Frequently Asked Questions
What do I need to open an account with Commerce Bank?
There are several things you need to refer to—and provide—during the account opening process. You will be asked for your U.S. Social Security number and a legal valid form of identification including: driver's license, state ID, military ID or passport. You also need to provide personal information, including your date of birth, and former residential address(es). If you are not a U.S. citizen or U.S. resident alien and/or do not have this information, we will be unable to enroll online. Please visit one of our branches for assistance.
Is my online application secure?
Yes, account transmissions between you and Commerce Bank are encrypted. We require your browser to be “128-bit secure.” This is the highest form of encryption available to the consumer and allows us to ensure secure access to all account information.
What information do I need to open a joint account?
Both applicants need to provide the same information required when opening an individual account. For details, see “What do I need to open an account with Commerce Bank?” Please note that each applicant must sign the signature card.
Why is personal information required to open an account online?
Your application is processed subject to our ability to verify your identity, in accordance with federal regulations. For more information, see “What do I need to open an account with Commerce Bank?”
Is a minimum deposit required to open an account online?
Yes, please refer to our account selection page for minimums.
When is the opening deposit processed?
Opening deposits are processed three business days after ACH (Automated Clearing House) transfers from your existing account at another financial institution to your new account.
Can I change the information on my account application?
You have the option to edit your account information prior to submitting the information to Commerce Bank. Simply click on the “Edit” button above the information you would like to change, and you will be permitted to change your input.