Consumer Credit Card

You chose to bank with us for a reason... we’re giving you one more – A Visa card with everything you need. If you’re going across town or around the world, you’ll enjoy more shopping, more restaurants and more travel opportunities with our community bank Visa because your credit card works anywhere Visa is accepted. We take your security very seriously. That’s why your Visa has multiple layers of cardholder protection that gives you an extraordinary level of security. You can feel confident no matter how you use it. Access and print your Consumer Credit Card Application by going to: Consumer Credit Card Application

Frequently Asked Questions for Consumer Credit Card

To help make your online banking experience a pleasant one, we have tried to anticipate some questions you may ask. If you have further questions, please stop by, call Commercial Bank at 1-888-518-7053 between the hours of 8:00 A.M. and 5:00 P.M., or e-mail us at [email protected], and we will be happy to assist you.

Please DO NOT include any account numbers, social security numbers or any sensitive personal financial information in your emails to us. Information you submit via email is not encrypted and can potentially be read by others.

Is there an annual fee?
No. Our Visa card has no annual fee.

How long will it take to process my credit card application?
Per the Equal Credit Opportunity Act, we have 30 days to decision a completed application, however, we do strive to respond within two weeks.

Why do you need my Social Security number?
We use this number to verify your identity. Also, when dealing with credit reporting agencies, it helps us make sure the information we gather or report is really about you.

May I get an extra card for my spouse?
Certainly. We’ll add up to three authorized users on your account at no extra charge.

What kind of fraud protection is included?
Visa's Zero Liability policy protects you from fraudulent charges processed on the Visa network. Certain exceptions apply visit for details. You can also obtain single-use verified by Visa passwords, which provide additional protection for online purchases.

What’s involved in transferring a balance from another card?
You can request a transfer of up to two credit cards or store card account balances when you apply for our Visa card. If your application is approved, we will make every effort to fulfill your request. However, we won’t execute transfers for more than your new card’s credit limit (including authorized users), so we may decline to process a request or may transfer only part of the amount you requested. If a transfer is approved, we’ll take care of sending payment to the creditor. Be sure to continue making regular payments to the creditor until the transfer appears as a credit on that account. The process may take up to 30 days.

Is there a fee for transferring a balance?
There’s no fee if you make the request when you apply for your card. If you want to transfer a balance after your account is open, the fee is 3% of each balance transferred. In all cases, the minimum amount you can transfer is $500. Please see your Visa account’s Important Disclosures for further information.

Can I access my credit card account online?
Yes. Just register at, and you’ll be able to do all this: Review recent transactions and 18 months’ worth of past statements - Make payments online - Download account data to Quicken® or other financial software - Set account alerts and reminders

How do I make payments?
You can pay online at no charge at, or mail your payment to the address on your monthly statement.

How can I get help with my account?
Call us toll-free at 1-800-883-0131. Our team of Customer Service Representatives is ready to help you 24 hours a day, 365 days a year.

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