Overview / Commentary
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 74th largest bank in the nation. It was established in 1984 and as of December of 2018, it had grown to 4,631 employees at 177 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.

Commerce Bank Summary:

Posted by: kimvilla | Dec 29, 2017

I have banked with Commerce since I was a child, where I opened a savings and checking account for the first time. The bank is very responsive to my concerns, which mostly relate to charges and other balance maintenance requirements on savings and checking accounts. However, as the world has adapted to the growing business of being online, Commerce Bank is farther behind. Their savings and checking accounts no longer offer the convenience that a local bank could provide 10-15 years ago, and their online offerings are subpar. They recently offered check deposit via mobile app, but it comes with a fee. In general, the online offerings have been trying to catch up to other banks, and, in my opinion, are subpar compared to what you may get elsewhere. While I love my local Commerce bank, I simply wish its products could match its service and the local, small-town bank vibe that it offers.

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



Health Grade Components

FDIC Certificate #24998
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.69%
Return on Equity - YTD17.08%
Annual Interest Income$872.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$25.38B$24.73B
LoansQ4 2018vs Q4 2017$14.00B$13.85B
DepositsQ4 2018vs Q4 2017$20.55B$20.59B
Equity CapitalQ4 2018vs Q4 2017$2.59B$2.41B
Loan Loss AllowanceQ4 2018vs Q4 2017$159.9MM$159.5MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$27.6MM$28.5MM
Real Estate OwnedQ4 2018vs Q4 2017$5.4MM$4.7MM
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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

0.02%$100-myRewards Savings

Commerce Bank Money Market Rates

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-myRewards Money Market

Commerce Bank Checking Account Rates

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

Commerce Bank CD Rates

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%$2.5k-3 Month CD


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