Featured Savings Rates
Featured Accounts
Overview / Commentary
800-453-2265
1000 Walnut Street
Kansas City, MO 64106

Commerce Bank is headquartered in Kansas City and is the largest bank in the state of Missouri. It is also the 67th largest bank in the nation. It was established in 1984 and as of September of 2017, it had grown to 4,690 employees at 185 locations. Commerce Bank has an A health rating.

Related Posts

View all posts from:


Choose Commerce Bank!

Posted by: taylorsiff | Nov 5, 2014

Commerce Bank is my first and only bank. It is great. They have no hidden fees and great customer service. Their employees are friendly and very helpful. I chose this bank when I opened my very first checking account and they have been so good to me every step of the way. This bank makes me feel like a team member, not just a customer and I trust them with my fund whole-heartedly. I am so happy that out of all the banks that were suggested to me, I chose Commerce.

Commerce Bank evaluation

We have been banking with Commerce Bank for over 14 years now. My husband and I both started out with this bank separately, but knew that it would be easy to stay with them (I even worked for them for awhile). They have been great when you have to speak with a rep over the phone or even friendly if you see them in person. Their rates are pretty comparable to other banks, but again since we have banked with them for so long, we choose to continue to stay with them. We have had instances where when our account was compromised, they were there for us and helped us every step of the way. They granted us funds right away and we never had to call, hassling someone or even speak to managers. We have checking accounts, savings accounts, a safety deposit box and even a 529 plan on their brokerage side! Although they have several branches, we have our chosen few that we choose to visit and do business with. Their online banking experience is easy to navigate and not overwhelming at all. When we have experienced a short time with fees and such, they have been happy to reverse those, as we do everything we can to keep our account in good standing! Overall, we are extremely happy with the customer service, the quick responses that we receive if we call and the wonderful atmosphere when you walk through the door! I would highly recommend this bank to anyone!

Commerce Bank

Posted by: Mersener | Dec 8, 2017

Commerce Bank's online banking isn't the worst but it isn't necessarily the best either. One time I needed to view my transaction history that was older than 6 months and I wasn't allowed to. I had to request a CD and pay for it. Previously I was with US Bank and this was never something I had experienced in the past. I don't feel like I should have to pay for my transaction history, it should just be available. There have been numerous times that I had to contact customer service because the site was down and half the calls were good and about half were bad. Overall banking online isn't too bad unless you need to view your transactions older than 6 months. I like that they have a messaging feature which I had never experienced previously.

Commerce bank

Decent bank, customer service was great several years ago but has become quite bad the last few years. Very few atms make it hard not to get charged fees when you are out of your particular city, thus accumalating alot of fees. Online seems great, quick to use and usually pretty accurate

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
FDIC Certificate #24998
Year Established1984
Employees4690
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD12.93%
Annual Interest Income$570.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$24.84B$24.61B
LoansQ3 2017vs Q3 2016$13.61B$13.09B
DepositsQ3 2017vs Q3 2016$20.59B$20.18B
Equity CapitalQ3 2017vs Q3 2016$2.39B$2.33B
Loan Loss AllowanceQ3 2017vs Q3 2016$157.8MM$154.5MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$28.9MM$31.8MM
Real Estate OwnedQ3 2017vs Q3 2016$5.3MM$4.4MM
Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Commerce Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Commerce Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$100-myRewards Savings
0.02%$100-Personal Savings

Commerce Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-CommerceOptions Premium Money Market Account
OTHER TIERS: 0.07% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.15%$250-Money Market IRA
0.10%*$50k*-Premium Money Market Account
OTHER TIERS: 0.02% Up to $25k | 0.05% $25k - $50k
0.02%$500-Personal Investment Savings
0.02%$500-myRewards Money Market

Commerce Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Commerce Relationship Checking
0.01%$100-Commerce Interest Checking

Commerce Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--5 Year CD
0.40%--4 Year CD
0.35%--3 Year CD
0.30%--2 Year CD
0.25%--1 Year CD
0.10%--6 Month CD
0.05%$2,500-3 Month CD
Locations

Availability