Commerce Bank

THIS is unbelievable.
Calling Commerce Bank and going thru all the automatic prompts brings this amazing question: «What is your Social Security Number?»
In this day and age that is obscene!

Absolutely THE WORST!!! Commerce bank makes money every time I overdraft, over $ 35 per time which IMO is enough punishment for your loyal customers. Then I deposited an insurance check which was over $ 3000 and «a decision was unilaterally made by the mgmt of the Demun branch to hold the check for 7 days» to punish me for overdrafts. This harms my child, my wife and myself. Given that they profit from overdrafts, why the extra «punishment»? Just to screw with your customers? Screw Commerce. DO NOT BANK AT COMMERCE BANK!!!

Wow, Commerce Sucks.
I recently became the head of my very small condo association, so I have to oversee our business checking account, pay bills, make deposits, etc. Commere has made this process PAINFUL.
I had to go in person to fill out paperwork (understandable) while they talked down to me the whole time.
Even though I asked about this at the time, I had to separately go in a second time to request an ATM card, which was mailed to me 3 weeks later. Of course, it took multiple different people via phone who could help me change the pin number.
I had to go in a THIRD time to request «remote deposit» for small banking. All they gave me was some stupid survey form, so I don’t think they understood me. I tried calling their Customer Service, and they told me I have to apply for remote deposit in person. Guess I’ll have to go back a FOURTH time.
I had to separately complete a process (in person and on paper, which I find absurd) to access my account online.
Then, there was a SEPARATE process (and a separate website) for online bill pay. Why isn’t this integrated with the same website as viewing my account activity? And why did I have to mail in forms, only to have approval mailed back to me 3 weeks later, only then to access bill pay (again, separately from account details)?
I find this absurd. With all the bad press with Bank of America, at least BofA makes the whole online process easy. Not to mention check deposits via mobile app (which Commerce doesn’t offer. I still have no idea what they mean by «remote deposit» for small businesses, since no one at Commerce seems able to tell me).
Commerce Bank seems to be the kind of bank for people who like to do things in person at their local branch. Not me, no thank you.
I realize most of my rant is about Commerce in general, but a lot of this hassle stems from the branch location on Clayton. If they had just asked me to fill out all the various paperwork so that everything would be approved at roughly the same time, this whole 2-​month headache would have actually been pleasant.

I use this location more for the ATM than the services inside but when my debit card finally broke it was nice to be able to walk in and get help as soon as possible. Unfortunately, this location doesn’t have the ability to print new cards so I had to drive to the Grand location. Here’s hoping they get that soon because with all my Unilocaling I’m swiping my card at least 3 – 4 times a day.
I’ve been with Commerce Bank since I was in College and have always loved the expert service and benefits that I receive with a My rewards checking account. I’ll definitely be sticking with Commerce.

Wow.
Never before have I been this blown away by a bank, nor a certain employee at a bank. I’ve been with Commerce for a long time but went in today to create a new checking/​savings account combo. There was no wait at all (try to find THAT at the Delmar location) so I signed in and only sat for maybe a minute. Hugo came right over and brought me to his desk where we chatted about different finance options. He explained everything so clearly until I understood it (money is not one of my strong areas,) and pretty quickly I had my new accounts! Here’s where it got really amazing, though. Hugo asked me about my car payments and interest rates, and then said: «Have you ever thought about refinancing?» I replied «No, but tell me more…»
I found out, I kid you not, I can refinance through Commerce and save $ 100 DOLLARS A MONTH. He took me through the process, and once again explained everything expertly. I’m amazed at how kind and patient he was, and he even told me to come back next week and we could talk about certain ways of saving and making money. «Free financial advice comes with being a customer,» he said. I never would have even thought to mess around with my car payment.
After my account was set up I ordered checks (and was given temporary ones,) and I just had to swing by another branch that could print out my debit card. Nothing in this realm has ever been this easy.
Consider me a very happy customer — one who soon will have a lower car payment!