How do I Activate my Commerce Bank Debit Card? Login to Commerce Bank Debit Account

How do I Activate my Commerce Bank Debit Card? Login to Commerce Bank Debit Account

Reach for your Commerce Bank Visa® Debit Card for your everyday spending, from a cup of coffee to a trip to the grocery store. With the latest purchasing technology, you can make payments faster than ever – online and at the checkout counter.


ATM cards give you access to cash from an ATM or through PIN point of sale purchases. The Visa Debit card gives you a fast, easy and secure way to make purchases anywhere Visa is accepted.

Purchases made with your Visa Debit card debit directly from your checking account. A credit card accesses a line of credit.

You can use Visa Debit anywhere Visa is accepted at millions of locations worldwide.

How do I activate my Commerce Bank debit card?

• Activate online at

• Call 1-800-858-1200

• Visit a branch

How do I select or change my PIN

To select or change your PIN, you can:

• Select your PIN when you activate your card

• Call 1-800-617-7480, select option 5

• Visit a branch with instant issue capability

• Change your PIN at a Commerce ATM (you must know your current PIN to change it)

Commerce Bank DirectCheck Card

Some participating merchants provide you the option of either selecting Debit and entering your PIN or selecting Credit and signing for your purchase. If you select Debit and enter your PIN, a participating merchant allows you to receive cash back over your purchase amount at the register whereas if you select Credit and sign for your purchase there is no cash back option. Use your card however you choose.

My debit card is going to expire soon. What should I do?

You should receive a new card in the mail two weeks to a month before you current card expires. If you do not receive your new card a week before the expiration date, call customer service at 1-800-617-7480, and select option 7.

Commerce DirectCheck Card allows you to cut unnecessary payroll costs, expand Direct Deposit participation and reduce fraud risk. You can:

  • Reduce payroll expenses
  • Increase direct deposit participation
  • Eliminate out-of-cycle checks due to loss or theft
  • Reduce risk of check fraud
  • Simplify your reconciliation process

Employee Benefits: Convenient Access

No checking account? No problem. Employees can get direct deposit without having a checking account. With the DirectCheck Card, your employees are eligible to:

  • Get immediate access to funds on payday
  • Avoid check-cashing fees
  • Make purchases anywhere Visa debit cards are accepted
  • Shop or pay bills online, by phone or by mail
  • Sign up for online account information and text alerts1
  • Avoid liability for unauthorized transactions if the card is lost or stolen

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