What to Do When You Can’t Pay Your Commerce Bank Bill
Commerce Bank is an FDIC-insured bank offering personal banking, business banking and investment options. Personal banking options include online banking and online bill pay. Online bill pay is not free for all Commerce Bank accounts. Regular checking and Interest checking must pay a fee of $6.95 per month for 20 payments and $0.60 for each additional payment made through online bill pay. Commerce Bank is one of the few banks that charge for online bill pay.
How to Pay the Bill
Commerce Bank bill pay is available through your online banking account. You must sign-up for bill pay access and agree to pay the monthly fee is applicable. You’ll need to have an account with Commerce Bank before signing up for online banking and online bill pay. Once inside your online banking account, simply click the button that reads “Pay bills.” There is a four-hour waiting period before online bill pay is ready for first use.
Pay online: You can pay your Commerce Bank bill online at https://banking.commercebank.com/cbi/login.aspx. It is important to regulate how many bills you pay each month if you are limited to 20 transactions per month. After the first 20 transactions, you will pay for each transaction scheduled in bill pay.
Questions About Your Billing Statement or Account?
Customers using the online bill pay option from Commerce Bank may have questions about monthly bill pay fees and other charges. The Online Banking Terms and Conditions answer many customer questions. There is also a FAQs section. The customer service phone number is 1-800-986-2265.
How the Penalty Fees Work
Commerce Bank is a fee-driven business. There are fees charged for everything from ATM transactions to account maintenance.
- MyDirect Checking Fee: $3 per month if account is not active. $2 per check. $1 per statement.
- MyRewards Checking: $7 per month if account terms are not met.
- Interest Checking: Variable monthly fee.
- CommerceOptions Plus: $12 per month if account terms are not met.
- CommerceOptions Premium: $20 per month if account terms are not met.
- SeniorPartners: Variable monthly fee.
- Stop payment fee: $20 per check.
- Returned check fee: $20 per check.
I Can’t Make a Payment
If you are having trouble using Commerce Bank online bill pay, contact the online customer service department at 1-800-986-2265. It is best to call customer service rather than visit a local branch. Tellers may not have experience with online bill pay.
Commerce Bank is not available to help you make bill payments from outside billers. If you are unable to make a payment to an outside biller, contact the biller for payment plan information. It is best to contact companies before service is disconnected or the bill reaches the collection stage to reduce the risk of late payment and collection fees.
Will They Work With Me to Pay My Bill?
Yes, Commerce Bank will work with you to learn the bill pay options and services, but the bank will not work with you to pay your overdue bills. There are several lawsuits against Commerce Bank for charging unlawful fees.