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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 65th largest bank in the nation. It was established in 1984 and as of September of 2016, it had grown to 4,680 employees at 191 locations. Commerce Bank has an A+ health rating.

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Reviews (8)

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.

Solid bank with some funny online quirks

Commerce Bank is a pretty standard banking option across America. With the influx of negative reviews for all banks, and good reviews for credit unions, you might think Commerce would be one of the bad apples in the finance sector, but for all typical processes of a bank (checking and savings account transactions), it it pretty solid. I have never really had a problem with customer service, and all deposit/withdrawal transactions have worked to my liking. One thing I think could be improved is their online account verification system. They use the standard verification formats (Mother's maiden name, first pet, etc), but if you choose to 'save password', you pretty much hit enter twice for your credentials, then enter this verification code with the same frequency as you would be entering your password anyways. It's pretty redundant in that regard, but in all other aspects, Commerce is great in that I do not notice them. In a world of everyone getting outraged by fees and bad reporting, having a bank that you don't notice is great.

Auto Loan Automatic Withdrawel

bought a new car and used commerce bank in KC Mo,because the rate was lower than local bank we use,after a couple of payments the wife said it would be better to use auto payment.Made the Jan payment by mail.Had the local bank that I use set up auto payment on jan 23 for the FEB and on payments.On sat 2 MAR got overdue note for feb and mar(DUE DATE 12th OF the month).Called commerce soon as I got the notice,Woman didn't have anything showing auto payment and wouldn't let me talk to anyone else.Monday the 4th went to my bank to see what was wrong.My banker called commerce and come to find out the paperwork had been on the persons desk since 23 JAN that recieved it.THE SOLUTION BY COMMERCE BANK OF KC WAS TO MAKE AN E-PAYMENT FOR THE FEB AND MAR PAYMENTS AND THEY WOULDN'T CHARGE ME THE LATE PAYMENT FEE,TODAY IS THE 4th not the 12th which is the payment date.Will probably have my bank pay off commerce even though it will cost me more.Glad my banker keeps logs.HOPE COMMERCE GIVES ME A LATE PAYMENT TO THE CREDIT BUREAU,AS MOST LAWYERS WILL JUMP ON THIS.

No Customer Service

this was a good bank at one time.....absolutely no cusomer service...you are not even allowed to call your branch bank

Outrageous Fees

Posted by: jeven | Sep 7, 2011

This is my fault, but I overdrew on my account.  Because I use my debit card for everything, I had thirteen transactions all overdrawn but I only went over sixty dollars.  For the thirteen transactions, I was charged $450 dollars.  Furthermore, my account was only negative for two days.  I contacted customer service about how upset I was and told them that I was going to close my account.  They replied back with instructions on how to close the account.


I started my account in 2008 and started out great but within the past 12 months things have been quit the opposite, Commerce could stand to have more business educated employees with a good attitude behind them and accuracy as well. I have found them to try to be SNEAKY with account funds and online banking is  a joke. Deposits are not made in a appropriate time frame as well as withdrawls. One employee does not know what the other is doing with anything, if there is any fraud with a account they will protect the crook and you won't see your money that was illegally taken... They use to have a(n) older group of employees and bank manager that was awsome but they down graded to the young and thoughtless group (to save on pay) If you are looking to open an account shop around!


Health Grade Components

FDIC Certificate #24998
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD12.21%
Annual Interest Income$527.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$24.61B$23.85B
LoansQ3 2016vs Q3 2015$13.09B$12.08B
DepositsQ3 2016vs Q3 2015$20.18B$18.99B
Equity CapitalQ3 2016vs Q3 2015$2.33B$2.15B
Loan Loss AllowanceQ3 2016vs Q3 2015$154.5MM$151.5MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$31.8MM$39.2MM
Real Estate OwnedQ3 2016vs Q3 2015$4.4MM$6.2MM
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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-CommerceOptions Premium Checking
0.05%$100-CommerceOptions Plus
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 189 locations. Click to view all Commerce Bank locations.