**Commerce Bank: Transferring Savings to Checking Made Easy**

**A Comprehensive Guide to Seamless Account Management**

As a valued Commerce Bank customer, managing your finances efficiently is paramount. Transferring funds between your savings and checking accounts is an essential skill that enables you to optimize your cash flow and achieve your financial goals. This comprehensive guide will empower you with the knowledge and techniques to make transferring funds between your Commerce Bank accounts a breeze.

**Understanding the Value of Seamless Transfers**

• Convenience: Transfer funds anytime, anywhere, with just a few taps or clicks on the Commerce Bank mobile app or online banking portal.
• Time Savings: Eliminate the hassle of writing checks or visiting a branch, freeing up valuable time for more important matters.
• Financial Control: Maintain complete control over your funds and monitor account balances in real time.
• Avoid Late Fees and Penalties: Stay on top of your checking account balance to avoid overdraft fees.

**Transitioning from Savings to Checking**

Before initiating a transfer from your savings account to your checking account, it's important to ensure you have sufficient funds available. Commerce Bank offers various methods for transferring funds:

**Online Banking**

1. Log in to the secure Commerce Bank online banking platform at www.commercebank.com.
2. Navigate to the Transfer Funds section.
3. Select your savings account as the Transfer From account and your checking account as the Transfer To account.
4. Enter the desired transfer amount.
5. Review the transaction details and click Submit.

**Mobile App**

1. Download the Commerce Bank Mobile App from the App Store or Google Play.
2. Log in with your mobile banking credentials.
3. Tap on the Transfer icon.
4. Select your savings account as the From Account and your checking account as the To Account.
5. Enter the transfer amount and tap Continue.
6. Confirm the transaction details and tap Transfer.

**Telephone Banking**

1. Call Commerce Bank at 1-800-321-BANK (2265).
2. Follow the automated prompts to access your account.
3. Provide the representative with your savings account and checking account numbers and the desired transfer amount.
4. Confirm the transaction details to complete the transfer.

**Navigating External Transfers**

In addition to transferring funds within Commerce Bank, you may also need to move money to or from external accounts. Commerce Bank allows you to easily connect external accounts for seamless transfers.

1. Log in to online banking or the mobile app.
2. Navigate to the External Transfers section.
3. Follow the prompts to link your external account.
4. Once the account is linked, you can initiate transfers as you would with Commerce Bank accounts.

**Common Mistakes to Avoid**

• Incorrect Account Numbers: Double-check your account numbers before initiating a transfer.
• Insufficient Funds: Ensure you have sufficient funds in your savings account to cover the transfer amount.
• Transfer Limits: Be aware of the daily or monthly transfer limits for your accounts.
• Holiday Delays: Transfers initiated on federal holidays may experience processing delays.

**Step-by-Step Approach to Success**

1. Log in: Access your Commerce Bank online banking or mobile app account securely.
2. Choose Transfer Funds: Navigate to the designated section for transferring funds.
3. Select Accounts: Specify your savings account as the Transfer From account and your checking account as the Transfer To account.
4. Enter Amount: Input the desired transfer amount.
5. Review and Submit: Carefully review the transaction details and confirm the transfer.
6. Monitor Transfer: Track the status of your transfer through online or mobile banking.

**Call to Action**

Mastering the art of transferring funds between your Commerce Bank savings and checking accounts empowers you to take control of your finances and achieve your financial aspirations. Embrace the convenience and efficiency of online banking, the mobile app, or telephone banking to manage your money seamlessly. Remember, a well-managed cash flow is the foundation for financial success.