Commerce Bank Reviews

I only had an auto loan, this is the only reason I had CommerceBank to check status of my payments and balance. The day I sent my last payment I could not log into CommerceBank or the website. I called their support line and they said I can’t log in because my final payment was applied so they closed my account. I asked well how was I suppose to check status of payment if I can’t login? Her reply blew me away, she said that’s how by not being able to login. A moronic answer this is! So if I wanted to apply for something else my guess is I would have to sign up again for every account,... well I don’t think I will do that, this process is thumbs down! With today’s technology their no accuse for a process like this, Commerce Bank fix it. I’m out!

I haven’t been able to log into my app for two weeks on my iPhone. I’ve tried everything, restarted my phone, deleted CommerceBank and reinstalled it. Nothing has worked. When I try to log in it just hangs on the login screen with the loading icon spinning. I can log in to my account through the mint app on my iPhone just fine. I can also log in to the commerce site on my laptop. This is the only app giving me any trouble.

In all honesty I don’t have enough time in my day to call their 1800 number to troubleshoot an app... especially since commerce is the one using my money in my checking and savings accounts to advance their business. Considering all banks offer the same products (i.e. checking and savings accounts), in this day and age, a little annoyance like this can easily cause customers to switch to another bank that offers a more reliable and robust experience to manage their hard earned money.

Oh, another annoyance is that commerce must have nightly transaction posting scripts/jobs running on checking accounts from around 11pm to the early hours of the morning CST. The current balance and transactions are ALWAYS wrong during those times. Never trust them.

Hope they get it figured out quick. The next time I’m standing in a check out line and want to check my balance, this might be the last straw.

I’ve went negative so many times because I check my account balance and I’ll subtracts bills from what I have to see what I have left to spend, only for the number to change a couple hours later and it be way lower than a couple hours before (mind you it does this to me almost everyday) and I didn’t start noticing it until I got an email from my one of my bill collectors saying they were unable to withdrawal money from my account because there wasn’t enough in there. Anyone who knows me knows I budget very very carefully, and so this has caused me SO many problems and it has made it to where I’m scared to buy anything because I don’t know if my account is ever accurate and it’s honestly added so much anxiety to my life. Either don’t use the bank app, or go with a different bank.

What a completely horrible “update” this is. CommerceBank no longer supports iPads, so you have to download the iPhone app. As a user who is mobile 90% of the time, I enjoyed the iPad app and the ability to do my banking on the go. CommerceBank doesn’t even rotate, so I’m forced to use it in portrait mode. That by itself would be okay, but it doesn’t even scale appropriately on my 12.9 inch iPad Pro.

“Challenge accepted” is their new tag line. Okay, Commerce Bank, how about an iPad app instead of forcing me to use an app on a platform that isn’t native? What a huge step backwards this is. This may very well be the catalyst for me change banks. Convenience is a huge priority for me, and this is so many kinds of backwards I can’t state it with enough emphasis.

This “update” makes me really, really sad.

This is the worst bank app I’ve ever used. In fact, I had to buy check registries to keep track of things on my own because my available balance on CommerceBank is never right. Sometimes the “pending charges” are taken out of the available balance already, sometimes they aren’t, and sometimes they’re taken out, get added back, and taken out again. It’s the most inaccurate way to keep track of your money. I would suggest using a different bank or buying a check registry and handling it the old fashioned way, or you could end up paying a $30 overdraft fee because you thought you had money when you didn’t. I’ve complained about this numerous times to commerce, but they can’t seem to get it updated. Good luck.

Not very happy with CommerceBank . I’ve had times where my account will show a balance and when I check it 5 hours later, I’ll have $150 more than the last balance. This is without me making any transactions. Then an hour later it’s back to the other balance. I’ve learned from the past that my account may not be what it is and not to make purchases based off what CommerceBank says my balance is. I’ve also had checks come out late at night that I’ve written to businesses that close at 5. I originally thought I could make a transfer the next day, since it was after the close of a business day, but was charged overdraft fees for not having the balance in the positive before 8am. The way it was explained to me was Commerce can process the check whenever they want. I have had Commerce bank for the last 10 years and finally I’m switching to another bank.

I recently moved and have had to call Customer Service three times to request an address change and STILL I’m having issues with my billing information. I’ve spent so much time on hold, trying to get a Customer Service rep to help me resolve this, and no one has offered any kind of solution. They still send my bank statement to my old address, delaying the delivery time. Which wouldn’t be an issue if CommerceBank was useful. Also, over the last few months, I have sporadically received an error message when trying to make mobile deposit or payments that does not allow me to do so. No matter what updates are made or how many time I re-download CommerceBank , I still have issues.

I’ve always had a pleasant experience when visiting the banks’ locations, but now I live too far. I was hoping to stick with the bank despite the move, but their inability to provide basic and adequate service from afar makes that impossible.

CommerceBank makes it hard to pay off a loan. Even though I don’t bank at commerce I took a auto loan through commerce. I am unable to pay through CommerceBank and have to call to make a payment. You charge if I call to make a payment but you should set it up where non commerce bank loan customers can still make a payment through CommerceBank . You can still charge for a payment through CommerceBank the same as making us call in. That’s just a hassle and waist of time. I just paid off my loan and won’t need CommerceBank anymore. I can honestly say I would not bank through commerce or take another loan. I will stay with Chase. Thanks for your service.

I’m not a fan of change. That said, however, when change is more efficient, I don’t mind. But I find CommerceBank to be less efficient. On the front page of the layout, the menu button is obtrusive. There are too many steps to get to the thing you need to do. I liked it all located on the opening page. It was also easier to read as it was more streamlined. I’ve not yet used the mobile deposit with the new app but I’m hoping it would allow for funds to be available immediately rather than having to wait until the next business day, or if on a weekend, Tuesday morning (or longer if a holiday weekend. Overall I’ve found this “upgrade” a downgrade.

I like some things about the new app but it appears that other previous functionality was removed? Also, I’m NOT happy that the iPad App was removed and now have to use the iPhone App for iPad. HUGE mistake here Commerce as no landscape mode and many of us routinely use landscape mode on our iPads. Needing to turn it around to use in portrait mode with the phone app is user unfriendly and the phone app feels totally clumsy on an iPad. I enjoyed using the iPad app which I felt was very well done but very much dislike using the iPhone app on my iPad - Please bring back the iPad app or I’ll need to access my account via the desktop website

This is a good well-thought out app that is easy to navigate and has most of the things I would need to see or do on a regular basis. Only problem I have is that every time CommerceBank updates, all my settings go back to default. Touch-ID gets disabled, quick balance gets disabled, and even some of my repeat transfers get canceled. It's really annoying. CommerceBank recently updated and for some reason even when I change the settings back to what I had them at, it won't save. So I have to enable Touch ID and quick balance EVERY SINGLE TIME I LOG IN, and then the next time I open my phone, they're not working again! It's a good app but there are a LOT of issues with development and updates.

I appreciate the updated app and love Commerce Bank. My only complaint about the new app is the way the transaction data for my credit card is listed. My pending transactions are at the top, but the rest of the transactions this month aren’t in reverse chronological order, so I have to scroll through all of February to see something from a few days ago. Also, my transaction data from 1 week ago is always missing (on a rolling basis, even on things that aren’t still pending).

Update is easier to navigate and more visually appealing. Easier to check multiple accounts by swiping left and right. Seems to load quicker and seems more stable than previous version. Overall, much better than previous version.

2 minor issues that I notice.

1st: The green button to bring up the menu that is in the lower right corner, overlaps the account balance/transaction amounts when looking at accounts. I think moving this to the top so it doesn't cover up the amounts would be better.

2nd: Still no way to access credit card rewards from CommerceBank . This was not available in the previous app version either, so when I saw there was a big update, I was hoping this would be available. I rarely get on a computer as I can use my iPhone for everything I need, so it's a bit of a pain to open the commerce rewards through a safari browser. Especially the safari browser on the iPhone. Seems odd that the commerce credit card rewards and commerce banking are so separated. Hopefully there is actually a way to do this in CommerceBank and I just haven't discovered it yet.

Looks nicer, more updated appearance from the old mobile app, but it seems to have some weird flaws. For example, when I am looking at my credit card transactions, it starts with the transactions that started at the beginning of the month, and I have to scroll to the bottom to see the most recent transactions. Seems backwards to normal online banking. Overall it seems to have a few bugs that need to be worked out. Would also love to be able to access the toggle feature on here. It also doesn’t let me see what past payments were made when you make a mobile payment, and the feature where you pay from your online bill pay has bugs that need to be worked out. Could be good... but CommerceBank just isn’t there yet.

First let me throw out there that I’m old school. Not the most tech savvy person, neither am I a fan of anything online especially banking. I was hesitant to create an account, thought it was not going to be user friendly. I was so surprised how easily the set up was (usually I would have some type of error or redirected to a live person for guidance) I was able to set up and access my account with ease!

I love the Commerce Mobile Banking app. I use an iPhone and have for the last 10 years. Commerce has continued to keep up with the changes. From passwords to fingerprint access and now facial recognition. It all works seamlessly. I can check account balances just by clicking on CommerceBank and looking at my phone. It seems like I use CommerceBank at least once a day to check deposits or see if charges have cleared. Thank you Commerce for helping me keep pace with the future of banking.

The overall interface of the upgrade is an improvement, but actually functionality is slower, clunkier, and makes for a less optimal experience. For example, the payment date let’s the user choose an invalid entry. Payment submission has a delay then allows the user to open multiple windows when they hit the payment button again. Hope future updates address these issues.

Wish I could transfer money to other accounts outside of commerce. I have a card that I get rewards on for my insurance if I use. Also wish I could transfer to savings from app. I don’t own a computer or laptop (I’m kind of anti-technology for a millennial. I don’t even own a tv) and I can only do that from a computer.

Positive: I was locked out of my mobile app a few days ago due to “too many login attempts” that wasn’t me.. nothing was taken but I was able to reset my password through an email so that made me feel better that security told me about it.

Updated 3/11:
Looks like credit card transactions are sorting properly. Descending by date.
Also fixed are the ebills that were paid but never released from the queue.
Hooray! CommerceBank is now 5 stars.

Updated 2/13:
E Bills are back which is great.
However since the functionality was delivered recently, I have phantom ebills still appearing. These bills have been “filed” on the website since I paid them outside of the e bill notifications but still show up in CommerceBank . They don’t appear as “reminders” on the website.

It would be helpful to be able to “file” or delete e bills.

Improvement
Can add new billers

Steps back

Transfer between accounts used to show each account balance. No longer. Showing the account balance made credit card payments easier. Now I have to write down on paper.

Bill pay used to show new bills that just arrived. No longer. Now I have to rely on my email to get notifications.

Doesn’t your app development do any user experience research before adding or removing from functionality?

Geez

We have been with Commerce Bank for over 17 years and have never considered changing or been unhappy with the service. I don’t believe I’ve even been remotely irritated. Employees at the brick and mortar locations have always been pleasant, professional and efficient. The website is user friendly/easy to navigate and security across the board is outstanding. When an app became available I expected the same excellent quality they provide everywhere else and I was right. Commerce easily takes first place in the list of banks I’ve used all over the country since my first over 45 years ago. Highly recommend the bank and CommerceBank .

All of the people who work in the Pekin and Downtown Peoria branch are amazing they helped me figure this application out, took time to show me all the things I could do and did not treat me like I was an idiot because I didn’t understand it. I love this bank. Every time I go into either of those two branches they call me by name and remember when I talk to them about two weeks ago and asked me questions about my family and how things are going. You have some amazing people

We have used the mobile app to make deposits for over a year and it was always flawless, but the last two times we have used it, we have received an error after submitting the deposit that an “endorsement can’t be detected” and to re-take the photo of the back of the check. We are a business and use an endorsement stamp. The first time several tries were necessary to get the check accepted, but today it won’t accept one of several checks regardless of how many times we try. The only difference is that this endorsement is at a slight angle but is very clear. We called the support number and were told to take the check to the branch for deposit. Something seems to have changed that makes the mobile deposit less forgiving. Although technically correct, we don’t consider getting in a car and driving to the branch to be “mobile deposit!”