Founded in 1865, Commerce Bank offers financial services to individuals and businesses. The bank operates more than 350 locations in Missouri, Kansas, Illinois, Oklahoma and Colorado. It provides business and personal banking, wealth management, estate planning and investment services. The bank offers checking and savings accounts, as well as certificates of deposit and credit cards. It provides online and phone banking options. The bank additionally offers automobile, student and home equity loans. Its international banking services include foreign exchange assistance and wire transfers. Commerce Bank also provides fraud detection and cash management services. It is a subsidiary of Commerce Bancshares, a bank holding company. Commerce Bank is a member of the Federal Deposit Insurance Corporation.