Commerce Bank

Commercial bank · Kansas City, United States

Commerce Bank is a regional bank headquartered in Kansas City, Missouri, and the main subsidiary of Commerce Bancshares, Inc. (Nasdaq: CBSH), a publicly traded holding company with about 35 billion dollars in assets as of June 2026. Its core branch footprint covers Missouri, Kansas, Illinois, Oklahoma and Colorado, with commercial-only offices in several other states and commercial payment services offered nationwide. The bank provides consumer and business checking, commercial lending, equipment financing, merchant and payment processing, and wealth and trust management through its Commerce Trust division. The register entry that named it points to the bank's own online-banking sign-in page rather than a separate legal entity.

Legal name: Commerce Bank
Regulated by: Federal Reserve (state member bank), Missouri Division of Finance, FDIC (deposit insurance)
Licence confirmed: yes, on a regulator's own list
Established: 1865
Website: www.commercebank.com

Scores, 0 to 10

7.5Financial strength & stability

Moody's baseline credit assessment of a2 places Commerce among the top 11 rated US banks, with a Tier 1 common risk-based capital ratio of 17.09 percent at March 2026. · source

6.5United States

State member bank chartered in Missouri with branches in five states and commercial payment services offered in 48 states, but no nationwide retail branch network. · source

6.5Customer satisfaction

The bank reports a 4.7-star Apple App Store rating as of June 2026; no Trustpilot business-account page was found. · source

5.5Trade, manufacturing & import-export

Offers import and export letters of credit and documentary collection services, but is not positioned as a global correspondent trade bank. · source

5.5Business cards (Visa, Mastercard)

Reports 9.9 billion dollars of commercial card volume for 2025, indicating an established business card programme, though card fee terms are not published on the public site. · source

5.0Cross-border payments, FX and multi-currency accounts

Cross-border payments move over SWIFT and Fedwire with a stated SWIFT code, but the bank publishes no currency count or FX margin. Offers commercial payments, supply-chain finance, accounts payable processing and merchant services nationwide, but no published cash-pooling or global account structure. · source

4.5On-ramp: buy crypto with fiat

Commerce Bank sells no crypto; its card agreement treats cryptocurrency purchases as cash advances rather than blocking them, and a July 2026 exchange guide says it places no published restriction on debit card or ACH payments to licensed exchanges, but that guide is exchange marketing and no business policy exists, so evidence is thin. · source

4.0Online businesses: e-commerce and SaaS

The bank states a national presence in commercial payment and merchant solutions, but does not publish acquiring or marketplace-payout products. No API, accounting-integration or SaaS-specific banking product is published. · source

4.0Startups & VC-backed companies

No dedicated startup, venture-debt or pre-revenue programme is published; startups would be treated as ordinary small-business clients. · source

3.5Crypto-friendly bank

Commerce Bank publishes no stated policy on onboarding crypto exchanges, brokers or VASP-licensed firms. · source

3.5Lowest fees

No public fee schedule for business checking or transfers was found on the bank's site. · source

3.5Best interest on business balances

No published interest rate or treasury sweep terms for business operating balances was found. · source

3.5Fast digital onboarding

No self-service online business account application or typical opening timeline is published; the bank markets a consultative, relationship-banker model. · source

3.5Fintech companies that need a partner bank

No published safeguarding, BaaS or sponsor-banking programme for EMIs or payment firms was found. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on iGaming, cannabis, adult or forex-broker clients was found on the bank's site. · source

3.0Foreign-owned & non-resident companies

No published policy on onboarding foreign-owned companies or non-resident directors was found; the bank markets itself around local, in-person relationship banking. · source

1.0Crypto wallet and custody for a business

No crypto holding for any client: Commerce Bank's deposit agreement contains no digital asset terms and no custody or wallet product was found on its site or in press, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants was found on Commerce Bank's business or payments pages or in press, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, custody or funds for business or personal clients were found on Commerce Bank's site or in press, checked September 2026. · source

1.0Ethereum

No ether product of any kind was found on Commerce Bank's site or in press, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement network membership was found for Commerce Bank, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.