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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 63rd largest bank in the nation. It was established in 1984 and as of December of 2016, it had grown to 4,782 employees at 186 locations. Commerce Bank has an A health rating.

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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.

Excellent Customer Service at Commerce Bank

Posted by: ChrisWSTL | Jul 22, 2016

I have been banking with Commerce, or one of its predecessor institutions, since I was a child, and I have never had reason to leave due to its excellent customer service. The representatives, both tellers and "sit down " representatives, have always been courteous and efficient. They have even bent over backwards to help me on several occasions. One occasion was when I had a money transfer to a small bank in a small Asian country, they helped me track down the banking information. Another time I deposited a check payable to me whose account information got mangled in the automatic teller machine. The Commerce Bank representative took the time to contact her back office, figure out what the correct account number should be, and manually process it so it would go through -- all for a $26.60 check. They cheerfully refunded the returned check fee since it wasn't my fault, all to retain a long term customer. Commerce Bank has a home town feel and a great attitude toward customer service.

Commerce, Please And Thank You.

Posted by: CLWSTL | Jun 26, 2015

Commerce Bank has provided excellent customer service via their tellers, personal bank representatives, and phone customer service. I have found their website easy to use for checking balances and transferring funds (although the security check does appear fairly often.) I have generally not used their HELOC/home equity loans, however, as they seem to be a bit higher rate than other banks. Good number of locations, including non-branch ATMs; however not as many as I'd like.

No Way To Call Bank

I am not a customer of this bank. I tried to call the bank for some general information for three hours on and off but the call was never answered. If I let it ring long enough I was eventually disconnected. I tried calling one of the number listed for service for bank customers. Same thing - I would call, go through layers of sales pitches and then eventually be hung up on.

Some bank executive likely made the bad decision of saving money by gutting customer service. It is a classic example of penny wise and pound foolish. If the bank really wants to make more money, fire the fool who gutted customer services.



Health Grade Components

FDIC Certificate #24998
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD12.31%
Annual Interest Income$708.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$25.53B$24.48B
LoansQ4 2016vs Q4 2015$13.27B$12.29B
DepositsQ4 2016vs Q4 2015$21.11B$19.98B
Equity CapitalQ4 2016vs Q4 2015$2.25B$2.15B
Loan Loss AllowanceQ4 2016vs Q4 2015$155.9MM$151.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$30.0MM$41.9MM
Real Estate OwnedQ4 2016vs Q4 2015$3.8MM$6.3MM
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* 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

0.02%$100-myRewards Savings
0.02%$100-Personal Savings
0.02%$100-Personal Investment Savings

Commerce Bank Money Market Rates

0.20%*$100k*-CommerceOptions Premium Money Market Account
OTHER TIERS: 0.07% $1k - $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% $1k - $25k | 0.05% $25k - $50k
0.02%$100-myRewards Money Market

Commerce Bank Checking Account Rates

0.05%$100-Commerce Relationship Checking
0.01%$100-Personal Interest Checking

Commerce Bank CD Rates

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

Commerce Bank has 184 locations. Click to view all Commerce Bank locations.