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FDIC-insured community bank in Winter Park, FL offering personal and business checking, savings, loans, and investment products with local decision-making.
Data compiled from public sources
Commerce Bank & Trust is a locally-owned, FDIC-insured community bank headquartered in Winter Park, Florida. The bank emphasizes its roots in the Central Florida community and its commitment to personalized, locally-made financial decisions. Founded with over 100 years of combined lending experience among its leadership team, CB&T positions itself as an alternative to larger regional and national banks.
The bank offers a comprehensive range of personal banking services including checking and savings accounts, money market accounts, CDs and IRAs, safe deposit boxes, home loans, and personal loans. For business customers, CB&T provides business checking, savings, money market accounts, and commercial loans. All deposit products are FDIC-insured.
Customers can access services through the Winter Park lobby (Monday-Thursday 9am-4pm, Friday 9am-5pm), drive-through banking (Monday-Friday 8am-5pm), online banking portal, and a mobile app. The bank features a loan calculator tool and allows appointment scheduling for personalized service. CB&T distinguishes itself through its emphasis on local ownership and decision-making, contrasting with national chain banks.
The bank specifically targets Central Florida's small businesses, professionals, and residents. Their marketing highlights personalized attention and a community-focused mission statement, though specific details are not provided on the website. The presence of a management team and board of directors page suggests an established organizational structure.
As a small community bank, CB&T's primary limitations include geographic constraint to one Winter Park location and likely higher fees or lower rates compared to large national banks with economies of scale. The website lacks specific rate information, fee schedules, or detailed product terms, requiring customers to contact the bank directly. No information about credit cards, wealth management, or investment advisory services is mentioned, limiting its appeal to customers seeking comprehensive financial services.
This is state-level context for Banks consumers in Winter Park, FL. It does not confirm that Commerce Bank & Trust or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Commerce Bank & Trust offers 12 services including Personal checking accounts, Personal savings accounts, Money market accounts (personal and business), CDs and IRAs with FDIC insurance, Safe deposit boxes, and 7 more.
Commerce Bank & Trust has profile signals associated with Small business owners and professionals in Central Florida seeking relationship-based commercial banking, Central Florida residents who value local community bank ownership and decision-making over national chain banks, Customers prioritizing FDIC-insured savings and straightforward deposit products without complex investment products, Individuals seeking personalized loan consultations for home purchases, refinancing, or personal loans.
Key strengths: FDIC-insured deposits provide federal protection up to applicable limits; Locally-owned bank with decisions made by local management team with 100+ years combined lending experience; Mobile banking app allows account management from smartphone (view balances, deposits, transfers, bill pay). Areas to consider: Single physical location (Winter Park, FL) limits accessibility for customers outside Central Florida area; Website lacks specific interest rates, APY percentages, and fee schedules—customers must call or visit to compare.
In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Commerce Bank & Trust is profile signals for Central Florida residents and small business owners who prioritize local ownership, relationship banking, and FDIC-protected deposits over rate claims to verify or extensive product offerings. The main caveat is the single-location footprint and lack of listed pricing online, requiring direct contact for rate and fee comparisons—making it less suitable for customers seeking convenience or quick rate shopping.
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Google rating from 17 reviews
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Google rating from 39 reviews
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Google rating from 76 reviews
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