Commerce Bank

Overview / Commentary
1001 Main St.
Kansas City, MO 64106

Commerce Bank is headquartered in Kansas City and is the 2nd 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 December of 2021, it had grown to 4,373 employees at 168 locations. Commerce Bank has an A health rating.

Choose Commerce Bank!

Posted by: |

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

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

Excellent Customer Service at Commerce Bank

Posted by: |

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.



Health Grade Components

FDIC Certificate #24998
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD16.8%
Annual Interest Income$834.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$36.52B$32.81B
LoansQ4 2021vs Q4 2020$15.03B$16.15B
DepositsQ4 2021vs Q4 2020$30.06B$27.12B
Equity CapitalQ4 2021vs Q4 2020$3.00B$3.08B
Loan Loss AllowanceQ4 2021vs Q4 2020$150.0MM$220.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$17.0MM$43.5MM
Real Estate OwnedQ4 2021vs Q4 2020$2.2MM$2.9MM
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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 Money Market Rates

0.01%$100-myRewards Money Market
0.01%--Premium Money Market Account
0.01%$250$500kMoney Market IRA

Commerce Bank Checking Account Rates

0.01%--CommerceInterest Checking
0.01%--CommerceRelationship Checking

Commerce Bank CD Rates

0.10%$1k-5 Year CD
0.05%$1k-2 Year CD
0.05%$1k-3 Year CD
0.05%$1k-4 Year CD
0.03%$1k-1 Year CD
0.02%$2.5k-6 Month CD
0.01%$2.5k-3 Month CD


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