mySpending Card FAQs (2024)

If you purchase an instant issue Card at a Commerce Bank branch, you will choose your PIN at that time. Ifyou purchase a Card online or request a mail order Card, you will mustvisitour website atwww.commercebank.com/mySpendingcardor call 1-888-373-2883 to activate your Card and select yourPIN. You will need to have your Card with you in order to select your PIN.

If your PIN is not working, please call the Commerce Bank mySpending Card^®Center at 1-888-373-2883 forassistance.

No. Changes to your PIN must be completed by visiting a Commerce Bank branch, logging in to online account access at www.commercebank.com/mySpendingcard or by calling 1-888-373-2883. You will need to have your Card with you in order to change your PIN.

Once you have loaded money to your Commerce Bank mySpending Card^®, it can be used anywhere Visa^®debit cards are accepted worldwide. You may also obtain cash from ATMs displaying the Visa^®or Plus^®logos by using your Personal Identification Number (PIN). Fees may apply.¹Your Card can also be used formaking purchases over the phone or on the internet.

Upon approval, your Card should arrive within 7-10 business days via US mail or you can get a Cardinstantly²at a participating Commerce Bank branch.

Secondary cardholders can receive their card as soon as the nextbusinessday at 2 P.M. in the branch. ForMailedcards it takes approximately 7-10 businessdays to receive a card, however you may opt forExpeditedshipping.

If you purchase an instant issue Card at a Commerce Bank branch, your Card will be active at the time ofpurchase. If you purchase a Card online or request a mail order Card, you may activate your Card over thephone by calling 1-888-373-2883 or via the web atwww.commercebank.com/mySpendingcard. During theactivation process, you will need to choose a PIN and you will be asked to provide information that verifiesyour identity.

Visita Commerce Bank branch, login to online account accessatwww.commercebank.com/mySpendingcardor call 1-888-373-2883 to reset your PIN. You will need to have your Card with you in order to reset yourPIN.

• Sign up for Direct Deposit with your employer and have a portion or all of your paycheck loaded to your mySpending Card^®.
• Visit the mySpending Card^® site, www.commercebank.com/mySpendingcard,and follow the steps for loading funds using a Commerce Bank debit or credit card.
• Visit a teller at any Commerce Bank branch to load cash or funds from a federal, state or local government-issued check or an employer payroll check drawn on Commerce Bank. (Note: Checks will be cashed in accordance with Commerce Bank’s normal check cashing policy.)
• Use Commerce Bank’s Online Banking, or visit a teller at any Commerce Bank branch, to transfer money from your Commerce Bank checking or savings account to your Card.
• Use the Ingo Money app³ to load approved checks using your mobile device. Download the free app on Google Play™ or from the Apple^® App Store^SM.

Yes. The maximum load amount is $1,500 per day, up to $3,000 per 7-day period, unless funds are loaded by direct deposit or other ACH transaction. The maximum balance is $3,000, unless funds are loaded by direct deposit or other ACH transaction. To learn more about the current limits, please refer to the Cardholder Agreement ^[PDF]. (Note: Commerce Bank reserves the right to restrict the total amount loaded to your Card and to monitor and report any suspicious activity.)

No, we are unable to customize the limits on the mySpending Card^®

Your money is available immediately after the transfer of funds to the Card occurs.

Yes. If you plan on traveling internationally, please contact the Commerce Bank mySpending Card^®Centerat 1-888-373-2883 to inquire about using your Card abroad.

Attempts to make purchases that will exceed the balance on your Card will be declined. If you know the amount remaining on your Card, you may ask the cashier to perform a split-tender transaction and pay for your merchandise using your Card and another form of payment. Some merchants do not allow split-tender transactions and some merchants will only allow split-tender transactions if you pay the remaining amount in cash.

A spending limit has been placed on your Commerce Bank mySpending Card^®account for your protection. Ifyour Card is lost or stolen, the amount someone can spend with your Card is limited

Yes, you can use your Card number to pay a bill if the payee accepts Visa as a form of payment.

No, we are unable to customize the limits on the mySpending Card^®

As with any other debit card, when returning the merchandise, present your Card to the cashier for thecredit to be reapplied to your Card. The credit may take 5 business days or longer to become available onyour Card.

Yes. You may make purchases up to $3,000 per day, and up to $10,000 per month, not to exceed thebalance available on your Card.

Yes. Before making an Internet purchase, please make sure the address on your Commerce BankmySpending Card^®account is correct.

These are some types of transactions to be aware of:

Gas Stations– If you use your Card at an automated fuel dispenser (i.e., pay at the pump) it may resultin a hold on yourfunds of $75.00 or more. To avoid this hold, you may go into the gas station and pay foryour purchase in advance with the cashier and specify the exact dollar amount of gas you would like topurchase.

Restaurants and Other Merchants– Restaurants, hair salons and some other types of merchants mayobtain an authorization on the Card for an amount greater than the total service bill to cover any gratuitythat may be added. Be sure that the balance on the Card is sufficient to cover the cost of the bill plus anyanticipated gratuity. If the Card is declined, ask the merchant to obtain an authorization for an amountequal to or less than the balance on your Card and pay the difference with another form of payment ifallowed by the merchant.

Hotels– Hotels may put a hold on your Card in the amount of your estimated bill, which will make thatamount unavailable for other purchases. The hold may last from the time you check in to a few days afteryou check out.

Auto Rentals– Auto rental establishments may require you to reserve your car with a credit card. Theymay allow you to use your Card for the final payment. Please check with the establishment for theirspecific procedures.

Cancellation of Authorizations– You must cancel authorizations issued for Card transactions whenyou subsequently use another form of payment for the transaction such as a credit card or cash. Failure tohave the authorization canceled may result in a hold on funds on the Card and limit your futuretransactions. If you cancel any guaranteed reservation made using the Card, you must obtain acancellation number. If you fail to do so, the hold placed for the guaranteed reservation will not becanceled and the amount will be held against the balance on the Card. This may limit your futuretransactions. Further, if the merchant subsequently charges the amount of the guaranteed reservation toyour Card, we will not be obligated to re-credit the Card if you fail to obtain a cancellation number.

International Transactions– Commerce Bank and Visa reserve the right to charge for InternationalService Assessment fees. Please refer to yourCardholder Agreement ^[PDF]for specific fees.

You may check your balance online at www.commercebank.com/mySpendingcard or by using Commerce Bank Online Banking or Mobile Banking, or by calling 1-888-373-2883. You may also go to any ATM and perform a balance inquiry to obtain your balance. Fees may apply.¹ You can also sign up for text alerts and choose to be notified automatically of your updated balance, transactions or deposits.⁵

You may "opt-in" to receive paper statements either by going online at www.commercebank.com/mySpendingcard or by calling the Commerce Bank mySpending Card^® Center at 1-888-373-2883 and requesting paper statements. Your monthly statements will be mailed to the address on file for your Commerce Bank mySpending Card^® account. Fees may apply.¹

Should your Commerce Bank mySpending Card^® account become negative for any reason, your next deposit will be applied toward the negative balance. Cardholders will be held responsible for any negative balance and any applicable fees.

• You may view your transactions and monthly statement online at www.commercebank.com/mySpendingcard, by calling 1-888-373-2883, or by using Commerce Bank Online Banking or Mobile Banking.
• Text alerts can be sent to your mobile device. You can choose to be notified of your balance on a daily basis, after each transaction, or after a deposit has been made.⁵

Immediately contact the Commerce Bank mySpending Card^® Center at 1-888-373-2883 and follow the instructions for reporting a lost or stolen Card. If you tell us within two (2) Business Days after you learn of the loss or theft of your Card, you can lose no more than $50 if someone used your Card without your permission. A replacement Card can be ordered and mailed to you. Visa’s Zero Liability⁶ policy may further protect you from unauthorized use.

Immediately contact the Commerce Bank mySpending Card^® Center at 1-888-373-2883 or by writing Commerce Bank, PO Box 411036, Kansas City, MO 64141-1036. Visa’s Zero Liability⁶ policy protects you from unauthorized use.

When establishing a username and password if you have already activated your card please select “need username” and please ensure that you are entering your birthdate as VISA requests it. If the problem persists check to see if you are experiencing issues with your browser or see if you have disabled cookies on your browser. For more information or if you are experiencing issues please contact our support line at 888-373-2883.

Please contact the Commerce Bank mySpending Card^® Center at 1-888-373-2883. The customer service representative will make sure you receive a replacement Card in a timely manner.

Available funds on the Card do not expire. However, there is a "good thru" date printed on the front of the Card needed by merchants to process a transaction. Commerce Bank will mail you a new Card before the "good thru" date passes, pursuant to the terms of the Cardholder Agreement. For more information, please see the Cardholder Agreement ^[PDF].

Immediately contact the Commerce Bank mySpending Card^® Center at 1-888-373-2883 or by writing Commerce Bank, PO Box 411036, Kansas City, MO 64141-1036. Visa’s Zero Liability⁶ policy protects you from unauthorized use.