Fee Information

Summary of fees for Commerce Bank mySpending Card®

  • Monthly fee

    $0
  • Per Purchase

    $0
  • ATM withdrawal

    $0 in-network
    $2.50 out-of-network
  • Cash reload

    $0
Type of fee Amount
ATM balance inquiry (in-network or out-of-network) $0 or $2.50
Customer service (automated) $0.50 per call
Inactivity (after 12 months with no transactions) $0
We charge 6 other types of fees. Here are some of them:
Type of fee Amount
International Transaction 2% of each transaction
In-person cash withdrawal (U.S. or non-U.S. institution) $5.00

No overdraft/credit feature.

Your funds are eligible for FDIC insurance.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services inside the package, or call 1-888-373-2883 or visit commercebank.com/mySpendingCard.

Detailed list of all fees for Commerce Bank mySpending Card®

Get started
All fees Amount Details
Initial Load Value Fee $5.95 This charge will be deducted from the first load made to the Card. The description will be displayed as ‘Initial Value Load’.
Additional Card $2.00 Fee for additional Card on same Account (Up to two)
Monthly usage
All fees Amount Details
Monthly fee $0 Fee for monthly maintenance of the Account
Add money
All fees Amount Details
Direct deposit $0
Cash reload $0
Debit card reload $0 Fee associated with Commerce Bank debit card load through commercebank.com/mySpendingCard at time of load
Online Banking transfer $0 Fee associated with transferring funds from a Commerce Bank Checking or Savings account
Get Cash
All fees Amount Details
ATM withdrawal (in-network) $0 "In-network" refers to the Commerce Bank ATM Network. Locations can be found at commercebank.com/locations
ATM withdrawal (out-of-network) $2.50 This is our fee. "Out-of-network" refers to all the ATMs outside of the Commerce Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
In-Person cash withdrawal $5.00 This is our fee for a teller-assisted cash withdrawal at U.S. and non-U.S. financial institutions. Other financial institution may also charge you a fee for in-person cash withdrawals made at their locations. Finally, you may be charged a fee by other third parties for cash withdrawals made at the point of sale (cash back).
Information
All fees Amount Details
Customer service (automated) $0.50 Per call. Fee may be charged each time you contact our automated customer service line, including for balance inquiries or loading funds. One call per week per Account at no charge; $0.50 per call thereafter.
ATM balance inquiry (in-network) $0 “In-network” refers to Commerce Bank ATM Network. Locations can be found at commercebank.com.
ATM balance inquiry (out-of-network) $2.50 This is our fee. "Out-of-network" refers to all the ATMs outside of the Commerce Bank ATM Network. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Text alert $0.15 You may elect to receive mobile text alert messages, including your Card balance, signing into your online account at commercebank.com/mySpendingCard and designating your preferences. Standard text rates and/or web access charges may apply. See your wireless phone carrier for details. First 100 text alerts per month per Account at no charge; $0.15 per text thereafter.
Using your Card outside the U.S.
All fees Amount Details
International transaction 2% Of the U.S. dollar amount of each transaction.
International ATM withdrawal $2.50 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry $2.50 This is our fee. You may also be charged a fee by the ATM operator.
International teller cash withdrawal $5.00 Fee for teller cash transaction from a non-U.S. financial institution.
Other
All fees Amount Details
Inactivity $0 Fee charged each month after you have not completed a purchase or withdrawal with your card for 12 months.
Paper statement $3 Fee for statement that is sent via USPS.
Statement copy request $2 Fee for a request to a CSR to Print/Mail a copy of the customer statement.
Card replacement $5.00 Per Card. In the event your Card is lost, stolen or damaged, you may request a replacement Card twice per year per Account at no cost. You will be charged $5.00 per Card for subsequent replacement Cards within a calendar year.
Express delivery $25.00 You will be charged $25.00 in the event that you request express delivery of a Card.
Unload and close $15.00 In the event that you request funds be unloaded and your Card closed, we will provide you with a check in the amount of the remaining balance, less any fees owed.

Your funds are eligible for FDIC insurance. Commerce Bank is an FDIC-insured institution and as such your funds are insured up to $250,000 by the FDIC in the event Commerce Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

Contact Commerce Bank by calling 1-888-373-2883, by writing to Commerce Bank, P.O. Box 411036, Kansas City, MO 64141-1036 or by visiting commercebank.com/mySpendingCard.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.