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Commerce Bank mySpending Card

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Introducing the Commerce Bank Chip mySpending Card®

Commerce Bank mySpending Card®

The Commerce Bank mySpending Card® is a general purpose reloadable prepaid Visa® card. It’s the perfect way to budget for holiday shopping, your teenager’s allowance…anything you want, including everyday spending!

  • Easy to load* – add funds online, by direct deposit, at a Commerce Bank branch and more
  • Easy to manage – use online account access and receive balance updates via text alerts**
  • Convenient – use anywhere Visa debit cards are accepted
  • Receive enhanced fraud protection with chip technology
  • Visit  for more information

Applying is easy! Purchase online if you plan to fund with a Commerce debit or credit card, or visit your nearest Commerce Bank Branch.

What you need to know to apply online:

  • A Commerce Bank debit or credit card is required and you must have a Social Security Number to apply online.
  • If you purchase a Card for a non-Commerce customer, he/she will need to visit a Commerce Bank branch and provide 2 forms of ID, one of which must be a driver’s license, state-issued ID with photo, passport or military ID.  
  • Secondary Cardholder may be added after the Primary Cardholder has received and activated their card. Primary Cardholder should log in to online account access and choose “Joint Account”.  To add a Secondary Cardholder at the time of Primary Cardholder purchase, please visit any Commerce Bank branch.
  • Secondary Cardholder must be at least 13 years old
  • If Secondary Cardholder does not have a Commerce checking or savings account, he/she will need to come in to the branch with the following forms of identification


*Load and spend limits may apply.
**First 100 texts per month at no charge, then $0.15 per text. Standard text rates/web access charges from your wireless phone provider may apply; see your wireless phone provider for details.