Commerce Online Banking

Commerce Online Banking makes banking fast, easily accessible, secured and smart. This helps the customers to avail all sorts of banking facilities right from their home or office premises. In this way, the time as well as energy of the customer is preserved for other important works.

Commerce Online Banking helps the customers to perform all their banking activities in a secured and private manner. In addition to this, the Commerce Bank offers a Online Banking Guarantee scheme to its revered clients and pledges to protect them from any type of fraudulent practices.

Transaction details can also be viewed by the customer from the Online channels. These feeds can be viewed on a real time basis. This is not all. The Commerce Online Banking also facilitates the clients with money transfer among the different accounts of the bank. Statements can also be viewed from the Online medium in place of the statements in paper format. These electronic statements are easy to handle and are equivalent to the paper ones for documentary purposes. A person wanting statement for the purpose of documentary evidence just needs to take a print out of the electronic format. The account holders of the Commerce Online Banking have the privilege of paying their bills through the Online mode which is a very fast process and can be done within minutes. There are additional and special facilities available for the owners of the small businesses. If they have both their personal and business account with Commerce Online Banking then they can view both of their accounts in one screen.

Some of the products and services offered by the Commerce Bank to its Online subscribers are given below :-

• Online Account Access
• Payment of bill through Online channel
• Performing banking practices through Quicken or Microsoft Money softwares
• Guarantee given to the customers for Online banking
• Security given to the customers for Online banking

Now, let us see what are the services and fees attached with the banking products offered by Commerce Online Banking.

• The access of the bank account through the Online channel is available to the customers at all times of the day, seven days a week. So, it is a 24×7 service making it possible for the customers to do the banking from any place they want and at any point of time. A person can avail this online facility of the bank through the opening of either of a savings or check account with the Commercial Bank.
• Bill can be paid online with a very high speed every month through Commerce Online Banking. This account is basically a free one for those who fulfill the basic conditions:-
  • the person having a account for the check
  • the person having a account for the student checking
  • the person affording a Commerce Options. It is for those who have plus and premium checking facility. For other types of account holders this facility is not free. For an upper limit of twenty payments the fees charged by the bank is 6.95 dollars. For every extra payment made by the bank attracts a fees of sixty cents from the account holders.

• Banking through online channel can also be done via installation of Quicken or Microsoft Money software into the personal computer. This facility can be accessed by he customer on a free basis only when they subscribe for Commerce Options. Person having other form of accounts have to avail this facility by paying off an amount of three dollars for a maximum of eight sessions. After this, for every additional session an extra charge of thirty five cents are charged from the customer.

The Commerce Bank Personal Online Banking Guarantee is one of the most attractive offers given by the Commerce Online Banking. This offer gives guarantee of keeping all the banking related informations secret. This is ensured by the bank by taking a whole lot of security related measures. This guaranteed scheme ensures that no unauthorized removal of money would take place from the personal account of the account holder. Even if for any unknown reasons there takes place any type of siphoning of money from the account in a fraudulent manner, then also the Commerce Online Banking remains liable in squaring off the displaced money. The fraudulent practice may include Online theft of the account holder’s account number or password.

Commerce Online Banking also provides additional guarantee meant for those individuals who are making bill payment through the Online medium. This security is given to the customers to protect them from unauthorized transactions and/or delays in bill payment due to processing lags.

• In case of any type of unauthorized transactions, the liability of the account holder would be restricted to a maximum of fifty dollars provided the concerned person reports about the snag to the bank authority within two business days.
• If an account holder has to pay any type of late payment due to the fault of the bank then Commerce Online Banking would take this liability upon its shoulders but up to a maximum of fifty dollars.

  Commerce Online Banking uses a very secured and cutting edge technology known as Secure Socket Layer (SSL) technology of 128 bits. This technology is the key behind the success story of the security guarantee they give. Another important feature of this security is the time-out feature of the system. If a person remains inactive for a certain period of time then the system automatically logs out.