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Commerce DirectCheck

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Introducing Commerce Bank Chip DirectCheck Cards

The Commerce DirectCheck Card is a reloadable, prepaid card that allows you to easily access your money. Your funds will automatically be deposited to your card. You can then use it to make purchases, access cash, and pay bills.

How to use your Commerce DirectCheck card:

  • Make purchases anywhere Visa® debit is accepted
  • Get cash at any ATM displaying the Visa or Plus® logo worldwide
  • Get cash back on purchases at thousands of merchants accepting PIN-based transactions, including grocery, drug and discount stores
  • Pay your monthly bills like cable, phone, insurance and even your gym membership using your card number.

Benefits of the Commerce DirectCheck Card:


  • Access account information online or by calling 1-866-620-1367 24-hours a day, 7 days a week
  • Receive a monthly statement outlining all transactions, deposits or withdrawals made over the previous month


  • Avoid carrying around large amounts of cash
  • Every time you use your chip card at a chip terminal, the embedded chip generates a unique transaction code.
  • If your card is ever lost or stolen, Visa’s Zero Liability Policy* protects you against unauthorized charges

*  Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized activity.