How to name beneficiaries and fund a trust at Commerce Bank
Covers 6 deposit, 2 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
Phone800-641-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
24-Hour Account Information Line (automated)
Online Banking Customer Support
Mortgage Servicing (existing loans)
Mortgages New Loans and Applications
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2822
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone800-641-2265
Toll-Free800-641-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents. For mortgage death claims: Commerce Bank Mortgage Corp., 922 Walnut Street, Suite 1100, Mailstop: TB11-CM3, Kansas City, MO 64106.
Verified Jul 2026
Estate planning for your Commerce Bank accounts starts with understanding how each one transfers at death. Beneficiary designations and trust retitling both bypass probate, but the right approach depends on the account type, your tax situation, and how much control you want over distributions.
With 10 product types, Commerce Bank offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Commerce Free CheckingCommerce Interest CheckingCommerceRelationship CheckingmyRewards SavingsPremium Money MarketCertificate of Deposit
1
Visit any Commerce Bank branch location with a valid government-issued photo ID:
- Request to add or update POD (Payable on Death) beneficiary designations
- Provide beneficiary name, date of birth, Social Security number, and relationship
2
All account owners must agree to and sign the beneficiary designation
3
Receive a copy of the signed beneficiary form for your records
Special Requirements
- All account owners must agree to beneficiary designation changes on a form acceptable to the bank
- For trust as beneficiary, provide full legal trust name, date of trust, and trustee information
- IRA beneficiary changes may require separate forms through Commerce Financial Advisors
- Under the Deposit Agreement, if two or more POD beneficiaries survive the last account owner they take in equal shares without right of survivorship; a beneficiary who predeceases the owner passes no interest to that beneficiary's heirs or estate
- POD accounts are governed by the law of the account's domicile state; Missouri POD accounts are established under Missouri's nonprobate transfers law
Sources
Data sourced from Commerce Bank primary sources (21 pages reviewed). How we research.
Download these Commerce Bank instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Commerce Bank primary sources. Bring it to the branch or keep it beside the phone.
Phone800-641-2265
Mailing Address
Commerce Bank, 1000 Walnut Street, Kansas City, MO 64106
24-Hour Account Information Line (automated)
Online Banking Customer Support
Mortgage Servicing (existing loans)
Mortgages New Loans and Applications
WebsiteLearn more→
Commerce Trust Company
Phone(816) 234-2822
Toll-Free855-295-7821
Mailing Address
Commerce Trust Company, 1000 Walnut Street, Kansas City, MO 64106
WebsiteLearn more→
Death Claims
Phone800-641-2265
Toll-Free800-641-2265
Mailing Address
Contact your local Commerce Bank branch for the appropriate mailing address for estate documents. For mortgage death claims: Commerce Bank Mortgage Corp., 922 Walnut Street, Suite 1100, Mailstop: TB11-CM3, Kansas City, MO 64106.
Verified Jul 2026
Estate planning articles
Learn how to protect your Commerce Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
