Commerce Mobile Banking App

Commerce Mobile Banking app

Get the Commerce Mobile Banking app and start banking at the speed of life.

Get the ultimate freedom and flexibility with the Commerce Mobile Banking app from Commerce Bank. The app lets you access your bank, bill pay, and debit card accounts anytime, anywhere. It’s the secure, smart, and simple way to pay bills, view transactions, and transfer money.

Click below to download for iPhone®, iPad®, or Android™.
App Store - iOS

App Features
View Transactions

Check on your cash flow and finances in real time. View your checking, savings, certificates of deposit, and loan accounts.

Make Transfers

Securely move money where you need it, when you need it. Make transfers that are just as fast and secure as online banking.

Pay Bills

Set up payments and pay bills anytime, from anywhere.

Deposit Checks

Deposit checks securely from anywhere. Simply take a picture of the front and back of an endorsed check. Above your signature endorsement, please write “For Mobile Deposit Only”.


Establish payees and set up Person to Person payments using mobile banking.

Card Management

Activate, suspend, and reorder ATM and debit cards via mobile banking.

Get started

Download and login

Commerce Mobile Banking app iconTo download our Mobile App, simply visit the iOS App Store or Google Play on your phone or tablet, search for “Bank with Commerce” or “Commerce Mobile Banking” and follow the download instructions.

After you download the app, enter your Online Banking ID and Password and follow the on-screen instructions. For additional security, you may be asked to answer your multi-factor authentication security questions after attempting to log in.

Your online banking and bill pay information will automatically sync with the app. Then you can make a payment to any existing payee from the app.


Learn more about the app’s features, managing accounts, security, and more in the Mobile Banking App FAQ.


Mobile Banking App Basics

What is the mobile banking app?
The Commerce Mobile Banking App lets you access and manage your bank, bill pay and debit card accounts at the speed of life. That means you can pay bills, view transactions and transfer money from anywhere at anytime.
Are there any requirements to use the app?
In order to use the mobile banking app:

  • You must be enrolled in Online Banking at Commerce Bank
  • You must have: Apple iPhone or iPad with iOS 6 or above or an Android device with Android 4.1 or above
What functions can I perform from my mobile device?
Using the Commerce Mobile Banking App, you can:

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay bills to existing payees
  • Set up Person to Person payments
  • Deposit checks
  • Card management
  • View alerts
  • View locations/ATMs
How will I know when updated versions of the app are available?
Once you download the app, you will be automatically notified of new versions when they become available.
What if I forget to log out when I’m done using Mobile Banking?
Our system will automatically log you out after 10 minutes of inactivity.
What if I no longer want to be a mobile user?
Log in to your online banking account and select Options > Mobile Settings > Web Mobile Settings. Then deselect the box for enabling web access and click Submit.

Bill Pay

Why can’t I add a new Bill Payment payee?
The Mobile Bill Payment functionality is limited to sending payments to already established payees. To add a new payee, log in to your online banking account, select Bill Pay, and Add a Payee. You can then submit payments to that payee via your mobile device.
How do I pay a bill?
After you add a company or person as a payee through your online banking account, you can pay a bill as follows:

  1. Select “Pay Bills” from the menu
  2. Select the payee you wish to pay
  3. Choose the pay-from account, enter payment amount, and select payment date
  4. Select “Submit”
How does the P2P feature work?
You can establish payees and set up Person to Person payments using mobile banking Apps 3.0 and above.
Payee Setup

  1. Enter payee Name, Nickname, Email and Keyword. Select Submit.
  2. You will need to provide the payee with the keyword.
  3. Email generates to the payee.
  4. Payee enters keyword and completes the setup process.

Payment Setup

  1. Select the Person to Pay
  2. Select Pay From Account
  3. Enter Payment Amount
  4. Select Process Date
  5. Optional Memo line
  6. Select Submit
How do I know if my transfer or bill payment was entered successfully?
If you selected to receive text alerts, each time you make a transfer or bill payment a confirmation Text Message is sent to your mobile device. If you do not receive a confirmation Text Message, double check to make sure the transaction went through via your online banking account.
What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you receive a text message as confirmation that the transaction was successful. If you do not receive this message, or you did not select text alerts during enrollment, check your accounts and re-submit any transactions that did not process.


Are all of my accounts available through Mobile Banking?
All the accounts that you can view in Commerce Online Banking are available through Commerce Mobile Banking.
How do I transfer money between accounts?
You can move money where you need it when you need it with your mobile banking app. Simply:

  1. Select “Transfer” from the menu
  2. Select “From” and “To” accounts
  3. Enter Transfer Amount and Transfer Date
  4. Select “Submit”

Mobile Deposits

What is Mobile Deposit?
Mobile Deposit is a fast, easy and convenient way to use an iPhone, Android phone, or iPad device to deposit checks into your eligible checking or savings account by using the Commerce Mobile Banking App.
How do I get access to Mobile Deposit?
You will automatically have access to the Mobile Deposit feature when you log in to Mobile Banking.
Is there a charge to use Mobile Deposit?
Mobile Banking options are free for Commerce Bank Online Banking customers. Standard text messaging or data rates may apply, so check with your carrier for details.
What types of checks can I deposit through Mobile Deposit?
Checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business and government checks, are eligible, as long as they are payable to and endorsed by the account holder. International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), checks drawn against a line of credit, and cash are not available for Mobile Deposit.
What are the cut-off times for deposits made with Mobile
We can process mobile deposits until 7:00 pm CT on a business day. If you make a deposit after 7:00 pm CT or on a day we are not open, the deposit will be processed on the next business day. Every day is a business day, except Saturdays, Sundays, and federal holidays.
How do I endorse the check and take a picture of it using Mobile Deposit?
Once you have deposited the check successfully, you should keep the check for 30 days. After 30 days and after you verify the funds have been applied to your account correctly, you should destroy the check or mark it “VOID.”
Can I split a deposit between two accounts?
Splitting a deposit between two accounts is not currently supported.
If a hold is placed on my check, how will I know?
If a hold is placed on the check that you deposited, you will be mailed the hold form within 24 hours of the accepted deposit.
What do I do if my deposit stopped in the middle of the process?
If you do not receive confirmation that your deposit was received by Commerce Bank, please log back into the App and complete the deposit process again.
What do I do if I accidentally entered the wrong amount?
Our App will ask you to confirm the deposit amount prior to final submission to Commerce Bank. You can adjust the amount at that time.

Security and Privacy

How can I prevent others from using the mobile banking app on my phone?
Upon initial setup, you will be asked to enter your online banking ID and password. This password will be required each time you launch the app and can only be changed through your online banking settings. Please keep your password private for your protection.
Who will see my bank information?
Only you will see your bank information. Your information is never shared with a third party or another financial institution.
Is this app safe to use over Wi-Fi?
Yes, the use of the mobile banking app over Wi-Fi is no different than using it on your phone’s data connection. All data is sent over an encrypted Secure Socket Layer (SSL) connection.