Commerce Bank, a subsidiary of Commerce Bancshares, is one of the largest, independent financial institutions that provides a range of lending and depository products and services in the lower Midwest. It offers checking, savings and money market accounts. The bank also provides mortgage, automobile, home equity and personal loans. Commerce Bank offers certificates of deposit and credit cards. It serves individuals and businesses. The bank additionally provides merchant, wealth management, estate planning and investment services. Founded in 1865, Commerce Bank has more than 350 locations in Missouri, Kansas, Illinois, Oklahoma and Colorado. As a part of Commerce Bancshares, it is a member of the Federal Deposit Insurance Corporation.