Commerce Bank Customer Service

Phone Number & Contact Info

Commerce Bank's Best Phone Number

Toll-free·Calls Customer Service·Most popular Commerce Bank number·We talk to customer service for you·Skip the wait on hold·Call now

How do I talk to a live human at Commerce Bank?

A:Press 0 each time a prompt for a number is asked You can also use our free service that can talk to Commerce Bank for you and report back.

Does Commerce Bank offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Wednesday, and the most busy day is Tuesday.

How long will I wait on hold?

A:The average hold time is 4 minutes. The longest hold times are on Wednesday, and the shortest are on Friday. You can skip the hold time for free.

How do I get through the phone menu to a live person?

Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Commerce Bank below.

Let us call and talk to Commerce Bank for you

Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.

We can get a live person on the line for you

That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Commerce Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0 each time a prompt for a number is asked
Below are some clips we've found from Commerce Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

Heard when the phone system first answers

"Thank you for calling Commerce Bank. For account or credit card information, press one. For online and mobile banking, press two."
Excerpt from a call with Commerce Bank
Wednesday, February 28, 2024 10:40 PM

The first phone menu

"For other options, press five. To hear that again, eight. To speak with a representative at any time, zero.
Thank you for calling Commerce Bank. For account or credit card information, press one.
For online and mobile banking, press two."
Excerpt from a call with Commerce Bank
Wednesday, February 28, 2024 10:40 PM

What are the hours and when should I call?

Commerce Bank operates the call center for this 800-453-2265 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 230 calls made in the last 90 days using our free, web-based phone (see above).

Automatically call when they open

When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Commerce Bank call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Commerce Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Commerce Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Commerce Bank is Wednesday. The most busy day to call is Tuesday. Again, this is based on a sample of 230 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Wednesday.
But if you use our free call and talk for me or wait on hold for me service, you don't really need to worry about average wait times.

The best time to call Commerce Bank

In summation, the best day to call Commerce Bank is Wednesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Commerce Bank staffs the call center well on Wednesday.

Why Customers Call Commerce Bank

If you have time to do a bit of reading before you call Commerce Bank, we recommend you read over some of our problem-specific articles.

What is Commerce Bank's routing number?

Commerce Bank's routing number is a nine-digit code that is required for various financial transactions such as setting up direct deposits, making electronic payments, and wire transfers. Unfortunately, we cannot provide the specific routing number in this response due to the potential for outdated information. However, customers can easily find Commerce Bank's routing number by visiting the bank's official website, contacting their customer service hotline, or checking their account statements. Alternatively, customers can also visit a local branch and speak to a representative who can provide the routing number. It is important for individuals to have the correct routing number to ensure accurate and efficient processing of their financial transactions.

What are the different types of accounts offered by Commerce Bank?

Commerce Bank offers a variety of accounts to cater to different financial needs. These include Checking Accounts, which provide easy and convenient access to funds with features like online and mobile banking, debit cards, and free ATM withdrawals. Savings Accounts allow customers to earn interest on their deposits while keeping their funds secure. Money Market Accounts offer higher interest rates than regular savings accounts, with the flexibility to access funds when needed. Certificates of Deposit (CDs) provide a fixed term and interest rate, making them a great option for long-term savings goals. Commerce Bank also offers Retirement Accounts, such as Traditional or Roth IRAs, to help customers save for retirement. The different account options ensure that customers can choose the one that best suits their financial goals and circumstances.

What is Commerce Bank's policy on overdraft protection?

Commerce Bank offers a comprehensive overdraft protection policy to ensure the financial security of its customers. Our policy allows customers to link their checking account with another Commerce Bank account, such as a savings or money market account, to cover any overdrafts that may occur. This seamless transfer of funds helps prevent any potential disruptions or inconveniences caused by insufficient funds. In addition, Commerce Bank offers overdraft protection lines of credit, subject to credit approval, for further financial assistance. The lines of credit are made available to cover overdrafts, safeguarding customers from unexpected situations. With Commerce Bank's proactive approach to overdraft protection, our valued customers can enjoy peace of mind and financial stability.

Top Commerce Bank customer service problems

Click the link above to get answers to just about any Commerce Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.

More Commerce Bank Customer Service Contacts

There are of course other ways to contact Commerce Bank customer service besides the phone. Below we list the best ones, by medium.

Commerce Bank Customer Help Desk / Web Support - Customer Service
Online customer service support
As a last, sometimes only, resort- Commerce Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Commerce Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Commerce Bank agent. This phone number is Commerce Bank's best phone number because 1,380 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-453-2265 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Commerce Bank first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Commerce Bank has 1 phone number. It's not always clear what is the best way to talk to Commerce Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Commerce Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Commerce Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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