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Commerce Bank

Commerce Bank review: Checking

R
Author of the review
12:42 pm EST
Verified customer The reviewer confirmed their account using Google. Learn more
Featured review
This review was chosen algorithmically as the most valued customer feedback.

I opened a Commerce Bank checking account to qualify for their advertised cash bonus. I completed every requirement exactly as stated in the promotion, including meeting the direct deposit minimum and keeping the account in good standing. On November 17, 2025 Commerce Bank deposited a five hundred dollar incentive into my account. I already had one hundred dollars in the account, so I withdrew six hundred dollars because the bonus was fully posted and available.

A few days later Commerce Bank reversed two hundred dollars of the posted bonus without any explanation, notice, or reference to any promotional clause. This reversal immediately placed my account at negative two hundred dollars. Nothing in the published terms indicated that Commerce could revoke a portion of the bonus after posting it as completed.

When I contacted Commerce through their online chat, the representative refused to explain the reversal and abruptly ended the chat by telling me to call an 800 number. I still have not been given any reason or documentation for why the bank removed two hundred dollars after confirming the full bonus. This feels like a misleading promotional practice and improper handling of customer funds.

Claimed loss: $200

Desired outcome: refund

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  1. Commerce Bank Contacts

  2. Commerce Bank phone numbers
    +1 (855) 659-1656
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    Customer Service
    +1 (800) 453-2265
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    Account Information
    +1 (800) 986-2265
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    Online Banking And Bill Pay
    +1 (844) 782-7206
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    Mobile Banking
    +1 (800) 772-7283
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    Commerce Brokerage Services
    +1 (800) 641-2265
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    Personal Accounts & Services
    +1 (800) 449-9829
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    Personal Loans And Home Equity Lines Of Credit
    +1 (866) 658-9333
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    Personal Loan Web Payments
    +1 (800) 903-3210
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    Mortgages - New Loans
    +1 (800) 821-0083
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    Mortgages - Existing Loans
    +1 (800) 666-3910
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    Student Loans
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    MySpending Card
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    Debit Card
    +1 (800) 645-2103
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    Consumer Credit Card
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    The Commerce Trust Company
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    Small Business Checking
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    Treasury Services & Commerce Connections
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    Commercial & Corporate Cards
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    International Services
    +1 (800) 828-1629
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    Merchant Services
    More phone numbers
  3. Commerce Bank emails
  4. Commerce Bank address
    1000 Walnut St., Kansas City, Missouri, 64106-2145, United States
  5. Commerce Bank social media
  6. Stan
    Checked and verified by Stan This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Nov 25, 2025
  7. View all Commerce Bank contacts
Commerce Bank Category
Commerce Bank is ranked 103 among 398 companies in the Banks category
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