How to Access Commerce Bank MySpending Card Login Online

Commerce Bank MySpending Card Login

MySpendingCard by Commerce Bank Overview

With over 150 years of service, Commerce Bancshares Inc, or simply Commerce Bank, has gained popularity as a prolific bank that offers a wide range of banking services such as business and personal banking, mortgages, loans, savings and checking accounts, credit cards, investment options, and more all under a single roof. The bank is known for its strong relationship with customers, built on trust and community bonding within the local area.

Commerce Bank MySpending Card Login

Commerce Bank and its saga

With over 184 branches and ongoing expansion, Commerce Bank boasts an extensive banking network that spans across several states, from Illinois to Colorado. The bank caters effectively to the needs of local communities, business organizations, and individuals by providing a consistent level of service, including 24/7 customer support, access to local branches, online banking, and ATMs.

Introducing MySpendingCard

MySpendingCard is a notable and pioneering service offered by Commerce Bank in collaboration with Visa, a prominent issuer of prepaid gift cards. This prepaid Visa card stands out among its counterparts due to its unique features. Unlike other prepaid Visa cards, MySpendingCard offers innovative features such as digital wallet support, easy application process, and reloadable option.

This exceptional combination of features is not commonly found in prepaid Visa cards. If you are a valued customer of Commerce Bank, you can easily acquire a MySpendingCard. The reloadable feature of this card allows you to use it at any retail, online or offline location where Visa is accepted. This feature also enables you to plan your budget effectively and manage your expenses judiciously.

MySpendingCard Application Requirements

In order to use your MySpendingCard for both online and offline transactions, you must opt for online activation, provided that you already have the card. If you are new to MySpendingCard, make sure to review the eligibility criteria before applying.

Commerce Bank MySpending Card Login

  • Be of legal age as an adult, which is 18 years or older.
  • Be a verified citizen of the United States.
  • Have an active account with Commerce Bank. If the applicant does not currently have an account with Commerce Bank, they must visit the nearest branch to open an account before applying for MySpendingCard.

Online Application for MySpendingCard Account

Let’s put the eligibility requirements aside and focus on the simple steps to apply for a MySpendingCard from the Commerce Bank online portal:

  • To apply for a spending card on Commerce Bank’s website, go to in your browser.
  • Look for the “Get a Card>>” link under “Purchase a card online” and click on it.
  • A pop-up message will appear; read it and click “Continue.”
  • Enter your personal information, including your full name, suffix, contact type, contact number, date of birth (in mm-dd-yyyy format), and registered email address.
  • Then, provide your address, including full address, city, state/province, and postal code. Select “Social Security Number” as your government ID and enter the number correctly.
  • Re-enter your SSN and add initial funds to the card (ranging from $10.00 to $1,500.00).
  • Click “Continue,” follow the instructions to load the funds onto the card, and create a PIN and password to confirm the card’s security.
  • Once you successfully apply, it will take 5-7 days to process your request and deliver the card to the address you provided during the application process.

How to Activate MySpendingCard Account Online shoping

Once you have obtained the physical card, the next step is to activate it online, which offers various advantages. By logging into your MySpendingCard account, you can easily access transaction details, account statements, and remaining funds. Additionally, activating your card online will allow you to shop both online and offline, as well as over the phone.

Commerce Bank MySpending Card Login

Here are the instructions to activate your Commerce Bank MySpending Card Login Account and set up an online account:

  1. Open your browser and navigate to
  2. Click on “Activate My Card” in the top menu bar.
  3. Enter the card number located on the front of your card.
  4. Click “Continue”.
  5. Follow the remaining instructions to complete the setup of your MySpendingCard online account.

To change your username, you’ll need to follow similar steps. Start by visiting, and then click on the “Need Username” link located under the sign-in form.

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How to do Commerce Bank MySpendingCard Login Online

In order to view your Commerce Bank MySpendingCard Login account statement, customize email preferences, check your remaining balance, reload funds, or update personal information, you can follow these steps:

Commerce Bank MySpending Card Login

  1. Open your web browser and go to
  2. Input your Commerce Bank MySpendingCard Login username.
  3. Click on the “Sign In” button.

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Retrieving Commerce Bank MySpendingCard Login Information

If you happen to forget your username, it can be frustrating. Nevertheless, with MySpending, you won’t have to worry about the complications of accessing your account. Follow these steps to retrieve your forgotten username:

  1. Visit using your web browser.
  2. Under the Commerce Bank MySpendingCard Login section, click on the “Forgot Username” link.
  3. Enter the email address registered to your account.
  4. Input the last four digits of your MySpending card number.
  5. Click on “Submit.”
  6. An email containing your username will be sent to you.
  7. Return to the Commerce Bank MySpendingCard Login page and enter your retrieved credentials to access your account.

MySpendingCard’s Key Characteristics

If you’re looking for a flexible and convenient way to manage your expenses, MySpendingCard could be just what you need.

  • As a prepaid Visa card, you can use it anywhere Visa is accepted.
  • Plus, reloading your card is easy – simply use a credit or debit card to top up your balance when you need to.
  • MySpendingCard is also compatible with major digital wallets such as Apple Pay, Samsung Pay, Google Pay, Garmin Pay, and Fitbit Pay, making it even more convenient to use.
  • And if you use your card for grocery shopping, online purchases, bill payments, or fuel between January 1st and April 15th, 2020, you could be in with a chance of winning $12,000 or one of 16 weekly $500 prizes.
  • With advanced security features like Visa Zero Liability, you’ll have peace of mind knowing you’re protected in case your card is lost or stolen.
  • You’ll also receive text alerts for every transaction and usage, and can use contactless technology for tap-and-go payments wherever you see the EMV Contactless symbol.
  • Best of all, there are no transaction or monthly service charges, and you can withdraw cash from any Commerce Bank ATM.
  • Just keep in mind that the minimum loading amount is $10, and the maximum load is $1,500 per day or $3,000 over a rolling seven-day period (unless funds are loaded via direct deposit or similar ACH transactions).
  • The maximum spending limit is $3,000 per day or $10,000 per month, while the cash withdrawal limit is $1,000 per day or $1,500 over a rolling seven-day period.

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