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To help keep our customers and employees safe and healthy through the COVID-19 pandemic, we are limiting branch lobby access and providing service through drive-thru, phone and online banking.

Current Updates

debit card fraud monitoring services

Your debit card has a watchdog.

Our fraud monitoring service is always monitoring for suspicious debit card activity on your account. If we identify a potentially fraudulent debit card transaction, our team of fraud analysts will contact you to either confirm or deny the transaction. Your quick response is critical to prevent potential risk and avoid restrictions from being placed on your card.


Our fraud detection software analyzes purchase history and fraud patterns to identify anything out of the ordinary. If we find something like a purchase in a faraway city, we'll alert you using one or all of the following methods to either confirm the transaction or start resolving fraud:

Email - You will receive a fraud notification email from "EnFact Notifications". The email will provide you with details regarding the transaction in question and instructions on how to resolve the case.

Voice Call – You may receive a call from the "Fraud Detection Center". Follow the prompts to verify the transaction or start resolving fraud.

Text – If you enrolled in text fraud alerts, you will receive a text from "Commerce Bank Fraud Alerts". Your prompt reply will help our fraud analysts resolve the case and lift any card restrictions that may have been placed.

It is extremely important that we have your current contact information on file so you can benefit from this free service. Your quick replies help the system learn your behaviors and will prevent future delays or card restrictions. Also, don't forget to notify us about your travel plans so we can make sure your transactions run smoothly while you're away.

If you have questions or need debit card support, please contact a branch location nearest you. If you need after-hours debit card support, please call our Card Care Center at 1-866-414-0468.

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