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Accounts Summary Activity Transaction Download View Statements Pay Bills Transfers Zelle® Internal Transfers Pending Funds Transfers Transfer History External Transfer Toggle Pay Now Pay Later Unwind Link Your Checking Account Customer Service Account Management Place a Stop Payment Order Checks or Deposit Tickets Make a Payment to your Credit Card Pay your Healthcare Financing Account Sign up for Bill Pay Manage AutoPay Sign up for AutoPay Manage my Cards SmartSave Round Up Sign up for the Special Connections Feature Manage the Special Connections Feature Travel Notification Order Account Archive Remove a Stop Payment / View History Sign up to Access Additional Account History Statement & Overdraft/Insufficient Funds Notice Options View Statements View Tax Forms My Profile Update Email Address Update Mailing Address Update Phone Number Add / Edit Account Nicknames Update Password / Customer ID Enhanced Security Settings Customize My Favorites View & Manage Alerts Sign up for Alerts Manage Alerts Account Documents Deposit Agreement & Disclosures Online Banking Terms and Conditions Request Copy of Cardholder Agreement Message Center Read Messages Send Us a Message Contact Us Open a New Account Activity Snapshot Box To see a definition of any of the underlined items in the Snapshot box, roll your cursor over the item name. Account Selection When applicable, use the dropdown box under "Account" to select the account you’d like to view. Add Authorized User (For Credit Cards only) You and anyone else authorized to use the account are responsible, both together and individually, for the entire Account balance regardless of whom authorized any transaction. The Add Authorized User icon will pull up an Account Maintenance page. Under "Request Type" select "Add Authorized User." Enter Security Confirmation Information Enter the last four digits of your social security number or tax identification number Click "Submit." Enter Add Authorized User Information If applicable, select a Prefix from the drop-down box Enter the first and last name of the person you wish to authorize using to use your Commerce Bank credit card If applicable, select a Suffix from the drop-down box This request will default to creating a new card for the authorized user. If you do not wish to create a new card for the authorized user, uncheck the box. Click "Continue." Confirm Add Authorized User Information Review all information entered If correct, Click "Submit." If incorrect, click "Back" to make corrections. Request a Balance Transfer (For Credit Cards only) The Balance Transfer Application allows you to transfer balances with other institutions to a Commerce Bank credit card. Upon approval of the application, Commerce Bank will issue a check in the amount(s) indicated to pay off the balances of the credit card account(s) you indicate, to the extent allowed by your available credit limit. Balance transfers will be evaluated in the order you list them. Required fields are indicated with an asterisk on the page. Enter Applicant General Information Enter the First and Last Name as they appear on your Commerce Bank credit card account Enter the mailing address associated with your Commerce Bank credit card account Enter the Home Phone Number associated with your Commerce Bank credit card account Enter your 8-digit Date of Birth Enter the entire 9-digits of your Social Security Number Enter your Mother’s Maiden Name Enter Commerce Credit Card Information Enter the 16-digit number that appears on the front of your Commerce Bank credit card Select the Month and enter the two digit year of the expiration date which appears on the front of your Commerce Bank credit card If applicable, enter the 6-digit promotional code from your promotional offer Click "Next." Enter Balance Transfer Information Enter the 16-digit number of the credit card from which you will be transferring the balance Enter the Credit Issuer or Company Name of the credit card from which you will be transferring the balance Enter the mailing address associated with the credit card from which you will be transferring the balance Enter the Exact Dollar Amount you are requesting to be transferred If applicable and you have more than one balance transfer request, click "Add Account" to continue for each balance transfer requested Click "Submit." Activate a Credit Card (For Credit Cards only) Enter information Enter the last four digits of social security number or tax identification number Enter the 16-digit number that appears on the front of the credit card you are activating Click "Activate." Current Transactions (For Deposit Accounts Only) Current Transactions include certain credits and debits that have not yet posted to your account. Current transactions are listed in time order (most recent to least recent.) A transaction made with your ATM or Debit Card using a PIN typically is processed and posted to your account on the same day that the transaction is made, or on the next business day. A transaction made with your Debit Card without your PIN may take several business days to post to your account. You may see these non-PIN transactions in the Current Transactions section. We may immediately reduce your Available Balance by the authorization amount requested by the merchant. The amount of the current transaction may differ from the final posted amount. You may choose to show current transactions or hide them by clicking on the minimize/maximize icon (-/+) to the right. You may also be aware of additional transactions that you’ve made which have not yet been presented (such as a check you wrote a few days ago). Current Transactions (For Prepaid Cards Only) Current Transactions include certain credits and debits that have not yet posted to your account. Current transactions are listed from most recent to least recent. A transaction made with your mySpending Card™ using a PIN typically is processed and posted to your account at the same time that the transaction is made. A transaction made with your mySpending Card™, but without your PIN, may take several business days to post to your account. You may see these non-PIN transactions in the Current Transactions section. We may immediately reduce your available balance by the authorization amount requested by the merchant. The amount of the current transaction may differ from the final posted amount. You may choose to show current transactions or hide them by clicking on the minimize/maximize icon (-/+) to the right. Current Transactions (For Personal Credit Cards Only) Current Transactions include certain transactions and other debits that have not yet posted to your credit account and are listed from most recent to least recent. These current transactions may reduce your available credit prior to posting to your account and may differ from the final posted amount. You may choose to show current transactions or hide them by clicking on the minimize/maximize icon (-/+) to the right. Posted Transactions (For Deposit Accounts, Credit Cards, Personal Loans, Prepaid Cards, and some Credit Lines only) The Posted Transactions box displays transactions that have been posted to your account, with the most recent transactions at the top. The Running Current Balance column is displayed (on deposit accounts only) when transactions are sorted by date. You will not see this column if you choose to sort by Number, Description, Debit or Credit. This column represents the Running Current Balance in your account as transactions are posted. If an item in your Running Current Balance is underlined, the balance is a clickable link leading to your "Payable Balance History". Additional "Payable Balance Frequently Asked Questions" are available on the "Payable Balance History" page in Online Banking. Viewing Transactions (For Deposit Accounts, Credit Cards, Personal Loans, Prepaid Cards, and some Credit Lines only) Within the account, you may select to view transactions by type, date range or check number (for deposit accounts only, if applicable). To view a specific type of transaction (debit or credit), select the dropdown menu under "Type" and choose either debit or credit To view a specific date range, enter the date range in the "From" and "To" boxes using the mm/dd/yyyy format, or click the calendar icon to choose a date. On Prepaid Cards, the date range selection applies to the 'Post Date' Click "Display" to display the transactions in the order you’ve just selected. Transactions are automatically displayed by date beginning with the most recent transactions. To sort the list of transactions in a different manner, click on the appropriate column heading – for example, Date, No., Description, Debit or Credit. For checking or money market savings accounts only: To search for a specific check by number, enter the number in the "Check #" box at the top of the transaction list and click "Display" View Transaction Details Details about a specific transaction can be viewed by clicking the transaction description. Detail information varies depending on the type of transaction. For Personal Loans and Home Equity Line of Credit only: Transaction Detail includes the amount of your payment that was applied towards principal, interest, and fees. Payable Balance History Payable Balance is used to determine whether or not your account had sufficient funds at the time a transaction posts to your account. Payable Balance is calculated based upon the Running Current Balance. Running Current Balance is calculated by taking that banking day's Current Balance and adding each credit and subtracting each debit as it is received and posted during that banking day. Running Current Balance is re-calculated for each item as it posts. The Running Current Balance calculated on the last item to post during overnight processing is the Current Balance for the next banking day. Payable Balance is also re-calculated for each item as it posts. Payable Balance equals the Running Current Balance calculated for each item, minus all holds, including Visa® Debit Card authorizations from Current Transactions. Holds for authorized Visa® Debit Card transactions will remain on your account until the purchase is submitted by the merchant for payment and is posted to your account, or until (no more than) three business days after the transaction was authorized. If your Payable Balance is negative after a debit item posts to your account, an overdraft or non-sufficient funds situation may occur. Deposits made later in the same banking day may offset the negative Payable Balance.