Mobile Banking FAQs

What is the difference between Online Banking and Mobile Banking?
Mobile Banking is designed specifically for mobile devices, so it will display properly and be easy to navigate. Online Banking at can be accessed with a computer, tablet or phone, but is designed for computers. The things you do most often can be done through either Online Banking or Mobile Banking, such as checking your balance, reviewing transactions and paying bills. A few tasks can only be done through Online Banking at, such as enrolling for Bill Pay, signing up for Account Alerts or changing your address. Commerce Mobile Deposit is only available through the Commerce Bank Mobile Banking Apps for iPhone, iPad and Android, because it requires the use of the device’s camera.
What can I do with Mobile Banking?
You can view balances and account activity, complete transfers between Commerce accounts, pay bills and deposit checks.
How much does it cost to use Mobile Banking?
There is no fee to use Mobile Banking, although fees may apply for certain services within Mobile Banking. See the Mobile Banking Terms and Conditions for more information. Message and data usage fees may apply; check with your wireless or VoIP provider for more information.
How do I enroll for Mobile Banking?
If you’re a Commerce Online Banking customer, no additional enrollment is needed; just download the App from the App Store or the Google Play store. Otherwise, you must enroll for Commerce Online Banking in order to access Commerce Mobile Banking.
How do I download the Commerce Mobile Banking App?
Visit the App Store for your iPad and iPhone, or Google Play for your Android device, and search for "Commerce Bank."
What devices work with Mobile Banking?
Android, iPhone and iPad devices with the following Operating Systems are supported:
  • Android™ (Android):
    • 2.1 or later
  • Apple® (Apple) iOS:
    • iOS 4.3 or later
I’ve downloaded the app; how do I sign in for the first time?
On the login page, enter the same Customer ID and Password you use for Online Banking. If prompted, answer your challenge question, then review and accept the Terms and Conditions.
What if I don’t remember my Customer ID?
Please contact us at 800-986-2265 if you don’t remember your Customer ID.
What if I don’t remember my Password?
If you have forgotten your Password, click on the "Forgot Your Password?” link on the Online Banking Login page. Please provide the information requested and click “Continue.” Once the information is verified, you will be able to choose a new Password. Or, you can call Customer Service at 800-986-2265 for assistance. Passwords cannot be reset within Mobile Banking.
What is “Remember Me”?
By choosing to “Remember Me” you will not be required to enter your Customer ID each time you log in to Mobile Banking.
What if I become locked out of Mobile Banking?
Please contact us at 800-986-2265.
What happens if my mobile phone or iPad is lost or stolen?
You should follow all steps recommended by your service provider if you lose your phone or iPad. Please contact us at 844-782-7206 if you have any questions.
How secure is Mobile Banking?
o Mobile Banking employs commercially-reasonable security practices to help protect your account information. Our security measures include Secure Socket Layer (SSL) 256-bit encryption and device recognition technology which may occasionally challenge you with security questions. Our login helps verify your identity efficiently and safely.
Can I transfer funds in Mobile Banking?
Yes, you can transfer funds between your eligible Commerce accounts using Mobile Banking.
How do I sign up for Online Bill Pay?
Online Bill Pay enrollment cannot be completed within Mobile Banking. You can sign up for Online Bill Pay when you activate your Online Banking account, or by clicking “Pay Bills” at the top of the Online Banking screen. Once your enrollment is processed, you will be able to pay bills from your mobile device.
Can I use Mobile Banking outside of the U.S.?
Yes, as long as your mobile carrier offers Internet service in the country you are visiting. Any additional charges from your carrier will apply (e.g. roaming, access, text charges, etc.). Note: The ability to use Commerce Mobile Deposit isn’t available outside the U.S.


  • 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.