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Online Banking

With Commercial Bank's Internet Banking, you have the convenience of doing your banking right from home or anywhere you have Internet access 24 hours a day, 7 days a week.


 Take advantage of these services:
  • Transfer funds between your accounts
  • Check account balances
  • View and print images of your checks
  • View account statements
  • Check loan balances and payment history
  • Make loan payments from your Commercial Bank checking or savings account
  • Reorder Checks (with no changes)
  • Place a stop payment on a check
Commercial Bank Mobile Banking by Commercial Bank allows you to bank on the go. It’s free to download and offers quick access for managing your bank accounts. Check your balances, pay bills, transfer money, make deposits and locate ATMs and branches with just a touch. Our app is fast, secure and free. Use your current login information to start banking today.*


  • Check account balances
  • Transfer funds between accounts
  • Pay bills
  • Find our ATMs and branches using the GPS system provided by your device.**
  • Mobile Deposits***
*Must be an Online Banking Customer
**This is limited to locating our branches and ATMs. Please refer to your carrier for any fees that may apply.
***Mobile Deposits require enrollment for the app.
Download our free app!
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Q: Do I have to apply for Online Banking?
A: Yes, there is an application available online that can be filled out online or you can stop by one of our locations and fill out an application.

Q: Can I have Online Banking for my Business?
A: Yes, you will need to come in to one of our locations to pick up a business application. The application that is available online is for personal accounts only.

Q: Is there a fee to sign up for Online Banking?
A: No, it is a free service to all Commercial Bank customers.

Q: Are there charges associated with Online Banking?
A: There are no fees associated with using Online Banking. However usual charges will be assessed for special services such as stop payments, excessive withdrawals from regulated accounts, etc. Consult the fee schedule for a complete list of charges for such services.

Q: What accounts can I view online?
A: You may view any account of which you are an owner or authorized signer.

Q: Will I be able to get a copy of my statement?
A: Yes, once you have signed up for Online Banking and your statement cycles it will be available for you to view and print on line. Any statements that have cycled prior to signing up for Online Banking will not be available to you online. You will need to contact the Bank for a copy of those statements.

Q: Can I get a copy of a check?
A: Yes, simply double click on the check number or click on "view image"

Q: Can I make loan payments?
A: Yes, by making a transfer to the loan from an account at Commercial Bank.

Q: What do I need to access Online Banking?
A: You will need a web browser that supports 128-bit encryption. To test your browser, simply click on Test Browser.

Q: What do I do if I don't have 128 bit encryption?
A: After testing your browser the option to upgrade will be displayed. Simply click on the option and follow the instructions for free downloads to upgrade your type of software to 128 bit encryption.

Q: How do I get a User ID and Password?
A: The bank will issue you a User ID and Password. It will be mailed to you the next business day after receipt of your application.

Q: What if I used the wrong Password or User ID?
A: If you have attempted to sign on 3 times with the wrong Password or User ID you are automatically locked out. You will need to call the Bank at 620-421-1000 to have your Password reset.

Q: Can I have the same User ID as my spouse?
A: No, each customer is issued their own User ID and Password.

Q: Can I change my Password?
A: Yes, you can change your Password as often as you would like. You are required to change your Password every 180 days by the system for security reasons.

Q: How long before I can reuse a Password?
A: You can not reuse the same Password for 4 changes or if you change your Password every 180 days it would be 24 months

Q: How do I change the order my accounts appear Online?
A: Click on Options then click on Account. At the bottom of the page by 'Account Display Order' choose an account and use up or down arrows to change the order.
Commercial Bank will never send an email message requesting confidential information such as account numbers, PIN Numbers or Passwords. If you should ever receive such a request, contact Commercial Bank at (620) 421-1000 immediately.
With the proper safety measures in place, your Commercial Bank Internet Banking transactions remain confidential and safe. The following measures have been taken to ensure your privacy:

Secure access and verifying user authenticity:

Unique ID and Password
In order to access Commercial Bank Internet Banking, you must enter a unique User ID and Password

Account “Pseudo” names

Commercial Bank does not display your account numbers over the Internet. Instead, we allow you to choose a “pseudo name” for each of your accounts. For example: Home Checking, Judy’s Savings, etc.

Automatic Log Off

If you are logged on to Commercial Bank Internet Banking and do not use it for 10 minutes the system will automatically log you off.

Password Lockout System

To keep unauthorized individuals from accessing your account by guessing your Password, we have instituted a Password lockout system. If your Password is entered incorrectly three consecutive times, the user is “locked out” of the system.

Secure Data Transfer

The latest encryption technology helps ensure that another party cannot access your confidential account information. Encryption is a way to rewrite something in code, which can be decoded later with the right “key”. When you request information about your accounts, the information is sent across the web in an encrypted format to our processor. It then decodes your request and sends the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you and no one else can read it.

Router and Firewall

In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

How you can protect your Internet Security

While Commercial Bank works to protect your banking privacy you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Commercial Bank Internet Banking account information is protected including:

  • Keep your Password private.
  • Change your Password frequently.
  • Remain at your computer until your transactions are completed
  • and you log out.
  • Log out of Commercial Bank Internet Banking prior to visiting other Internet sites.
  • If you notice suspicious or unusual activity on your Commercial Bank accounts, call (620)421-1000 immediately.
  • Do not change your “pseudo name” for your accounts to your account numbers.
Jump Start your application process now! 

Your time is valuable! This "Jump Start" application is intended to expedite the account opening process.
For most accounts and services, submission of this online application will not replace the necessity for you to personally visit one of our convenient locations to complete the process. This will likely include:

  • Obtaining any additional information needed
  • Obtaining your signature on necessary account agreements/documents
  • Verification of identification
  • Receipt of appropriate regulatory disclosures, etc.

After submitting this online application you will either:

  1. receive a starter kit in the mail if you applied for online banking, or
  2. be contacted by a representative from the bank via e-mail or phone within two business days to schedule an appointment for completion of the process if you applied for a deposit account or loan. Should you have any questions, do not hesitate to contact us.
This agreement is a contract which establishes the rules covering electronic access to your accounts at Commercial Bank (“Bank”) through Internet Banking. By using Internet Banking, you accept all the terms and conditions of this Agreement. Please read it carefully.

Internet Banking Access Agreement and Electronic Fund Transfer Act Disclosure


The terms and conditions of the deposit agreements and disclosures for each of your Commercial Bank accounts as well as your other agreements with the Commercial Bank such as loans continue to apply notwithstanding anything to the contrary in this Agreement.
This Agreement is also subject to applicable federal laws and the laws of the State of Kansas (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Commercial Bank’s successors and assigns. Certain obligations of the parties pursuant to this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement together with the application constitutes the entire agreement between you and Commercial Bank with respect to the subject matter hereof and there are no understandings relative hereto which are not fully expressed herein.


As used in this Agreement, the words “we”, “us” and “our” refer to Commercial Bank. “You” and “your” refer to the accountholder authorized by Commercial Bank to use Internet Banking under this Agreement or anyone authorized by that accountholder to exercise control over the accountholder’s funds through Internet Banking. “Account” or “Accounts” means your accounts at Commercial Bank. “Electronic funds transfers” means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Commercial Bank accounts using Internet Banking. “Internet Banking Services” means the services provided pursuant to this Agreement. “Business days” means Monday through Friday. Holidays are not included.


To use Internet Banking, you must have at least one account at Commercial Bank, access to Internet service and the appropriate hardware/software systems. Once we have received your signed Enrollment Form and verified your account information, we will send you, by postal mail, your assigned log-in ID. We will subsequently send you, by postal mail, a temporary password the next business day after receipt of your application. Internet Banking can be used to access only Commercial Bank accounts, which you have designated for access. You can add or delete any of your Commercial Bank accounts from this Agreement by contacting Commercial Bank. Access to your accounts through Internet Banking will be based upon the identification of users and authority levels specified by you in your application. We undertake no obligation to monitor transactions through Internet Banking to determine that they are made on behalf of the accountholder.

Internet Banking Services

You can use internet banking to check the balance of your Commercial Bank accounts, view Commercial Bank account histories, transfer funds between your Commercial Bank checking and savings accounts, make loan payments, and make stop payment requests.

Hours of Access

You can use Internet Banking 7 days a week, 24 hours a day, although some or all Internet Banking services may not be available occasionally due to emergency or scheduled system maintenance.

Your Password

For security purposes, you are required to change your password upon your initial login to Internet Banking. You determine what password you will use and the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to Internet Banking will be revoked. To re-establish your authorization to use Internet Banking, you must contact us to have your password reset.
We recommend that you create a password that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.


You understand the importance of your role in preventing misuse of your accounts through Internet Banking and you agree to promptly examine your paper statement for each of your Commercial Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver’s license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your password and login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Internet Banking is encrypted in an effort to provide transmission security and Internet Banking utilizes identification technology to verify that the sender and receiver of transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Internet Banking system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Internet Banking, or e-mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges

You agree to pay the fees and charges for use of Internet Banking services as set forth in the current fee schedule. You are also responsible for telephone and Internet service fees you incur in connection with your use of Internet Banking.

Posting of Transfers

Transfers initiated through Internet Banking on a regular business day made prior to night time processing (approximately 7:00 p.m. CST) are posted to your account the same day. Transfers completed after night time processing, Saturday, Sunday or banking holiday, will be posted on the next business day. Internet Banking identifies transfers based upon the login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in the Transfer menu options of Internet Banking will not reflect transfers made by multiple users from the same account if different login Ids are used. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers from your accounts in order to avoid overdrafts.

Overdrafts (Order of Payments, Transfers and other Withdrawals)

If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

  • Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority.
  • Electronic fund transfers initiated through Internet Banking which would result in an overdraft of your account may, at our discretion, be cancelled.
  • In the event the electronic fund transfers initiated through Internet Banking, which would result in an overdraft of your account, are not cancelled overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Limits on Amounts and Frequency of Internet Banking Transactions

The number of transfers from Commercial Bank accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

Stop-Payment Requests

You may initiate stop payment requests on-line via Internet Banking only for paper checks you have written on your Commercial Bank accounts. On-line Stop Payment requests are processed when actually received by the Commercial Bank in proper form. The stop payment must precisely identify the name of the payee, the check number, the amount and date of the check.

If you make your stop payment request online or by telephone, we require you to put your request in the form of paper writing and get it to us within 14 days after you call. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account.

Periodic Statements

You will not receive a separate Internet Banking statement. Transfers to and from your accounts will appear on the respective periodic paper statements for your Commercial Bank account.

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any Internet Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Commercial Bank’s web site or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all the subject Internet Banking services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

In Case of Errors or Questions about Your Electronic Transfers

Contact us as soon as you can if you think your paper statement or Internet Banking account is wrong, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST paper statement upon which the problem or error appeared. When you contact us:

If you contact us by telephone or by email, we may require that you send us your complaint or question in the form of paper writing by postal mail or fax within 10 business days.

We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it in the form of paper writing within 10 business days, we may not provisionally credit your account.

Our Liability for Failure to make a Transfer

If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account is closed, or if it has been frozen.
  • If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  • If any electronic terminal, telecommunications device, or any part of the Internet Banking electronic fund transfer system was not working properly when you attempted to initiate the transfer and you reasonably suspected that there was a problem or that your transfer might not have been initiated, but you failed to notify us.
  • If you have not properly followed the on-screen instructions for using Internet Banking or you fail to receive a transaction confirmation screen.
  • If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

Your Liability for Unauthorized Transfers

CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any).
Also, if your statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period, especially if prompt notice would have allowed the bank to halt unwanted transactions. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods.

Disclaimer of Warranty and Limitations of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Internet Banking services provided to you under this Agreement. We do not and cannot warranty that Internet Banking will operate without errors, or that any or all Internet Banking services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Internet Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of Commercial Bank and its affiliates exceed the amounts paid by you for the services provided to you through Internet Banking.

Your Right to Terminate

You may cancel your Internet Banking service at any time by providing us with written notice by postal mail or fax. Your access to Internet Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate

You agree that from time to time we may limit access to Internet Banking services to perform routine hardware or software maintenance and for similar purposes or:

  • Without prior notice, if you have insufficient funds in any one of your Commercial Bank accounts. Internet Banking service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
  • Upon reasonable notice, for any other reason in our sole discretion.

Communication between Commercial Bank and You

Unless this Agreement provides otherwise, you can communicate with us in one of the following ways:

You can contact us by e-mail at commercialbank@commercialbank.net (Note: email sent over the internet is not sent in a secure form)


Commercial Bank
P O Box 648
Parsons, KS 67357

In Person
Commercial Bank
1901 Main
Parsons, KS 67357