Terms & Conditions


Commerce Referring Customers.


Commerce Bank customers (other than CommercePremier members) making a referral ("Referrer") will receive a $100 Visa® Reward Card for each eligible individual referred to Commerce Bank (“Referred Person”) who registers for the offer, opens a new personal checking account, personal loan or vehicle loan, and completes the other requirements within the time specified in the offer. Commerce Bank customers (other than CommercePremier members) may receive up to a maximum of $1,000 in Visa® Reward Cards within a calendar year for participating in the Refer a Friend Program (“Program”).


CommercePremier members making a referral ("Referrer") will receive a $250 Visa® Reward Card for each eligible individual referred to Commerce Bank (“Referred Person”) who registers for the offer, opens a new personal checking account, personal loan or vehicle loan, and completes the other requirements within the time specified in the offer. CommercePremier members may receive up to a maximum of $1,000 in Visa® Reward Cards within a calendar year for participating in the Program.


To make a referral, the Referrer must 1) register for the Program with ReferLive; and 2) share the offer with their friends, family or co- workers by text, email or social media through the official means of the Program.


Referred Persons:


To receive a Visa® Reward Card, the Referred Person must 1) receive the referral through the official means of the program; 2) register with ReferLive by following the link provided in the referral text, email or on social media; 3) open a new Commerce Bank personal checking account, personal loan or vehicle loan within 180 days of receiving the referral; and 4) meet the additional requirements of one or more of the offers below.


Offers


Account Type

Additional Requirements (must be fulfilled by Referred Person)

Referred Person

 

 

Visa® Reward Card

 

Offer 1:

$200

 

Complete the following requirements within 60 days of checking account

 

 

opening:

 

 

•Have at least one (1) $300 or more direct deposit (such as recurring

 

 

payroll or government benefit deposit) post to the new account. Person to

 

 

Person payments (such as Zelle®) are not considered a direct deposit AND

 

 

•Sign up for Online Banking AND

 

 

•Enroll in free paperless statements

 

Personal Checking Account

Offer 2:

$250

Complete the following requirements within 120 days of account

 

 

 

 

opening:

 

 

•Maintain an average daily balance of $100,000 in combined eligible

 

 

accounts with new money (defined as funds not currently held

 

 

at Commerce Bank) for 90 consecutive days within the first 120 days

 

 

of account opening. Eligible accounts include new personal checking,

 

 

savings, certificates of deposit (CDs), and money market accounts.

 

 

Balances must be held exclusively in Commerce Bank personal deposit

 

 

accounts; funds in business and brokerage accounts do not qualify.

 

 

 

 

Personal Loan

Offer 3:

$200

 

•Minimum loan amount of $7,000

 

Vehicle Loan (new and used

Offer 4:

$200

automobile, motorcycle,

•Minimum loan amount of $15,000

 

marine and recreational

 

 

vehicle loans)

 

 


Maximum Rewards. A Referrer can receive up to $1,000 in Visa® The Referred Person can receive one reward per offer/ account type, up to $850, after fulfilling all offer requirements. The Referred Person may also become a Referrer and qualify for additional Visa® Reward Cards per person, per calendar year.


Eligibility and Exclusions. Must be at least 18 years of age to be eligible for reward. Only one Referrer may receive a Visa® Reward Card for each Referred Person who fulfills the offer requirements. The first Referrer that enters information for a Referred Person will be the eligible Referrer. A Referrer can receive only one reward per individual referred. Offers are valid only if the Referred Person has not held a personal checking account (for the checking bonus) or loan (for the loan bonus) with Commerce Bank within the preceding 24 months. The Referred person is only eligible for one reward per offer. Loans are subject to credit approval. Referred Persons that become joint account holders and co-borrowers are eligible for rewards, if they meet all other requirements, but beneficiaries and co-signers are not eligible. The Referred Person is eligible to become a Referrer and qualify for referral rewards. The Referrer and Referred Person cannot be the same person, joint account holder, or co-borrower on a loan. All account specific qualifications must be met in order to qualify for rewards. These offers cannot be combined with other offers. The Program may be discontinued or changed at any time without notice. Reward is based on the date when the account is opened.


Email Communication. The Referrer authorizes the sending of email communications to each Referred Person. The email may not be recovered if the person has unsubscribed from marketing emails from Commerce Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they unsubscribe by making an election at ReferLive or within such email.


Visa® Reward Card. The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. The Visa® Reward Card can be used everywhere Visa debit cards are accepted within the U.S. only. Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses provided within the ReferLive registration system and are only valid for three (3) months after issuance.

Please allow 4-6 weeks after completion of all requirements for delivery of your Visa® Reward Card to the physical address provided. Reward Card will be reported as interest to the IRS.


Status of Incentive. By participating in the Program, each party waives all rights of privacy and confidentiality relating to their status as a Commerce Bank customer, and releases Commerce Bank and its employees from all liability in this respect. The Referred Person and Referred Business authorize Commerce Bank to disclose their program status to the Referrer at CommerceBank.com/refer (i.e., what requirements have been met, if any).

Commerce Bank may refuse payment to a Referring Customer or Referred Person under the Program if it has a good faith belief that the individual has provide false, misleading, or deceptive information while participating in the Program or establishing corresponding accounts.


Commerce Bank. Member FDIC. Effective [Month ##], 2025