Estate planning at Commerce Bank
How to protect 10 Commerce Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Commerce Bank's Commerce Trust Company
Phone1-800-453-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
Spanish-Language Assistance
International / Outside U.S. (collect)
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2552
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone1-800-453-2265
Toll-Free1-800-453-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents
Verified Apr 2026
Commerce Bank offers 10 consumer accounts that interact with estate planning in distinct ways. Of those, 2 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 mail, and by phone, typically taking 15-30 minutes in 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.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 10 account types at Commerce Bank.
View details →When someone dies
Death claim process
Contact Commerce Bank's Commerce Trust Company to file a claim. 5-step process, 9 required documents, and contact information for survivors.
View details →Commerce Bank's Commerce Trust Company can answer questions about beneficiaries, trusts, or death claims at 855-295-7821. 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.
Frequently asked questions
Yes. Commerce Bank deposit accounts are FDIC insured. POD beneficiaries receive separate FDIC insurance coverage of up to $250,000 per beneficiary. Trust accounts are also FDIC insured up to the maximum allowed by law, based on the number of qualifying beneficiaries under the trust.
You need a Certification of Trust (or the relevant pages of your trust agreement identifying the trust name, date, grantors, trustees, and trustee powers), government-issued photo ID for all trustees, and the trust tax identification number (EIN) or grantor SSN for revocable trusts. Bring any amendments to the original trust agreement. Visit a Commerce Bank branch to complete the application.
Early Pay is available on all Commerce Bank personal checking accounts (Free, Interest, and Relationship Checking). Once you set up a qualifying recurring direct deposit, Commerce Bank provides access to your direct deposit funds up to two days early. The feature is automatic once your direct deposit is established.
The Neighborhood Connection home loan program provides up to 100% loan-to-value financing for borrowers purchasing a primary residence in low- and moderate-income census tracts in the Denver, Houston, Kansas City, St. Louis, and Wichita areas. Eligible borrowers receive a $5,000 grant toward closing costs and down payment. Application income must be at or below 80% of FFIEC Median Family Income. A minimum FICO score of 580 is required for 97% LTV and 620 for 100% LTV.
No. IRA accounts (Traditional and Roth) cannot be retitled to a trust. However, you can name a trust as the beneficiary of your IRA. For IRA beneficiary changes, contact Commerce Financial Advisors or visit a branch. Deposit accounts such as checking, savings, money market, and CDs can be retitled to a revocable living trust by visiting a branch with trust documentation and trustee identification.
Sources
Data sourced from Commerce Bank primary sources (18 pages reviewed). How we research.
Phone1-800-453-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
Spanish-Language Assistance
International / Outside U.S. (collect)
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2552
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone1-800-453-2265
Toll-Free1-800-453-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents
Verified Apr 2026
Estate planning articles
Learn how to protect your Commerce Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
