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. The app lets you access your accounts, 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™.

Download On The App Store
Get It On Google Play

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

To 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 below.


Mobile Banking App Basics

The Commerce Mobile Banking App lets you access and manage your accounts, 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.

In order to use the mobile banking app:

  • You must be enrolled in Online Banking at Commerce
  • You must have: Apple iPhone or iPad with iOS 6 or above or an Android device with Android 4.1 or above

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

Once you download the app, you will be automatically notified of new versions when they become available.

Our system will automatically log you out after 10 minutes of inactivity.

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

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.

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”

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

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.

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.


All the accounts that you can view in Commerce Online Banking are available through Commerce Mobile Banking.

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

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.

You will automatically have access to the Mobile Deposit feature when you log in to Mobile Banking.

Mobile Banking options are free for Commerce Online Banking customers. Standard text messaging or data rates may apply, so check with your carrier for details.

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.

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.

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.”

Splitting a deposit between two accounts is not currently supported.

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.

If you do not receive confirmation that your deposit was received by Commerce, please log back into the App and complete the deposit process again.

Our App will ask you to confirm the deposit amount prior to final submission to Commerce. You can adjust the amount at that time.

Security and Privacy

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.

Only you will see your information. Your information is never shared with a third party or another financial institution.

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.

Commerce Mobile Services