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Rude and Dismissive Employee
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

O'FALLON MISSOURI, MISSOURI -- Commerce was supposed to close an account. They didn't and it racked up fees. They closed the account, never notified me. I got on some list banks use to not let anyone bank anywhere. I paid it off to get off list. It was only $200. After years Commerce won't let me open another account. I have a business account there. A branch manager was so condescending. He told me no then goes, "Do you want to close the business account today." He basically told me Commerce doesn't want my business. I have some direct deposits coming in in a few days so I couldn't on the spot so he goes okay and got up. I couldn't believe how unprofessional and dismissive he was. He made it out like I was a criminal. He will get his wish. I will leave Commerce!

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20 Years of Being a Customer Means Nothing to Them
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MISSOURI -- I've been banking with Commerce for forever. My childhood savings, my 1st checking account (which is still in service after 16+ years) and I have my small business checking here and another savings. All accts have been in good standing and can count on 1 hand the number of times checks bounced in 10 yrs, which were all refunded as it was the payees fault for double charging. I've had car loans which were all paid in full, ahead of schedule. I'm closing all accounts.

For the 1st time in the history of me having a checking acct, I was charged a "service charge" of $8. I called to ask about it and the cust svc representative had no idea why as I've always had the free checking options. I hadn't changed my use, met the minimum balance and deposit requirements, and as a small business owner, paid myself from my Commerce business account on the regular and had not been charged for this before. She said she would refund it, put me on hold, came back to the phone and told me it was a legit charge and there would be no refund. I asked for a supervisor.

The supervisor was the most rude and surly person I've ever spoken to. She dances around the issue giving me a new excuse for the charge when her reasons fail to uphold. One minute it's I don't have a "formal" direct deposit, but as I'm my own payroll and have a business account there, that would seem to be a "self-employed, bigger customer with more accts here" fee. I've been operating this way over a year and it would seem odd that only now do they charge for that.

She essentially called me a liar about the account age on the basis that the account "title" was not in use when she started 8 yrs ago and thus, this account was not as old as I claimed even though, had she bothered to check, should have been able to see this number has never changed in over a decade! She claimed it was a legit svc fee for that account type and she had no idea why I wasn't charged before though I should have been and more/less made it seem she was doing me a favor.

What happened - for the 2nd time in history I might add - was that they changed my "free" account terms without clear notice, started charging for it, made a new type of "free" acct, and offered it when the customer complains. I thought it was a fluke before, but as a 2nd time around, I'm pretty sure it was intentional. She rudely said that she would offer a "one time only" courtesy refund, sarcastically made me wait while she checked to see if I had has this refund in the past year, again more/less calling me a liar and changed my account title to whatever their latest "free" account type is. The title changed almost immediately, but the refund never came.

I call a week later to find out why and was made to wait for 11 min to talk to a representative. I'm pretty sure it was the same daft cow that answered, and she put me on hold and disconnected the line. I called again, agreed to a survey after my call and after another 10 min wait finally get through to another person. Info was verified, and I was told I need a different department and put on hold yet again.

Finally the person I spoke to went through the transcripts of the previous call and said she saw where I was promised a refund and it was not put in the acct. Color me shocked. She put the refund in and it was almost immediately visible on my online account.

In summation, it was a total of 30 min hold time to get them to give what was promised (30 min is a long time to make detailed notes), for a charge which should not have been in the first place. To add serious, ironic insult to injury, while I was on hold for the umpteenth time, the line was ringing on call waiting which was the survey people! How insane is that?!

In retrospect, I should have answered and told them to wait and would talk to them as soon as I had service to report about, but thus far, it sucks a$$. I didn't answer as I was afraid of having to call a 3rd time. I'm done. As soon as everything clears as far as deposits and checks, I will be demanding my money to take elsewhere. Awful place. Run away - fast, far and NOW!

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Not so great anymore
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

KANAS CITY, MISSOURI -- I chose Commerce Bank after a disappointing run with Capitol Federal Savings. Everything started out well enough, few fees if any. As time has passed, they have started to appear more and more like Wells Fargo and other money mongering banks I have left in the past. In the beginning, the Customer Service was top notch. However, now CSRs try to “Educate” me on banking and being financially responsible. I don't care for that, take five minutes look at my history and any CSR will see I am not a banking newbie. Moving on…

Commerce has the technology infrastructure to send text messages to their customers regarding security and balance alerts. This is amazing, BUT.. There is always a BUT. In my opinion, this is a rather large one. They do not give you the option to receive alerts regarding AVAILABLE BALANCE. Available Balance is a field they already have in their system, you see it when you look at your account balances. Available Balance considers pending transactions and current balance to provide you with the difference, well AVAILABLE. This is valuable information.

You can receive alerts for Current Balance, but here is the deal, pending transactions do not impact Current Balance until AFTER EOB!!!! So, if you receive an alert of insufficient funds, it is TOO late, if you transfer funds or make a deposit you still get hit for a $37 NSF fee.

So here is where I am going with all this. Commerce states they that the time to really get to know their customers. On their website, they go further regarding their commitment to getting to know their customer by saying;
“What worries them. What dreams inspire them. Then we work together to help them find the financial solutions that truly make a difference in their lives.”

What worries me, is not having more of a partnership. Commerce could work together with me and let me get alerts regarding my Available Balance. Instead Commerce Bank's solution is to have you sign up for an Over Draft Protection Plan, where they transfer money for you from another account or a Commerce Credit Card, BUT.. yes, another BUT, you also get charged $12 per transfer. Ultimately, another financial solution that charges me for using my money, I have many (5) Commerce Accounts all tied together and ALWAYS have a decent amount distributed among them. Therefore, I can always quickly make a transfer from one to another if need be, I don't need to pay them $12 to assign an “if statement” in their system to move money automatically in my accounts. Another option the CSRs might give you, is to be more responsible with your money, transactions, and sign in to check my account more.

If everyone who uses Commerce Bank begins logging in more often to be more responsible and check their accounts just 1 more time every day, Commerce Bank's operating expenses will increase. I believe moving forward every Commerce Bank customer should make a resolution that Monday through Friday at 9:00 AM CST, 12:30 PM CST, and 4:00 PM CST to login and check their balances. If your Available Balance isn't positive make a transfer. This in my opinion is a reasonable solution. It would be absurd to take an existing infrastructure, existing data field, and current SMS delivery system to provide your customers with valuable information regarding Available Balances in real time. I mean how else will they make money without their NSF fees?

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Auto Loan
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

KANSAS CITY, MISSOURI -- We have never had an account with this bank, and now I know why. We recently purchased a vehicle and the loan is through Commerce Bank. Having purchased other cars over the years I expected that I could log in online to make a payment. NOPE! Not possible. Is it 1994 or 2016? This is a joke, right? What bank in 2016 can't you make an online payment with? Your grandpa's bank, aka Commerce Bank.

If you have an account with them you can make it through the ATM. Why the hell would you do that? Or you may call the 800 number and be charged $5 to not even speak with a person, and make it with a non-Commerce debit card. I really just can't even. We will be looking to refinance with a different bank IMMEDIATELY, and this is only the first payment.

It is laughable how ridiculous this is. I pay literally everything online. We don't get paper statements for anything anymore and haven't for years. I don't want to mail checks or go into a branch bank, or even call an 800 number. I want to log in, spend 30 seconds paying the bill like I do the 10 other bills and get my life together.

I have nothing good to say about this experience at all, and I would never open an account with a bank that is so antiquated and old fashioned. We didn't pick who the loan went through, obviously, but if they tell you it will be Commerce Bank and you care about being able to do things 2016 style, then tell them to keep looking for another lender. My grandpa would probably enjoy banking here, or my 70 year old dad. He still likes to write a check and send snail mail, so this bank is definitely for the blue hairs of the world. Anyone else should run away like they are on fire and find somewhere else with technology and a website that fits the needs of 2016. This is not it.

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Worst Bank in History
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MISSION, KANSAS -- Commerce Bank is the worst financial institute I have ever engaged with. Almost two years ago, I closed my account with them because they inconstantly charged overdraft fees which would in total more than $700 (in fee alone) before I would have any idea. Their customer service is horrid, possibly the worst customer care I've ever encountered.

A few months after closing my account, I received noticed from a collection agency of a $266 balance at commerce Bank. I called commerce customer service and they reassured me there was no balance and my account had been closed. I took the notice to the branch at Roe and Johnson Dr. A banker confirmed that I did not have a balance and my account had been closed.

Six months later, I received another notice from the collection agency with the same balance. I took it back into the branch, this time asking to speak with a manager. After explaining my situation, the manager pulled my activity, and show the account was never closed and multiple transactions were made, each time deducting $37 overdraft fee.

Horrified that the account was kept open without my knowledge and that it was never identified and resolved despite my concern, he told me he would take care of it with customer advocacy. I left him with my phone number if any issues existed. Almost a year later, you guess it, I received a notification for the collection agency with an outstanding balance. Commerce never took care of the $266 balance (in which $222 was overdraft fees). It has been sitting at a collection agency racking my credit for months.

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Rudest Person Ever!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LEE'S SUMMIT, MISSOURI -- If this was my first visit, I would NOT open an account! I stood waiting for the "personal banker" to finish a non-business convo with a non-customer while she straightened her desk and pushed all the chairs neatly in, and then since I hadn't gone away she finally asked what I needed (a replacement debit card because the one for my new account never arrived). Didn't pull out a chair, just clicked away while I stood some more, went to the back as I stood some more... Never even looked at me till "Here ya go. Have a nice day." Rude! And obviously not afraid to be rude or have inappropriate conversations in front of managers and other staff.

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The Worst Bank EVER Don't Do Business Here
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OVERLAND PARK, KANSAS -- I'm a small business. VERY small, I opened a checking account and a My spending Card for my teenager so she can learn the banking system. The problem with this stupid bank is, since I am a small business... they will not cash a check that has my business name above my full name. My full name is printed on this check... They will not deposit it or cash it. It is a worthless piece of paper to this bank. They won't even open a business account for me because I cannot prove I have this business. UNBELIEVABLE.

I don't have a website and a Facebook page is not good enough! They won't put my business name on my personal account. Obviously they do not want my business. Moving on to another bank. I went to three branches. The one on mall had the most rude woman there. I called the 1-800 number. They said to go into a branch and ask for the branch manager. Well the branch manager was on maternity leave and a young girl who had to read in a manual what to do, told me she could not help me. No prove you have a business. HORRIBLE.

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Poor Customer Service, Bad Checking Account Rules.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LANSING, KANSAS -- Have been a Commerce Customer since 2004. Within the last month we have had money held for different reasons over different periods of time. Just recently we have deposited a larger amount of money and cannot reach it, it has put us in a financial bind. This has been the last straw.

The online app is misleading, purchases are recorded paid or pending at different times that seem to fit their benefit, and my "current balance" is not my "Available Balance." That was a hard mistake to learn. Customer support is useless. They will not do anything, so why have one. After having been a customer for 14 years, we are leaving this bank tomorrow. Further the Home Loans both FHA, VA, and regular Mortgage rate were very high compared to most, we have never been offered a good or fair loan from this bank.

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Commerce Bank - Missouri
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FORISTELL -- Talked to customer service at Commerce Bank. Been a customer for 25 yrs which means nothing to this banking institution. This place is absolutely riddled with fees that make no sense for the consumer. Furthermore, they aren't even competitive in the market place for CD's, Savings Accounts, etc. Don't go to any non Commerce Banking ATM's either or you could be charged as much as $4.75 ($2 for ATM fee plus another $2.75 cross charge) from the other banking institution. This place is a joke so please do yourself a favor and find another bank. I'm headed to a Credit Union. I'm done with Commerce Bank.

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Bogus Fees/Antiquated Practices
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

KANSAS CITY, KANSAS -- We recently took out a car loan and have received our first invoice. In order to pay the invoice, we have to

1) Write a check and mail it and hope that it is received on time (how many people do this anymore??)

2) Call and make a payment by phone, which there will be a $4.95 fee

3) Attempt to make a payment online and pay a $4.95 fee (tried several times to no avail, even called for assistance and they were unable to figure out why it wasn't working)

4) Set up automated payments, which of course will not go into affect immediately. Oh, and by the way, you have to fill out a form and mail it to them in order to set this up - it cannot be completed online or over the phone. By setting this up, we can't make extra principle payments when we have the extra cash...

The entire setup seems awfully shady to me! Will be looking for refinancing solutions, even at a lower interest rate, this bank is not worth the hassle.

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Commerce bank Rating:
Star Empty star Empty star Empty star Empty star
1.0 out of 5, based on 21 ratings and
39 reviews & complaints.
Contact Information:
Commerce bank
1000 Walnut St
Kansas City, MO 64106
800-453-2265 (ph)
www.commercebank.com
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