About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry.



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1 comment

  1. D

    I have had it with Commerce Bank, my husband has had his account 10 years with very few problems until the last year. The account is in his name only, yet I have been signing checks for years.
    In the past years Commerce has done the following;
    Returned a check written to our daughter to deposit it into her bank account. When the check was sent to Commerce for payment they returned it due to my husband signature. Therefore, we were changed $35.00 by Commerce, our daughter bounced a check and her bank will no longer accept our checks.

    Commerce returned another check b/c a the signature (his again), this time it was our electric company, again we were changed $35.00 by Commerce and $35.00 by our electric company. The account had enough money to cover the check, Commerce didn’t like my husbands’ signature….again.

    My husband wrote and signed a check to our son-n-law, he took to a Commerce branch to cash, after waiting in the drive through he was told they could not cash it b/c his fingerprint is required on the check and it could only be done in the lobby. Why Commerce couldn’t send the stamp pad out for him to use…I don’t know.

    Commerce returned a check b/c the account would have been short $1.55, again charging $35.00. If the account history would have been looked at, they would have known the direct deposit was sitting there waiting to be posted, my husbands paycheck is direct deposited every single week for over a year, yet they choose to return the check to get the $35.00.

    Over all rating; big zero—poor

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