Commerce Bank

Financial Services86% confidence

Commerce Bank is a U.S. regional bank that provides personal, small business, and commercial banking services including checking and savings accounts, credit cards, loans, and payment processing.

Kansas City, Missouri, USA
commercebank.com
Owned by Commerce Bancshares, Inc.

About Commerce Bank

Commerce Bank is a regional bank operating primarily in the Midwest, offering a full range of financial products such as checking and savings accounts, credit and debit cards, personal and auto loans, mortgages, and business banking services. The address fragment “811 Main Street, Kansas City, MO” corresponds to one of its key downtown Kansas City branch locations, and “MOUS” is a shorthand indicating Missouri, United States. Commerce Bank is part of Commerce Bancshares, Inc., and also provides digital banking, online bill pay, and merchant services to businesses.

A charge with a descriptor like “QR COMMERCE BAN 811 MAIN STREET KANSAS CITY MOUS” is likely related to a transaction processed at or through a Commerce Bank branch or its payment systems. This could include ATM withdrawals or fees, over-the-counter cash advances, account service fees, loan or credit card payments, or a transaction using a QR-based or electronic payment method routed via Commerce Bank’s merchant services. In some cases, it may reflect a fee or adjustment associated with a Commerce Bank account rather than a retail purchase.

To verify or resolve questions about this charge, log into your Commerce Bank online or mobile banking to review recent transactions and any associated descriptions or images (e.g., check images or ATM details). Compare the date and amount against your receipts, ATM usage, and any recent branch visits. If you still do not recognize the transaction, contact Commerce Bank customer service using the phone number on the back of your Commerce Bank card or from commercebank.com, or visit a local branch (such as the 811 Main Street Kansas City location) for in-person assistance. Their representatives can provide transaction details, investigate possible errors or fraud, and help you dispute unauthorized charges if necessary.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Commerce Bank.

  1. COMMERCBANK CO ENTRY
  2. QR COMMERCE BAN 811 MAIN STREET KANSAS CITY MOUS

Frequently Asked Questions

Why do I see a charge from Commerce Bank at 811 Main Street, Kansas City, MO on my statement?

This descriptor usually indicates a transaction processed by Commerce Bank’s branch or systems at or associated with its 811 Main Street, Kansas City, MO location. It may be an ATM withdrawal or fee, an in-branch transaction, a loan or credit card payment, or another account-related fee assessed by the bank.

Could this Commerce Bank charge be related to an ATM withdrawal or balance inquiry?

Yes. ATM withdrawals, balance inquiries, and out-of-network ATM usage may generate charges that appear with a Commerce Bank descriptor referencing a specific branch or processing location. Check your recent ATM usage and the date and amount of the transaction to confirm.

How can I confirm what this specific Commerce Bank transaction was for?

Log in to Commerce Bank online or mobile banking, navigate to the account where the charge appears, and click on the transaction for more details. You may see additional information such as transaction type (ATM, fee, payment) and time. If it remains unclear, contact Commerce Bank customer service or visit a branch for a detailed breakdown.

What should I do if I don’t recognize a Commerce Bank charge on my account?

First, verify whether any joint account holder or authorized user could have made the transaction. If no one recognizes it, call Commerce Bank immediately using the number on the back of your card or from commercebank.com. They can review the item, place a hold on the card if needed, and start a dispute or fraud investigation.

Can Commerce Bank place temporary authorization holds that look like charges?

Yes. When you use a Commerce Bank debit or credit card, certain merchants (such as gas stations, hotels, or car rentals) may trigger temporary authorization holds that appear as pending transactions. These holds are not final charges and will either settle for the correct amount or drop off, typically within a few days.

How do I dispute a fee or transaction processed by Commerce Bank?

You can dispute a transaction by calling Commerce Bank customer service, sending a secure message through online banking, or visiting a branch. Provide the transaction date, amount, and description (including the “811 Main Street Kansas City MO” reference) and explain why you believe it is incorrect or unauthorized. The bank will guide you through the dispute process and may issue a provisional credit while investigating.

Where can I see fees that Commerce Bank may charge on my account?

Fee schedules and account terms are available on commercebank.com under the personal or business banking sections, and in your account disclosures provided when you opened the account. You can also ask a banker at a branch or request a copy of the current fee schedule from customer service.

Is the ‘QR COMMERCE BAN 811 MAIN STREET’ descriptor related to a specific merchant or to Commerce Bank itself?

In this context, the descriptor most likely refers to Commerce Bank itself and its processing location at or associated with 811 Main Street in Kansas City, MO, rather than to a separate retail merchant. The “QR” portion may refer to an internal payment or QR-based processing code used by the bank or its systems.

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