Fraud Prevention Service
In continuing our efforts to keep your accounts safe, we've improved our alert system for potential fraud. here's how it works:
1. When potential Fraud is detected, you will receive an automatic email notification from Commercial Bank with the option to reply "fraud" or 'no fraud.'
2. One minute after the email, you will receive a text alert from 32874 between 7 a.m. and 9 p.m. EST, which also has the "fraud" "no fraud' option.
3. If there is no response from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.
Remember, our messages will never ask for your PIN or account number.
The phone number for our Fraud Center has changed to 1-800-417-4592. if you add this number to your phone contacts and label it "Fraud Center," it will display whenever you get a call from this number.
Or Call Customer Support if you have questions: 423-869-5151, but it is best to also reply directly to the fraud center notification.
Mobile Remote Deposit
Mobile Remote Deposit at Commercial Bank lets you use your mobile device to take a picture of a check and deposit it into your account . It is secure and convenient. You never have to bring the check to the bank, and you can use your Apple or Android device. You’ll also need to be enrolled in internet banking and you’ll need to download the Commercial Bank app to use Mobile Remote Deposit. An enrollment process is required, and if approved the deposit feature will be added to your app. Call Customer Support if you have questions: 423-869-5151.
Frequently Asked Questions:
What checks can I deposit?
You may deposit any check made payable to you that is drawn on a U.S. bank. You cannot remotely deposit money orders or travelers checks.
What limits are there?
You may deposit up to 5 items totaling $2,500 on a single day, and up to 25 items totaling $25,000 in any calendar month.
How should I endorse the checks?
Endorse the check as it is made payable to and write “Deposit Only Commercial Bank” below your signature.
When will deposited items become available?
Deposits made before 5 p.m. on a business day will normally be available the next business day.
How will I know a deposit was received?
You will receive a confirmation email stating the status of your deposit. Additionally, within the Mobile App, previous deposits from the last 5 days will be listed.
What do I do with the checks I have deposited?
Securely keep checks for at least 7 days. Make sure your deposit has been credited to your account, then destroy the check. Do not dispose of intact checks in trash. Shredding is recommended to avoid fraud or other mishandling.
Commercial Bank is proud to offer three forms of Mobile Banking access:
- Mobile Web
- Mobile Text
- Mobile App
eStatements and eNotices
You can purchase a CD ROM of all your account activity for the year. It's great for record retention or for tax preparation. Contact customer support to order yours: 423-869-5151.