe place.

Your Responsibility

You are responsible for keeping your information confidential. This includes your:
  • Customer ID
  • Password
  • Enhanced Security methods and settings
  • Account number
  • Personal information and account data
You are also responsible for informing us immediately if you believe there has been an unauthorized transaction in your account or you believe the security of your password has been compromised. To report any such activity, call us at 800-986-2265.

Commerce Bank is not responsible for customer errors or negligent use of our Online Banking services.


Commerce takes many measures to protect your personal information, including the introduction of the Message Center. This method of email communication is a service for our business partners and customers to communicate with Commerce representatives in an environment that eliminates the need for the message to travel over the internet and eliminates your dependence on the security practices of a third party website provider. We provide a similar environment to emails sent through Online Banking.

Identity Theft and Types of Fraud

Identity Theft occurs when someone uses your personal information without your permission to commit fraud. Many people are falling victim to a new breed of criminal known as "identity thieves." These are crooks who operate in both the physical and virtual worlds, searching for opportunities to steal valuable pieces of personal information that belong to someone else. Learn more about Identity Theft:


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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