Small Business Online Banking FAQs

Getting Started

What can I do with Small Business Online Banking?
Online Banking is the quick, easy and smart way to manage your money. With Online Banking, you can
  • Check your account balances and review your transactions
  • Confirm which checks, deposits, withdrawals and ATM transactions have cleared
  • Transfer funds between Commerce accounts
  • Keep track of your Commerce Credit Card transactions
  • Export your banking information to your personal financial management software, such as Quicken® and QuickBooks®
  • Communicate with Commerce Bank Customer Service via secure email
  • Bank on the go with Mobile Banking
  • Manage your accounts with email and text Alerts
  • Nickname your accounts
  • View up to 7 years of statements and checks from the last six months
  • Pay bills online – FREE for myBusiness Checking, myBusiness Select Checking and Small Business Options Checking accounts.
How do I activate Online Banking for my business?
Simply go to the Small Business Online Banking page and choose "Enroll Now" for Online Banking through the Internet.
What are the requirements for enrolling my business in Online Banking?
Generally, you must have designated a Small Business Online Banking Administrator (1 common Administrator) on your business’ signature cards. For accounts opened prior to April 16, 2013, your signature cards will need to be updated.
Can I activate Online Banking if I don't live in the United States?
Yes. Commerce Bank customers may activate Online Banking through the Internet regardless of their mailing address. Unfortunately, customers with a foreign address are not able to enroll in Online Bill Pay or Online Banking through Quicken® or QuickBooks® at this time.
Can I use any Internet Service Provider?
Yes, you can access our site through almost any Internet Service Provider (ISP).
Do I need any special software for Online Banking?
No, as long as you have access to a computer with Internet access and the latest version of a supported browser.
What browsers are supported by Online Banking?
Customers can access Online Banking with the following browsers:

PC:
  • Internet Explorer® 8.0 or higher
  • Chrome®
  • Firefox®
Macintosh®
  • Safari®
  • Chrome®
  • Firefox®
For additional information on these browsers and how to download them, please visit their websites:
Where can I review all of the details about Online Banking?
Just click below or click the link on any page in the Online Services section of our site to review or print the Online Banking Terms and Conditions. These Terms and Conditions contain many details about our online services as well as information regarding important legal matters. If you would like a printed copy mailed to you, please contact Small Business Online Banking Customer Support by calling 866-365-9346 or by sending a secure message from within Online Banking or through standard Internet email to mymoney@commercebank.com.
What if I have more questions or need additional assistance with my Online Banking?
Many of your questions can be answered by using the online "Help" feature. From within Online Banking, just click on the "Help" link, or click on the "Help with this page" link. You'll find information that's specific to the page you're viewing. If you are using Online Banking through Quicken® or QuickBooks® please contact the software provider.

If you can't find the answer here, you can call Small Business Online Banking Customer Support at 866-365-9346. This service is available: Monday through Friday 7:30 a.m. - 10:00 p.m. (CT) and Saturday 7:30 a.m. - 4 p.m. Or, you can ask your questions by sending a secure message from within Online Banking.
How do I choose a secure Customer ID and Password?
For your protection, please keep in mind the following guidelines as you select a Customer ID or Password for Online Banking through the Internet:
  • Customer ID Requirements: Your Customer ID must be between 6 and 32 characters. It should be a mixture of both letters and numbers. It is not case sensitive. It may not contain special characters, and it cannot be the same as your Password.
  • Password Requirements: Your Password must be between 8 and 32 characters. It is case sensitive, and must contain a mixture of lower-case letters, upper-case letters, at least one number and at least one of the following special characters: - ' . , @ : ? ! ( ) $ \ / % ^ * + | { } [ ] ~ ` # .
  • Additional Password Recommendations: To increase the security of your Online Banking, your Password must not contain any letter or number repeated 3 or more times consecutively, such as AAA or 111. Also, it should not include any part of your name or initials or any four consecutive numbers of your social security number, phone number or address. We recommend that you do not use common words. Finally, do not write down your Password or share it with others.
What are the fees for Small Business Online Banking?
The fees for Online Banking are based on the method of access and the services you select.
  Through the Internet Through Quicken® or QuickBooks®
Small Business Online Banking FREE for myBusiness Checking, myBusiness Select Checking and Small Business Options Checking accounts. $10 per month per Tax ID, includes 8 sessions; $1.00 for each additional session.
Small Business Online Bill Pay FREE for myBusiness Checking, myBusiness Select Checking and Small Business Options Checking accounts. Other accounts: $6.95 per month for up to 20 payments; $.60 for each additional payment. First two months free, then $10 per month for up to 20 bill payments; $7.00 for each additional group of up to 10 payments.
What are the methods of access?
We offer Online Banking through the Internet at www.commercebank.com, your mobile device and through your financial management software (PFM), including Quicken® and QuickBooks®.

Using Online Banking

When attempting to log in, I receive a message that cookies must be enabled. What do I need to do?
Websites store information in a small text file on your computer called a cookies. When attempting to log in, if you receive a message that cookies must be enabled, and you have verified that cookies are enabled in your browser settings, please check to be sure that the date displayed on your computer is today's date. If the date is incorrect, please adjust your computer settings to correct the date, and attempt to log in again (Instructions on changing your computer settings can be found in your computer's Help file).
Are there limits to the types of transfers I can do with Online Banking?
You may transfer funds between your business’ checking, savings and money market accounts. You may also transfer funds from a business deposit account to a business loan, credit card or Line of Credit to make a payment.

If your account is a limited transaction account (regular savings or money market account) certain limitations may apply. For more information, please refer to the Online Banking Terms and Conditions and the Deposit Agreement applicable to your account.
How much transaction history can I view online?
View your business account activity and balances for up to 24 months (Payable Balance History information is available for 90 days only). All accounts receive 6 months of account history for FREE. 12 Months of account history is FREE for Small Business Options Checking and $5.95/year for all other account types. 24 months of account history is $9.95/year for all account types. Renewal fees will be charged annually, based on the date you signed up, and will be determined based on the account types you have at the time of renewal. To sign up for Additional Account History log in to Online Banking and click on the Customer Service Tab.
Is there a way to save my account information to my computer?
You may export your transactions to a file, from the "Transaction Download" screens. Choose "Accounts" then "Download Transactions". Select the "Account", a "From" and a "To" date, the type of file you'd like to "Download To" and select "Download". You may select Money (.OFX), QuickBooks® (.QBO), Quicken® (.QFX) or Comma Separated (.CSV).
How do I change my Password and Customer ID?
You may change your Password and Customer ID for Small Business Online Banking through Small Business Online Banking by clicking “My Profile” under "Customer Service", then "Password or Customer ID". You will be asked to verify your current Password or Customer ID and to select a new Password or Customer ID. As you select a new Password or Customer ID, please refer to the guidelines above.
What kind of accounts can I view with Small Business Online Banking?
Small Business Online Banking provides access to your Commerce Bank business checking, savings, and money market accounts and certificates of deposit, as well as your Commerce Bank Visa® business credit card accounts, loans and lines of credit. Sole Proprietorships and Sole Member LLCs may be able to access their personal accounts through Small Business Online Banking. Please call our Contact Center at 866-365-9346 for more information.
How frequently is my account information updated?
Your pending transactions are updated in real time. These include transactions made at a Commerce ATM, in the teller line, and for certain Visa® Debit Card transactions. Your account information ("Account Detail" and "Current Balance") is updated every business day from the transactions that have cleared your account the previous day. Your "Available Balance" is the portion of your balance that is immediately available for use.
How do I change my email or mailing address?
You may change your email address, mailing address and phone number by going to "My Profile" under "Customer Service" inside of Online Banking. You'll need to change your email address in Online Bill Pay as well.
How do I get a copy of a check or statement?
Both checks and statements are available in Online Banking. For a check copy: On the “Account Activity” screen, locate the check and click "Front" or "Back" to view the check.

For a statement: In the "Accounts" section of Online Banking, go to "Statements". Click on the dropdown menus to select the Account and the Statement Period you wish to see, and then select the statement you wish to view
How do I sign up for E-Statements or change my statement option?
To stop receiving paper statements, just click on “Account Management” under “Customer Service”, and then “Choose your Statements Options/Stop Paper Statements” and follow the instructions. Statement Options include:
  • E-Statement (FREE for all accounts) – Enjoy the convenience of paperless statements; we’ll store them online and they’re accessible any time. Plus, we’ll send you an email each month to let you know when your new statement is available.
  • Paper Statement (Fees may apply for Paper Statements. Please see “Statement Options Fee Schedule" for details) – Continue to receive a paper statement every month, but we’ll store your checks for you.
  • Paper Statement with Images – (Fees may apply for Check Image Statements. Please see "Statement Options Fee Schedule" for details) – Receive your statement in the mail, plus you’ll get images of your cancelled checks each month.
No matter which option you select, your statements and check images are available to view in Online Banking. Plus you can elect to receive an email every month when your new statement is available (this is required if you elect E-Statements.)

Card and Loan Access/Payments FAQs

How do I view my business credit cards and loans in Small Business Online Banking?
If your business credit cards and loans do not already appear in Online Banking, you will need to request access to begin viewing your credit cards and loans. Requesting access is simple. Once you’ve logged in to Online Banking, click “Account Management” under “Customer Service”, and then click “Business Loan and Credit Card – Complete your access request”.
Can I make payments to my business credit cards and loans in Small Business Online Banking?
Yes. Making a payment is as simple. Using the funds transfer feature, you can make a payment from your checking account to your credit card or loan.
Is there a fee to make a payment to my credit card or loan within Small Business Online Banking?
No, making payments in Online Banking or through the mobile app to your business credit card or loan is free.
Can I make a transfer from any account?
Transfers can be made from any Commerce Bank checking or savings account that you have access to within Online Banking. You can make payments on your business credit card and loan accounts as long as they are in good standing with the bank. Business credit cards include business credit cards and QuickLines. Business loans include term loans and lines of credit.
How long does it take for the payment to post to my account?
If you make a payment to your business credit card Monday – Friday, before 7 pm CT, your payment will be credited that same day. Loan payments made Monday – Friday, before 4 pm Central Time, will also be credited the same day. Payments received after these cutoff times will be credited on the next business day.
Can I set up recurring transfers?
Yes. Payments can be scheduled to pay at any time in the future and can also be set up to pay on a recurring schedule. Certain restrictions apply to the type of payment and frequency of payments when making future-dated transfers.
Can I use funds from a different bank to pay my Commerce Bank credit card or loan?
No. Funds for payments must come from the checking or savings accounts that you can currently access within Online Banking.

Small Business Online Bill Pay (Checking Account Required)

What is Small Business Online Bill Pay?
Commerce Bank's Small Business Online Bill Pay is an Internet-based service that allows you to stay close to your money and pay your bills with ease - anytime, anywhere. With just a few clicks, Small Business Online Bill Pay lets you set up your bills to be paid, either once or on a recurring basis, to nearly any person or business in the United States. You may also receive bills electronically directly into your Small Business Online Bill Pay account. Imagine, no more hand writing checks, buying stamps, licking envelopes, or making trips to the post office. You'll like the way it will simplify your life.
I’m new to Small Business Online Banking, how do I enroll in Online Bill Pay?
You must first activate Online Banking. During that activation process, you can either enroll in Online Bill Pay at the same time or you can enroll in Online Bill Pay at a later time. Just go to the Activation page and choose your preferred method of access.
I've already activated Online Banking. How do I enroll in Small Business Online Bill Pay?
Go to the Small Business Online Bill Pay page and click on Enroll Now.
Whom can I pay using Small Business Online Bill Pay?
You can pay almost anyone in the United States.
Note: You may not make a payment of alimony, maintenance, child support, taxes or other governmental fees or court directed payments through the service. For more information, please see the Online Banking Terms and Conditions.
From what types of accounts may I make payments?
Payments can be made from any of your Commerce Bank Small Business checking accounts.

Sole Proprietorships and Sole Member LLCs may be able to make payments using their personal accounts. Please call our Contact Center at 866-365-9346 for more information.
When is the money withdrawn from my account for the bills that I pay online?
The date that money is withdrawn from your account varies based on the payment method. If a paper draft is used, the money will be withdrawn when the check clears. If an electronic method is used, the money will be withdrawn on the due date. For more information, please see the Online Banking Terms and Conditions.
How long does it take for a payment to reach the recipient?
In many cases, your payment can be posted the next day, however, some payments may take up to five business days to reach their destination and be processed. The Calendar icon will show you the first available pay-date for your payment. For more information, please see the Online Banking Terms and Conditions.
When can I schedule a payment?
You may schedule a payment up to 360 days in advance. The Calendar icon in Small Business Online Bill Pay shows the earliest available payment date for that biller.
Can I access my Small Business Online Bill Pay from any computer?
Yes, as long as you have access to a computer with Internet access and the latest version of a supported browser (see question on supported browsers above).

If you are enrolled in Small Business Online Banking through PFM, you may only access your Small Business Online Bill Pay service from the computer that has your personal financial management software.
How much Small Business Online Bill Pay history can I view online?
Up to six months of bill payment history is available for viewing online, depending on the current date and your statement cycle date. For information more than six months old, please:
  • Call our Customer Care Center at 866-365-9346; or
  • Email Customer Service at mymoney@commercebank.com. For your security, please do not include sensitive information such as your Social Security Number or account number in an unsecured email. 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.
  • Come by and visit a Commerce Banker today.
What are E-Bills and how do they work?
With Small Business Online Bill Pay you can receive your bills electronically from participating billers, review them online (or print them), and then schedule payments at a future date, all in one online session. E-Bills are only available with Online Bill Pay through the Internet, not through your Personal Financial Management software (PFM).

Small Business Online Banking through Personal Financial Management Software

What is Small Business Online Banking through Personal Financial Management software (Small Business Online Banking through PFM)?
With Small Business Online Banking through PFM, your banking information is downloaded directly into your PFM software – including Quicken® and QuickBooks®. This allows you to integrate your banking information with your total financial picture, reconcile accounts quickly and easily, and keep an electronic check register.
Where can I use Small Business Online Banking through PFM?
You can access Small Business Online Banking through PFM from the computer on which you have installed your PFM software. You'll also need an Internet connection.
Can I pay bills with Small Business Online Banking through Financial Management software?
Yes – and your bill payments will automatically be recorded in your electronic register. To enroll in Bill Pay through PFM, just request Bill Pay when you enroll for Small Business Online Banking through PFM. If you're already enrolled and would like to add the Bill Pay Service, just call us at 866-365-9346 or download an application and we'll get started with your upgrade.
What happens if I upgrade my PFM Software?
Your transactions and bill payment information will transfer to your upgraded software.
What personal financial management software can I use with Online Banking?
You can access your Commerce Bank account using QuickBooks® or Quicken®:*

Quicken® for Windows (2009 or later versions) Quicken® for Macintosh 2007 QuickBooks® for Windows (2009 or later versions)

*Quicken and QuickBooks are registered trademarks of Intuit Inc.
If I use PFM software, may I still use free Online Banking through the Internet?
Yes, if you would like to use both Online Banking through your PFM software and Online Banking through the Internet, you will need to enroll for each method of access. Fees may apply based on your checking account, see the fee schedule above for more information. Online Bill Pay is only available through one method of access per customer.

Privacy and Security

How does Commerce protect the security of my information?
We employ commercially-reasonable security practices to help ensure that your account information remains private and secure. Our security measures include Secure Socket Layer (SSL) technology, data encryption, multiple firewalls, and a Customer ID and Password that's known only to you.
How is my financial information protected?
Protecting the privacy and security of your confidential financial information is a top priority. Online Banking uses security levels with end-to-end encryption. Like an ATM "PIN", your accounts are protected with a Customer ID and Password which you should not write down or disclose to anyone. To gain a greater level of protection, we recommend changing your Customer ID and Password on a regular basis. Only you should know your private Customer ID and Password, so you can help protect your data. Your Customer ID and Password are NOT known to your Internet service provider or to Commerce Bank.
Why am I being asked to set up security questions?
Your security questions help us verify your identity.
Will the system automatically remember my computer?
No, but you can ask us to remember the computer you’re using.
I use Small Business Online Banking from home and work. Can you remember two different computers?
Yes – you can ask us to remember computers that you regularly use. For your security, these should not be public computers – for example, the computers at the public library.
Will I have to answer all three questions every time I am challenged?
No, you can just answer one. We ask you to provide answers to three questions so that we can present you with different questions at different times.
Will you always ask the same question first?
No, we’ll choose randomly among your three questions.
Can I also change my Security Questions and answers?
Yes, you can – just click on “Customer Service.”

Additional Assistance

How do I contact Commerce Bank to find out more about Small Business Online Banking or if I have a question about my account?
If you would like additional information or assistance, please:
  • Call our Online Banking Customer Service at 866-365-9346.
  • Email Customer Service at mymoney@commercebank.com. For your security, please do not include sensitive information such as your Social Security Number or account number in an unsecured email. 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.
  • Come by and visit a Commerce Banker today.
What if I need help with my Small Business Online Banking service?
Contact Online Banking Customer Service by calling 866-365-9346 or by sending a secure message from within Small Business Online Banking. Password resets are available anytime by calling 866-365-9346 and selecting option 1, then option 2.
How can I get a paper copy of the Online Banking Terms and Conditions?
You may print the Terms and Conditions from our Web site or contact Online Banking Customer Service by calling 866-365-9346 or by sending secure message from within Online Banking or by email. For your security, please do not include sensitive information such as your Social Security Number or account number in an unsecured email. 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.
What if I have forgotten my Password?
If the Administrator forgets their password to Small Business Online Banking, click on "Forgot Your Password" on the Log In screen (sub-users can request password changes from their Administrator). You will then be asked to confirm your personal identifiable information that we have on file. Please provide the information that is requested and click “Continue.” Once the information is verified, you will be given the opportunity to choose a new Password.

Password resets for Small Business Bill Pay must be requested by calling 866-365-9346. A new password will be mailed to you.
What are your Customer Service Hours?
You may call Online Banking Customer Service at 866-365-9346 Monday through Friday 7:30 a.m. - 10:00 p.m. (Central Time) and Saturday 7:30 a.m. - 4 p.m. Or you may always send a secure message from within Online Banking and a Customer Service Representative will respond your question as soon as possible. Password resets are available anytime by calling 866-365-9346 and selecting option 1.

 

Security

At Commerce Bank, we take the security of your account very seriously.
Protecting your privacy is important, 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 in an effort to prevent fraud.

» Online Banking Security Practices

Disclosures:

  1. Sole proprietors may also view his/her Commerce Bank personal account activity and balances and may transfer funds between the sole proprietor's Commerce Bank business accounts and his/her personal deposit accounts.
  2. Payable Balance History information available for 90 days only. 12 Months Additional Account History is Free for the following account types: Benefits Banking Premium, Private Options Checking, Small Business Options, Small Business Options Checking and Small Business Banking Options Premium. Renewal fees will be charged annually, based on the date you signed up, and will be determined based on the account types you have at the time of renewal.
  3. Small Business Online Bill Payment is FREE for myBusiness, myBusiness Select, and Small Business Options checking accounts. A monthly fee of $6.95 for 20 payments, plus $0.60 for each additional payment may apply when enrolling personal or other types of business accounts. Refer to the Terms and Conditions for additional information.
  4. Quicken and QuickBooks are registered trademarks of Intuit Inc. Additional fees may apply.
  5. 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.
  • 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.