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User Help

Internal Transfers

Transfer between deposit accounts:
  • Select the "From" and "To" accounts in which you want to transfer funds using the dropdown boxes
  • Select the frequency of the funds transfer. You can select one-time transfer or you can set up a series of recurring transfers
  • Enter the date you want the transfer to execute by typing the date in mm/dd/yyyy format or selecting the date using the calendar icon; if you are setting up a recurring transfer, type in the date or use the calendar icon to choose the first transfer date
  • When setting up a recurring transfer, enter the number of transfers you want to make in the “Total # of Transfers” box or select “No End Date” to have transfers recur until you cancel the series
  • Enter the transfer amount.
  • Select Continue to complete your transfer or Cancel to clear the form
  • If you select Continue:
    • Verify the details of the transfer, and if they are correct, select "Submit"
    • To edit the transfer, select "Back"
    • To cancel the transfer, select "Cancel"
Transfers made on a weekend, on a Bank Holiday or after 7:00 p.m. Central Time on a business day, are processed on the next business day.
Monthly transaction limits may apply. Subject to applicable account transaction fees.

Transfer from your Commerce Home Equity Line of Credit to your Commerce checking or savings account:
  • In the "From" field, select the Home Equity Line of Credit
  • In the "To" field, select the deposit account to which you want the funds to be transferred
  • Transfers from a Home Equity Line of Credit must be immediate. You may not establish recurring or future-dated transfers. Therefore, you will not be able to select an alternate frequency, date or total number of transfers
  • Enter the transfer amount; the minimum amount that may be transferred from a Home Equity Line of Credit to a deposit account is $50
  • Select Continue to complete your transfer or Cancel to clear the form
  • If you select Continue:
    • Verify the funds details of the transfer, and if they are correct, select "Submit"
    • To edit the transfer, select "Back"
    • To cancel the transfer, select "Cancel"
Please note: A transfer made before 7:00 p.m. Central Time on a business day will post to your accounts as of the same business day, but the debit will not be reflected in your Credit account balance until the next business day.

Transfer funds from your ReadyLine of Credit account to your Commerce checking or savings:
  • In the "From" field, select the ReadyLine of Credit account
  • In the "To" field, select the deposit account to which you want the funds to be transferred
  • Transfers from a ReadyLine of Credit account must be immediate. Therefore, you will not be able to select an alternate frequency, date or total number of transfers
  • Enter the transfer amount. The minimum amount that may be transferred from a ReadyLine of Credit account to a deposit account is $50. The maximum amount is the amount of available credit.
  • Select Continue to complete your transfer or Cancel to clear the form
  • If you select Continue:
    • Verify the details of the funds transfer, and if they are correct, select "Submit" to send the transfer for authorization
    • To edit the transfer, select "Back"
    • To cancel the transfer, select "Cancel"
Transfers made on a weekend, on a federal Holiday or after 7 p.m. CT on a Business Day, are processed on the next Business Day.

Transfer funds to make a payment on your Commerce loan, line of credit, or credit card:
  • In the "From" field, select the deposit account from which you want the payment to be made
  • In the "To" field, select the loan, line of credit, or credit card on which you want to make the payment
  • Indicate the amount of your payment; you will have several selections to choose from. Examples include, depending on the product type, paying a pre-populated amount based on an amount due or your regular payment amount; paying the minimum amount due; paying whatever amount you choose; and/or making a payment towards principal only. All payments will be applied in accordance with your loan, line of credit, or credit card documents. Certain payments could result in prepayment penalties. Consult your loan documents for details.
  • Select the frequency of the payment. You may make a single payment or set up recurring payments (recurring payments may not be available depending on account type).
  • Select “Continue” to complete your transfer or “Cancel” to clear the form
    • If you select “Continue”:
    • Verify the funds details of the transfer, and if they are correct, select "Submit"
    • To edit the transfer, select "Back"
    • To cancel the transfer, select "Cancel"
Please note: A transfer made on a Business Day before 7 p.m. Central Time (4 p.m. Central Time for transfers to a Small Business Line of Credit or Small Business Term Loan) will post to your accounts as of the same business day.

To transfer funds to your Commerce prepaid card:
  • In the "From" field, select the deposit account from which you want the payment to be made.
  • In the "To" field, select the mySpending Card that you want funds to be transferred to.
  • Enter the transfer amount. There are both minimum and maximum amounts that apply to your mySpending Card, as well as limitations on the number of transfers you can make during a specified time. Please refer to your mySpending Card Cardholder Agreement for more information.
  • Select Next to continue or select Cancel to clear the form.
  • If you select Next:
    • Verify the details of the payment, and if they are correct, select "Transfer Funds".
    • To edit the transfer, select "Return".
    • To cancel the transfer, select "Cancel".
Transfers made on a weekend, on a Bank Holiday or after 7:00 p.m. Central Time on a business day, are processed on the next business day. Funds transferred to your prepaid card are available immediately after your transfer occurs.
Monthly transaction limits may apply. Subject to applicable account transaction fees.