Also known as: Commerce
Commerce Bank is a Midwest regional bank headquartered in Kansas City, Missouri, and a subsidiary of Commerce Bancshares. It has a long operating history in the region, tracing its roots back to the 19th century, and serves customers across Missouri, Kansas, Oklahoma, Colorado, and Illinois.
For individual customers, Commerce Bank commonly offers checking and savings accounts, credit cards, personal loans, home mortgages, auto loans, and home equity products. The bank serves both retail customers and businesses through its branch network and digital banking platforms.
Commerce Bank operates a mobile banking app that supports account management, bill payment, fund transfers, and mobile check deposit. Physical branches are available in its core Midwest markets for customers who prefer in-person service.
For businesses, Commerce provides business checking and savings, commercial loans, business credit cards, treasury management, and commercial real estate financing. The bank is active in middle-market commercial lending within its regional footprint.
For home buyers, Commerce Mortgage offers conventional and other loan products. Personal and auto loans are available for qualifying customers through branch and online channels.
Commerce Bank has a reputation as a stable, conservative Midwest institution. It is publicly traded through Commerce Bancshares and has maintained consistent operations over its long history.
Commerce Bank is FDIC-insured and deposits are covered up to applicable limits. Rates, fees, and eligibility criteria vary by product and individual circumstances. Customers outside its core Midwest footprint should verify whether specific products are available in their location.
Quick info
Bank
Commerce
Commerce Bancshares, Inc.
FDIC-insured.
2026-06-06
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Checking and savings; personal loans; mortgages; auto loans; business banking
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Date checked
2026-06-06
How do I make a complaint about Commerce Bank?
Start with Commerce Bank's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Commerce Bank regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Commerce Bank's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Commerce Bank has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Commerce Bank issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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