Commerce bank is tricky
MISSOURI -- I agree with you that commerce bank is tricky. I have been with them for about 6 years and they will do everything in their power to overdraft you. I have had debits appear in the pending section, then disappear and reappear in processed section a week later more times than I can count. If you put a deposit in and go spend the money they will always process the debit before the deposit and the tellers are always rude when you call them. I also have problems with their monthly charges. Mine always come out on random days (meaning it could be the 20th of the month or the last day, their is no scheduled day) and it will always be when you account reaches under a certain dollar amount as if the computer is set up to take it out when its about $15 and you make a purchase. The $10 monthly fee (which I think is b. s) comes out before the debit every time. also these monthly fees just started appearing out of nowhere. I signed up for free checking and when I called up to ask why is there service charges the teller just played stupid and said "that's how its always been" keep in mind I had been banking with them for nearly 4 years at the time. I don't really understand how they can change the agreement that you signed up for but they did. I mean really is that even legal? Isn't there a law that says you are grandfathered in? If you are banking with commerce (or comi bank that we jokingly call it in our house)I would recommend keeping a check book and documenting your spending, don't rely on their online banking. In my opinion it is designed to overdraft you, not help you. And as far as people on here saying you should have "X" about of dollars in your account at all times, not everyone has money to leave in the bank. I single handedly support my family and live paycheck to paycheck so these $35 to me is a lot when I have food to buy or clothes for my child so please don't be so condescending.