Kids Club Savings is a great way to establish your child’s financial future and develop good savings habits from an early age. Additionally, you’ll enjoy:

• Quarterly interest earnings


• FREE Online Banking, Mobile Banking, eStatements, account Alerts, and more


• FREE Identity Theft Protection Service

We have a great breakdown of our benefits on the Careers Page. But from fresh fruit in the office, to comprehensive benefits, to significant loan discounts, there are a lot of reasons to join our team. Here’s just a few:

• Club Fit: wellness initiatives and quarterly wellness reimbursement incentive


• Employee team-building events


• Volunteer incentive: earn vacation time or apparel credits for volunteer service


• Tuition reimbursement: We support and encourage continuing education. Ask us for details.


• Medical/Dependent Care Flexible Spending Account


• Discounted safe deposit box


• 401(k)

Online and Mobile Banking utilize multiple layers of security, including multifactor authentication, password protections, internet firewalls, and 256-bit encryption help keep your information safe and secure.

Mobile and Online Banking allows you to quickly move money between your accounts 24/7, even personal accounts at other financial institutions.

Here’s how to set up Alerts on the Mobile Banking app:

1. Log in to our Mobile Banking app.


2. Select “More” from the primary menu, followed by “Alerts.”


3. Enable “Push Notifications.”


4. Once activated, you have the option to set up various alerts such as account alerts, security alerts, card alerts, and more.

Yes. Follow the app instructions to deposit paper checks using your phone’s built-in camera. You can view a video tutorial on our Online Education Center.

We’re here for you. To get started, view our handy Mortgage Document Checklist.

If you are a checking account customer with us, you will receive a discount on your mortgage closing costs for purchase or refinance of primary residences only. Contact our mortgage expert for more information.

Our custom alerts let you know – via email, text, and to your Online Banking message center – whenever something important happens in your accounts. There are dozens of alerts to choose from, so you can monitor your account activity as closely as you choose.

To learn more about Alerts or how to set them up, visit our Online Education Center.

When you enroll in Online Banking, you are automatically enrolled in Mobile Banking. Simply use the same login credentials to access Mobile Banking. If you are not yet enrolled in Online Banking, you must go through the first-time login process from your mobile device.

Using the card management features in our Mobile Banking app, you can:

• Set card controls by location, merchant type, and spending limits.


• View spending insights for a clear picture of when and where your purchases were made.


• Add travel plans so you can use your card worry-free.


• Quickly add your cards to your device’s digital wallet.


• Receive transaction alerts, fight fraud, quickly reach support, and more!

Enjoy peace of mind around the clock with our 24-hour Card Care Center. From troubleshooting card issues, disputing transactions, or reporting lost or stolen cards, you can get reliable support anytime day or night when you call 833.467.4294. And that’s not all – this service also helps protect your financial security during travel by adding an extra layer of protection for notified trips!

Your debit card has an added layer of security with EMV chip technology, making it more difficult for criminals to hack and steal your data. Additionally, the cards we issue come with 24-hour fraud detection services. If a fraudulent transaction is suspected, you will receive an alert by phone, email, or text.

Our fraud detection software analyzes purchase history and fraud patterns to identify anything out of the ordinary. If we find something like a purchase in a faraway city, we’ll alert you using one or all of the following methods to either confirm the transaction or start resolving fraud:

Email – You will receive a fraud notification email from “EnFact Notifications.” The email will provide you with details regarding the transaction in question and instructions on how to resolve the case.

Voice Call – You may receive a call from the “Fraud Detection Center.” Follow the prompts to verify the transaction or start resolving fraud.

Text – If you enrolled in text fraud alerts, you will receive a text from “Commerce Bank of Wyoming.” Your prompt reply will help our fraud analysts resolve the case and lift any card restrictions that may have been placed.

When you receive a call from the Bank or Fraud Department, you will never be asked for your PIN, CV2 codes, or expiration dates. Here’s what you CAN expect:

• A text alert warning of suspicious activity on a card will NEVER include:
  
  
  
  • A link to be clicked. Never click on a link in a text message that is supposedly from us.
  
  
  • Vague reference to a “Merchant” transaction; details should be included.
  
  
  • Requests for cardholder data such as card numbers, PINs, CV2 codes, expiration date.
  
  
  
  


• A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.


• A valid notification will provide information about the suspect transaction and ask you to reply to the text message with answers such as “yes,” “no,” “help,” or “stop.”


• The text will come from 20733, and “Commerce Bank of Wyoming Fraud Alerts” will be identified within the text message.


• A phone call from one of our Call Center agents will only include a request for your Zip code, and no other personal information, unless you confirm that a transaction is fraudulent.
  
  
  
  • Only then will you be transferred to an agent, who will ask questions to confirm your identity before going through the transaction history. If at any point you are uncertain about questions being asked or the call itself, you should hang up and call us directly.
  
  
  
  


• If you receive a call claiming to be your Call Center asking to verify transactions, you should not have to provide any information other than your Zip code, and a “yes” or “no” to the transactions provided.

If you have questions, need debit card support, or need to dispute a charge, please contact the branch nearest you. If you need after-hours debit card support, please call our Card Care Center at 833.467.4294. When calling our Card Care Center, you may be asked to provide your full Card Number and PIN.

Yes, you can generally use your debit card in other countries. To ensure a smooth experience, please notify us of your travel plans ahead of time. This will help prevent any interruptions in service and allow us to better protect you from potential fraud. Additionally, be aware that some transactions may incur foreign transaction fees, and certain countries may have restrictions on card use. To avoid unexpected issues, check with us for any specific conditions related to your destination. Enjoy your travels with peace of mind knowing your banking needs are taken care of!

HSAs are similar to Traditional IRAs, except the money is used to pay for qualified healthcare costs. Contributions can be tax-deductible and distributions are tax-free when used for qualified medical expenses. Interest earned is tax-deferred and unused balances roll over from year to year.

Anyone with a high-deductible health insurance plan is eligible for an HSA provided they are not covered by another health insurance plan, entitled to Medicare, or can’t be claimed as a dependent on someone else’s tax return.

For 2025, the contribution limit is $4,300 for single coverage or $8,550 for family coverage. If you are over age 55, you can make a $1,000 “catch-up” contribution as well.

There is no charge for the first 25 items deposited during a statement cycle.  A fee of $0.50 per item will be charged for items over 25 deposited during a statement cycle.

Yes, once you enroll in Bill Pay, you can start paying bills from within your Online Banking account. You can make payments to anyone in the United States.

eStatements are a paperless way to receive your monthly statement(s) through your Online Banking account. You can view or download your statements anytime! We’ll let you know via email when your statement(s) are ready to view.

If you are already an Online Banking user, simply log in to your Online Banking account and click on PROFILE in the upper right-hand corner. Once the page loads, click on “Edit” located next to “Electronic Statements.” Select eStatements and accept the electronic statements terms and conditions.

You can send money to friends, family and others you trust.²

Since money is sent directly from your bank account to another person’s bank account within minutes,³ it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

To get started, log in to the NebraskaLand Bank branded online banking or mobile app and navigate to the “Send Money With Zelle^®” tab. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle^®.

To send money using Zelle^®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.³

To request money using Zelle^®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”⁴

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.³

If you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.


2. Select Commerce Bank of Wyoming.


3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle^® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.²

Since money is sent directly from your bank account to another person’s bank account within minutes,³ Zelle® should only be used to send money to friends, family, and others you trust.

Neither Commerce Bank of Wyoming nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

It’s easy — Zelle^® is already available within Commerce Bank of Wyoming’s Mobile Banking app and Online Banking within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

You can find a full list of participating banks and credit unions that use Zelle^® here.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

When you enroll with Zelle^® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with Commerce Bank of Wyoming).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its “directory” and notifies Commerce Bank of Wyoming of the incoming payment. Commerce Bank of Wyoming then directs the payment into your bank account, all while keeping your sensitive account details private.

In order to use Zelle^®, the sender’s and recipient’s bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our customer service team at 866.634.2100 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Commerce Bank of Wyoming but are a separate service from Zelle^® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.³

If you send money to someone who isn’t enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.³

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact our customer support team at 866.634.2100.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for Commerce Bank of Wyoming. When you use Zelle^® within our Mobile Banking app or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Commerce Bank of Wyoming nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Call our customer support team at 866.634.2100 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle^®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle^® through your NebraskaLand Bank branded banking app and online banking. Please call our customer support team at 877.362.2299 for help.