Commerce Bank MySpending Card Login Guide

Commerce Bankshares Inc, also known as Commerce Bank, is a thriving bank that provides business banking, personal banking, loans, mortgages, checking accounts, savings accounts, credit cards, investments, and many more banking services under one roof. Commerce Bank has been serving its customers for over 150 years with the strong relationships and trust built by local community bonding.

Commerce Bank has a large chain of banking networks with over 184 branches from Illinois to Colorado and still expanding! Commerce Bank effectively caters to needs and efficiently serves individuals with consistent services to local community business organizations, 24/7 hour customer service, availability of local branches, online ATMs, and more.

One of the notable and innovative services, perhaps one of the best features is MySpendingCard. MySpendingCard is issued jointly with Visa by Commerce Bank, a top prepaid gift card issuer. Of all the other prepaid Visa cards, MySpendCard is the tallest with its innovative features. Features like digital wallet support, easy application, and reloadable features are not common for prepaid Visa cards. So if you are a respected customer of Commerce Bank, you will be lucky enough to get a MySpending card very easily.

The best thing about these reloadable prepaid cards is that you can use them at any Visa accepted merchant, retail, offline and online location. Effectively, its reloadable feature helps you facilitate effective budget planning and fair spending.

Additional Read: Capital One Dressbarn Credit Card Account Login Guide

Eligibility to Apply for MySpending Card

  • If you already have a MySpending Card, you need to choose online activation to use it for both offline and online transactions.
  • For those who are new to MySpendingCard, check the eligibility criteria to apply:
  • The applicant must meet the legal age criteria of an adult (18 years or older).
  • Applicants must be declared a valid citizens of the United States.
  • Most importantly, the applicant must have an active account in a Commerce Bank. Anyone who does not have a Commerce Bank account cannot apply for MySpending Card directly and has to go to the nearest Commerce Bank branch to open an account.

Applying for MySpending Card online

Enough with eligibility criteria! Take a look at the short process of applying for a new MySpending card from the Commerce Bank online portal:

  • Open your browser, visit
  • Scroll down and click on Get a Card>> link under Purchase a card online.
  • Read the pop-up message and click the “Continue” tab.
  • Enter the following personal information:
  1. Full name.
  2. Suffix
  3. Contact type.
  4. Contact number.
  5. Date of birth (mm-dd-yyyy).
  6. Registered email address.
  • Next, enter the address:
  1. Full address.
  2. City.
  3. State/Province.
  4. Pincode.
  • Select Social Security Number as Government ID and select that number correctly.
  • Re-enter your SSN.
  • Add an initial fund to your card to confirm the order. Amounts can be funded from a minimum of $10.00 to a maximum of $1,500.00.
  • Click on Continue.
  • Follow the instructions to load funds into the card and confirm the security of the card by creating a PIN and password.

After a successful application, it will take 5 to 7 days to process your request and process the delivery. Delivery will start at the address given by you at the time of application.

Accessing MySpending Card Account

If you ever want to access your online account for account details, to set email preferences, to check balances, to reload balances, to change personal details, you need to:

  • Firstly, open your browser and visit
  • Next, enter your username.
  • Lastly, click on the “Sign In” button.
  • Retrieving Forgotten Username

For example, if you forget your username, it might be annoying. However, with MySpending, you don’t have to worry about access and related technical issues.

To retrieve your username:

  • Open your browser, visit
  • Under the Sign-in section, click the “Forgot Username” link.
  • Enter your registered email address.
  • Enter the last four digits of the MySpending card number.
  • Click on the “Submit” button.

You will be sent an email with a username. Return to the login page and access using the retrieved credentials.

Also Read: How Do I Check My Netspend Balance?

Features of MySpending Card

  • MySpendingCard is a prepaid Visa card. Once the available balance is exhausted, you can reload the card using a credit or debit card.
  • MySpendingCard can be synced and connected with major digital wallets including Apple Pay, Samsung Pay, Google Pay, Garmin Pay, and Fitbit Pay.
  • Advanced security protection features like Visa Zero Liability in case the card is lost or stolen.
  • Regular text instructions for each transaction and use.
  • It can be used anywhere Visa Card is accepted.
  • MySpendingCard supports contactless technology in which you can tap and transact where EMVo will be the contactless symbol.
  • Zero transaction and monthly service charges.
  • ATM transactions and withdrawals from ATMs of each Commerce Bank.
  • The minimum loading amount should be $10 and the maximum loan amount should be $1500 per day and 3000 per rolling over a seven-day period, excluding funds, loaded by direct deposits or similar ACH transactions.
  • The maximum Spending limit should be $3000 per day and $10,000 per month.
  • The cash withdrawal limit is $1000 per day or $1500 per seven days rolling period.

MySpendingCard Customer Support Point

  • For MySpending Card general query, request, and complain (Domestic), dial 888-373-2883.
  • For MySpending Card general query, request, and complain (International), dial 314-514-6299.
  • Time: Mon-Fri 8:00 a.m. – Midnight.
  • Sat 8:00 a.m. – 4:00 p.m.
  • For MySpendingCard Lost/Stolen (Domestic), dial 888-373-2883.
  • For MySpendingCard Lost/Stolen (International), dial 314-514-6299.
  • Time: 24 hours a day

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