C
Commerce Bank
Contact
BBB:
Commercial Bank in Saint Louis, MO
Commercial Bank is a community bank offering checking, savings, credit cards, business loans, and mortgage services with a focus on high-yield deposit accounts and nationwide ATM access.
Data compiled from public sources · Rating from CreditDoc methodology
Commercial Bank Review
bank, serving retail and business customers with comprehensive banking services. The bank emphasizes personal relationship banking combined with modern digital conveniences, positioning itself as a hometown financial institution with nationwide reach through partner networks. 00% cash back), credit cards with rewards, home mortgages, business loans, and ATM access through the MoneyPass network.
They provide digital-first conveniences like mobile check deposit and Xpress Deposit for business customers, alongside traditional services like check reordering and loan payments. Their product suite targets both individual consumers seeking higher yields on deposits and business owners needing lending solutions. 00% cash back on balances up to $15,000 with ATM fee refunds, which is notably higher than typical bank offerings.
They emphasize surcharge-free ATM access through MoneyPass's national network and position themselves as a community bank alternative to larger institutions while maintaining digital banking capabilities. Based on the available website content, Commercial Bank appears to be a legitimate regional community bank offering standard banking products. However, the website provides limited detail on interest rates, APRs, fees (beyond ATM refunds), lending terms, or regulatory information, which is common for bank homepages but limits full due diligence assessment.
The emphasis on high-yield checking accounts suggests competitive positioning in the retail banking market.
Services & Features
Business loans with personalized solutions
Check reordering and loan payment services
Credit cards with rewards and worldwide acceptance
Home mortgages and mortgage applications
Kasasa Cash Back checking with ATM fee refunds
Kasasa Cash checking with 4.00% cash back
Lost or stolen card reporting
Mobile check deposit
MoneyPass surcharge-free ATM network access
Online banking platform with login
Xpress Deposit for business check deposits
eZBusiness account management
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Kasasa Cash checking offers 4.00% cash back with ATM fee refunds, significantly higher than standard bank accounts
- Kasasa Cash interest paid on balances up to $15,000, raising the cap for competitive earnings
- Nationwide surcharge-free ATM access through MoneyPass network eliminates withdrawal fees
- Mobile deposit available, allowing check deposits via phone without branch visits
- Business-focused products including Xpress Deposit for office check deposits and personalized business loans
- Online banking and eZBusiness platforms for account management and business operations
- New credit card products with hometown convenience and worldwide acceptance
- Digital privacy and security statements available for consumer protection transparency
Cons
- Website lacks specific APR rates, fee schedules, or loan terms for informed comparison
- Limited information about qualification requirements for advertised high-yield accounts
- No details on CD rates, savings account options, or other deposit products beyond Kasasa accounts
- Website does not specify physical branch locations or service area coverage
- Minimal transparency on business loan terms, rates, or eligibility criteria despite business lending focus
Rating Breakdown
Value 5.0
Effectiveness 3.7
Customer Service 3.8
Transparency 4.0
Ease of Use 4.5
Frequently Asked Questions
Is Commercial Bank legitimate?
Yes. Commercial Bank is a registered company, headquartered in Saint Louis, MO, founded in 1988.
How long does Commercial Bank take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 1988
- Headquarters
- Saint Louis, MO
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #27409
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Commercial Bank
Commercial Bank is best for consumers and small businesses seeking community banking with competitive deposit rates (particularly high-yield checking) and nationwide ATM access. The main caveat is that the website provides limited information on lending rates, fees, qualification requirements, and specific account terms, requiring direct contact with the bank for detailed comparison before opening accounts or applying for loans.
Best For
- Consumers seeking high-yield checking accounts with competitive cash back rewards
- Small business owners needing personalized lending and convenient deposit solutions
- Retail customers wanting surcharge-free ATM access across the nation
- People preferring community banking relationships with digital banking conveniences
Updated 2026-04-29
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C
Commerce Bank
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BBB:
C
Commerce Bank
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BBB:
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