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commerce bank myspending card

commerce bank myspending card


commerce bank myspending card: Commerce Bank knows life’s best moments that can come with financial challenges, their mission is to help people and businesses solve financial difficulties so they can focus on the purpose that matters most.


For about 150 years, they’ve provided individuals, businesses, and communities and the innovative help and personal attention they need to acquire the things that are valuable to them. They provide both high-touch personal service and innovative solutions for their customers to make them the bank when, where and how they prefer.

How to pay with commerce bank myspending

You can pay with Apple pay™

You can pay with Samsung pay, Android pay

You can pay with Visa®Checkout



How to get commerce bank myspending card

Eligibility Requirements

Current Commerce Bank clients are eligible for this card only. If you need to apply, individuals will be asked to give information for your existing Commerce Bank account.

So individuals can only apply for a card in their name.

Choose on Continue to proceed with your order.

Note: For non-Commerce Bank customers ensure you visit a local branch to open a card. Click on HERE to apply

Commerce bank myspending card near me

You can find them near you by clicking HERE 
Note: Card sales and registration not supported in: AL – Alabama, AK – Alaska, AS – American Samoa, AZ – Arizona, AR – Arkansas, AA – Armed Forces America, AE – Armed Forces Europe, AP – Armed Forces Pacific, CA – California, CT – Connecticut, DE – Delaware, DC – District of Columbia, FM – Federated States of Micronesia, FL – Florida, GA – Georgia, GU – Guam, HI – Hawaii, ID – Idaho, IN – Indiana, IA – Iowa, KY – Kentucky, LA – Louisiana, ME – Maine, MH – Marshall Islands, MD – Maryland, MA – Massachusetts, MI – Michigan, MN – Minnesota, MS – Mississippi, MT – Montana, NE – Nebraska, NV – Nevada, NH – New Hampshire, NJ – New Jersey, NM – New Mexico, NY – New York, NC – North Carolina, ND – North Dakota, MP – Northern Mariana Islands, OH – Ohio, OR – Oregon, PW – Palau, PA – Pennsylvania, PR – Puerto Rico, RI – Rhode Island, SC – South Carolina, SD – South Dakota, TN – Tennessee, TX – Texas, UT – Utah, VT – Vermont, VI – Virgin Islands, VA – Virginia, WA – Washington, WV – West Virginia, WI – Wisconsin, WY – Wyoming

commerce bank customer service

Contact Information

Telephone: 1 (800) 453-2265

mySpending Card Customer Service*: 1-888-373-2883


Written Communication:

Commerce Bank
PO Box 411036
Kansas City, Missouri 64141-1036

Fee Information

Summary of fees for Commerce Bank mySpending Card®

  • Monthly fee

  • Per purchase

  • ATM withdrawal

    $0 in-network
    $2.50 out-of-network
  • Cash reload

Type of fee Amount
ATM balance inquiry (in-network or out-of-network) $0 or $2.50
Customer service (automated) $0.50 per call
Inactivity (after 12 months with no transactions) $0



We charge 6 other types of fees. Here are some of them:
Type of fee Amount
Initial Value Load Fee $5.95
In-person cash withdrawal (U.S. or non-U.S. institution) $5.00


No overdraft/credit feature.
Individual funds are eligible for FDIC insurance.

For general information about prepaid accounts, visit by clicking HERE

Find details and conditions for all fees and services inside the package, or call 1-888-373-2883
or visit by clicking HERE


Detailed list of all fees for Commerce Bank mySpending Card®


Get started
All fees Amount Details
Initial Value Load $5.95 This charge will be deducted from the first load made to the Card. The description will be displayed as ‘Initial Value Load’.
Additional Card $2.00 Fee for additional Card on same Account (Up to two)



Monthly usage
All fees Amount Details
Monthly fee $0 Fee for monthly maintenance of the Account



Add money
All fees Amount Details
Direct deposit $0
Cash reload $0
Debit card reload $0 Fee associated with Commerce Bank debit card load through by clicking HERE at time of load
Online Banking transfer $0 Fee associated with transferring funds from a Commerce Bank Checking or Savings account




Get cash
All fees Amount Details
ATM withdrawal (in-network) $0 “In-network” refers to the Commerce Bank ATM Network. Locations can be found at by clicking HERE
ATM withdrawal (out-of-network) $2.50 This is our fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
In-person cash withdrawal $5.00 This is our fee for a teller-assisted cash withdrawal at U.S. and non-U.S. financial institutions. Other financial institutions may also charge you a fee for in-person cash withdrawals made at their locations. Finally, you may be charged a fee by other third parties for cash withdrawals made at the point of sale (cashback).



ALSO, READ : bank of america cashpay government card



All fees Amount Details
Customer service (automated) $0.50 Per call. Fee may be charged all time you contact their automated customer service line, and for balance inquiries or loading funds. One call per week per Account at no charge; $0.50 per call thereafter.
ATM balance inquiry (in-network) $0 “In-network” refers to Commerce Bank ATM Network. Locations can be found at
ATM balance inquiry (out-of-network) $2.50 This is their fee. “Out-of-network” refers to all the ATMs outside of the Commerce Bank ATM Network. Individual may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Text alert $0 You may choose to receive mobile text alert messages, and your Card balance, signing into your online account at by clicking HERE and stating your preferences. Standard text rates and/or web access charges may apply. check your wireless phone carrier for details.




Using your Card outside the U.S.
All fees Amount Details
International transaction 2% Of the U.S. dollar amount of each transaction.
Service Assessment Fee 2% Fee for single currency international transaction done in U.S. Dollars
International ATM withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry $2.50 This is our fee. You may also be charged a fee by the ATM operator.
International teller cash withdrawal $5.00 Fee for teller cash transaction from a non-U.S. financial institution.




All fees Amount Details
Inactivity $0 Fee charged each month after you have not completed a purchase or withdrawal with your card for 12 months.
Card replacement $5.00 Per Card. In the event your Card is lost, stolen or damaged, you may request a replacement Card twice per year per Account at no cost. You will be charged $5.00 per Card for subsequent replacement Cards within a calendar year.
Express delivery $25.00 You will be charged $25.00 in the event that you request express delivery of a Card.
Unload and close $15.00 In the event that you request funds be unloaded and your Card closed, we will provide you with a check in the amount of the remaining balance, less any fees owed.
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