Estate planning and settlement at Commerce Bank
Name beneficiaries in branch, fund a trust in branch, and report a death at 1-800-641-2265
Commerce Bank offers 10 consumer accounts that interact with estate planning in distinct ways. Of those, 8 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Commerce Bank can be managed in branch, by phone, and by mail, typically taking 15 to 30 minutes in a branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Commerce Bank has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 10 account types at Commerce Bank.
Preparing your estate →Death claim process
Report the death to Commerce Bank's Personal Accounts and Services at 1-800-641-2265. The page lists the steps and the documents to send.
When someone dies →Commerce Bank's Commerce Trust can answer questions about beneficiaries, trusts, or death claims at 1-816-234-2822. Email inquiries can be sent to thecommercetrustcompany@commercebank.com.
Commerce Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Sources
Data sourced from Commerce Bank primary sources (15 pages reviewed). How we research.
Commerce Bank customer support
Phone
24-Hour Account Information Line (automated)
Online Banking Customer Support
Mortgages and Home Equity - Existing Loans
Mortgages New Loans and Applications
Commerce Financial Advisors (brokerage and IRA)
Hours
Mailing address
Website
Estate planning articles
Learn how to protect your Commerce Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Codicil to a Will
Add, revoke or replace provisions of your will and republish the rest, signed as your state requires for a will.
HIPAA Release
Name who may receive your medical records, in the authorization federal law requires, with your state's rules for sensitive records. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Do I Sign Estate Documents?
Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Much Does a Will Cost?
Compare will costs across providers plus probate costs your heirs will pay.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
