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Frequently Asked Questions

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Purchaser Questions:

Recipient Questions:

Bulk Order Questions


Questions frequently asked by the purchaser:

What is the Commerce Visa Gift Card?

The Commerce Visa Gift Card is not a credit card. The Card is accepted everywhere Visa debit cards are accepted within the United States. You may not use your Card to obtain cash from an ATM, redeem it for cash or obtain “cash back” from a Merchant purchase or at a Branch, nor may you re-sell the Card.


Where can I purchase a Commerce Visa Gift Card?

You may purchase a card in person at any Commerce Bank branch location in Missouri, Kansas, Illinois, Oklahoma and Colorado. Commerce Bank customers may purchase Commerce Visa Gift Cards online at www.commercebank.com/giftcards. Limitations may apply. Commerce Bank Corporate customers may purchase Bulk orders (25+ cards) by using our Bulk Order Form on our website, www.commercebank.com/giftcards.


What dollar amounts can I put on a Commerce Visa Gift Card?

Cards may be loaded in whole dollar amount from $25 to $1000 per card, for in-branch and online sales. Non-Commerce Bank customers are limited to in-branch sales only with a total purchase amount of $500. Limitations may apply.


Will I be charged a fee for purchasing a Commerce Visa Gift Card?

Yes. The fee is $4.99 per card for a Commerce Visa Gift Card purchased in our branch and via the the online ordering site (Shipping fees will apply).  Fees for a card purchased using our bulk order form (reserved for commercial customers) are $2.99 per card (shipping fees will apply).


What fees apply to the Commerce Visa Gift card?

In addition to the per card purchase fee, you will be charged the following fees, when applicable. These fees apply to all gift cards purchased in our branches, online, or through our bulk program effective 8/11/2010.

  • Inactivity Fee: $5.00 per month
    (Assessed each month after 12 consecutive months of inactivity, after the Card Activation Date or anytime thereafter)
  • Lost/Stolen Card Reissue Fee: $7.50 per occurrence
  • Lost/Stolen Card Cash-Out Fee: $15.00
  • Standard Delivery (Online, 5-7 days)
    • $3.00 per card
  • Standard Delivery (Bulk, 5-7 days)
    • $19.99 per order (limitations may apply
  • Express Delivery (Online/Bulk orders)
    • Online: $19.99 per card
    • Bulk Orders - $35.00 per order (limitations may apply)

How long can the Commerce Visa Gift Card be used?

Your Commerce Visa Gift Card will expire the last day of the month that is embossed on your card, which shall be no earlier than 5 years from the date of purchase. You may use your card to make purchases until the entire value of your card has been used or you’ve reached a zero balance due to Fee assessment. If you are a recipient of the Card, be sure and check the expiration date because you might have less than 5 years to use depending on when it was given to you.


Can I add more money to my Commerce Visa Gift Card?

No. The Commerce Visa Gift Card is not reloadable.


I am trying to purchase a Commerce Visa Gift Card online. The system has denied my attempt to purchase. Why?

To purchase a gift card online, we only accept Commerce Bank Visa Check Cards or Commerce Bank Credit Cards and you must live within our footprint. If you have met these two criteria and you are being denied, please call the number on the back of your Commerce Bank Visa Check Card or Commerce Bank Credit Card.


How long will it take for me to receive the Commerce Visa Gift Card that I purchase online?

If you choose standard delivery, you should receive your card in 5-7 business days and incur a shipping fee of $3.00 per card. If you choose express delivery, you should receive your card in 2-4 business days with an additional cost of $19.99 per card. Bulk customers or customers ordering more than 25 cards should contact the Commerce Visa Gift Card Team at giftcard@commercebank.com.


When I purchase a Commerce Visa Gift Card online, can I send the card to the recipient?

Yes. You can purchase a card up to $200 and have that card sent to your recipient. We cannot ship to PO boxes, foreign addresses, or addresses outside our footprint. (Any card purchased with a value over $200 must be sent to the purchaser.)


What if my Commerce Visa Gift Card does not arrive?

If the Commerce Visa Gift Card does not arrive, please call 1-866-271-7780 and report the card lost or stolen.


Questions frequently asked by the recipient:

How do I activate my card?

Activation of your card depends on the purchase method. If purchased in our branch and the first 8-digits of your card are: 4332-9100; your card will be activated the first business day after it was purchased. If purchased through a Corporate Bulk order and the first 8-digits of your card are: 4332-9101; if your card was given to you, the purchaser will provide you with an activation code. If purchased online via our website and the first 8-digits of your card are: 4332-3500; your card should have your name embossed on it. You will activate your card using a combination of your phone number and zip code.


How can I check the balance on my Commerce Visa Gift Card?

To check the balance of your Commerce Visa Gift Card, log on to http://www.commercebank.com/personal/cards/gift/www.commercebank.com/checkmygiftcard or call the toll-free number 1-866-271-7780.


Why should I register my Commerce Visa Gift Card?

Registering your card has several benefits: It enables you to make purchases online. Most online retailers do not accept payments without a valid “billing” address. Your registered address will serve as the “billing” address that retailers require. It enables Customer Service Representatives to more quickly assist you when you call. It protects you from fraudulent activity.  It protects you if your card is ever lost or stolen, so that you can be reimbursed for lost funds.


What should I do if my Commerce Visa Gift Card is lost or stolen?

Report a lost or stolen card immediately by calling Customer Service at 1-866-271-7780. You will need to have the card number and other identifying information in order to cancel the card and have a replacement card issued. A card replacement fee will apply if you are replacing a card that is lost/stolen. Refer to the fee section below.


What Terms and Conditions apply to the card?

By purchase, use and/or receipt of the Gift Card, you agree to the Terms and Conditions [PDF], including all Fees, provided at the time of purchase. Terms and Conditions may also be found by visiting www.commercebank.com/giftcards.


How will I know the original amount of my Commerce Visa Gift Card?

You can check your balance and transaction history online at: www.commercebank.com/checkmygiftcard or by calling the toll-free number on the back of your card, 1-866-271-7780.


What happens if I spend all of the money on my Commerce Visa Gift Card?

Once you have spent the funds on your Commerce Visa Gift Card, your card will be closed and you may discard. You may keep it in case you need to return an item you have purchased using the card, which will reopen your card if it has not expired.


Can I make purchases for more than the amount remaining on my Commerce Visa Gift Card?

To make a purchase greater than the balance on your card, you will need to use a second payment method, such as cash, check, or credit/debit card, for the difference. Tell the cashier how much to deduct from the card and how much you will pay with the second payment method.


Where can I use my Commerce Visa Gift Card?

Your Commerce Visa Gift Card can be used anywhere Visa debit cards are accepted. Your Gift Card can only be used within the Unites States for retail, online and telephone purchases.


Can I use my Commerce Visa Gift Card online?

Yes. You can use your Commerce Visa Gift Card to make purchases online. You must register your card before purchasing online. Some retailers will not process your purchase without a valid address registered to the card. You can register your card online at www.commercebank.com/checkmygiftcard or by calling 1-866-271-7780.


Can I use my Commerce Visa Gift Card at gas stations?

Yes. If you use your Gift Card for gasoline purchases, you must pay with the card at the cashier station. The card cannot be used for “Pay at the Pump” transactions.


Can I use my Commerce Visa Gift Card at restaurants and hotels?

Yes. You should be aware that many restaurants, hotels, car rentals and other merchants might factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the amount on the Gift Card, it may be declined.


Can I add a PIN to my Visa Gift Card?

Yes.  When you register your card online or over the phone, you may self-select a 4-digit PIN number.  You may use your PIN for Point-of-Sale transactions.


Can I use my Commerce Visa Gift Card at an ATM?

No. Your Commerce Visa Gift Card can only be used for retail, online, and telephone purchases.


Can I use my Commerce Visa Gift Card to get cash or cash back at a bank or checkout lane?

No. Your Commerce Visa Gift Card does not have any “cash back” features.


Can I add more money onto my Commerce Visa Gift Card?

No, the Commerce Visa Gift Card does not have a reloadable feature.


How long can the Commerce Visa Gift Card be used?

Your Commerce Visa Gift Card will expire the last day of the month that is embossed on your card, which shall be no earlier than 5 years from the date of purchase. You may use your card to make purchases until the entire value of your card has been used or you’ve reached a zero balance due to Fee assessment. If you are a recipient of the Card, be sure and check the expiration date because you might have less than 5 years to use depending on when it was given to you.


What do I do if I have moved since I registered my Commerce Visa Gift Card?

You can change your address or telephone number online at www.commercebank.com/checkmygiftcard or by calling a Customer Service Representative at 1-866-271-7780.


What fees apply to the Commerce Visa Gift card?

In addition to the per card purchase fee, you will be charged the following fees, when applicable. These fees apply to all gift cards purchased in our branches, online, or through our bulk program effective 8/11/2010.

  • Inactivity Fee: $5.00 per month
    (Assessed each month after 12 consecutive months of inactivity, after the Card Activation Date or anytime thereafter)
  • Lost/Stolen Card Reissue Fee: $7.50 per occurrence
  • Lost/Stolen Card Cash-Out Fee: $15.00
  • Standard Delivery (Online, 5-7 days)
    • $3.00 per card
  • Standard Delivery (Bulk, 5-7 days)
    • $19.99 per order (limitations may apply)

What is the Inactivity Fee?

Your card will be considered inactive if there is no activity on the Card (purchases or credit returns) for twelve (12) consecutive months after the Card Activation Date or anytime thereafter. An Inactivity Fee will be assessed each month after twelve (12) consecutive months of inactivity. We will continue to charge an Inactivity Fee until you resume use or your Card reaches a zero balance or the funds expire. If you resume use of your Card, we will cease charging the Inactivity Fee the following month.



Questions frequently asked for Bulk Orders:

Is there a special ordering process for Bulk Orders?

Bulk orders can be placed using our Bulk Order Form. Commercial customers may purchase a variable number of cards with variable dollar amounts. This process is for orders of 25 cards or more. Visit our Bulk Gift Card link for more information and to access the order form.


What dollar amounts can I put on a Commerce Visa Gift Card?

Bulk orders may be purchased in any whole dollar amount from $25 to $1,000 per card.


Why shouldn’t I just purchase multiple cards from the Commerce Bank Branch down the street?

Branches may have a limited supply of cards and may not be able to fulfill larger orders.  We recommend using our Bulk Gift Card Order Form . If you require more than 25 cards and have 4-7 days before you need to deliver the cards to your employees, this is the method we prefer you to use. The cards will be delivered to the address you specify within 4-7 days and will arrive deactivated, which secures them from loss or theft.


What payment method can I use to buy cards in bulk?

You may provide us with your Commerce Bank checking account number, a Commerce Bank Visa / MasterCard Check Card, a Commerce Bank Visa / MasterCard Credit Card, or a Commerce Bank Corporate Card or Purchasing Card. If you have questions please contact the gift card team at giftcard@commercebank.com.


What is the fee per card when ordering in bulk?

The fee per card is  $2.99


What can I expect after I place my bulk order using the bulk order Form?

You will receive an e-mail notice from us to let you know your order has been received. A member of the Commerce Visa Gift Card Team will then send you an e-mail letting you know we have placed your order and it will arrive to you via Federal Express. Also included in the email will be the activation code for you to provide to your recipients when you distribute the cards. In the actual delivery a spreadsheet will be included that will list the card numbers in your order and the value loaded to that particular card. The cards will come attached to the card carrier with a special envelope that will allow you to write the name of the recipient and the value of the card.


What is the activation code?

The activation code is a 5-digit code that the card recipient receives from the card purchaser in order to activate the card. 


What is the difference between the Activation Code and the PIN?

The activation code is a 5 digit code required to activate the card before making purchases.  The card recipient may choose to apply a PIN (4-digit self-selected code) to their card after the card has been registered.  The PIN will allow the card recipient to make Point-of-Sale transactions. 


Why is the Activation Code important?

When you order your cards using the Bulk Gift Card Order Form, the cards will be shipped in a deactivated state. When you give the cards to your recipients, be sure to give them the activation code we provide in the e-mail. Your recipient’s can visit our website, www.commercebank.com/checkmygiftcard. , or call 1-866-271-7780 to activate and register their card. Once activated, the card will be ready for use.


Can I order a large quantity of Gift Cards and distribute over a long period of time?

Yes, however you may limit the amount of time your recipient has to use their card before it expires.   Commerce Bank recommends that you order the cards as needed. If you choose to hold onto a card, please do not activate the card.


What if I have additional questions about my order? Who can I contact?

Feel free to contact the Commerce Visa Gift Card Team at giftcards@commercebank.com or at 1-866-946-3017. Please be sure to provide a contact name, phone number and e-mail.


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