• During normal business hours, call Bank of Commerce at 620-431-1400 (M-F 8:30 – 5:00).
• After normal business hours, please call 800-554-8969.

• Call card services at 800-821-5184 24 hours a day.

• Call card services at 800-325-3678 24 hours a day.

When you call these numbers, please be prepared to share:

• Your name, as it appears on your card
• The card issuing Bank (Bank of Commerce)
• Your address:
  • For VISA Check Card or ATM card, this is the address on the account that is associated with the card
  • For VISA credit card, this is the address where you receive your credit card statement
• Your social security number
• The account number on the card if available.
  
  
  

Send us an e-mail with your questions, comments, or ideas.

• ATM/VISA Check Card. See Debit/Credit Card Products for more information.
• VISA Credit Card available for Personal and Business accounts. See Debit/Credit Card Products for more information.
• Free 24 Hour ATM's Locations
• Money Orders/Cashier's Checks/Personal Money Orders
• Gift Cards/Travel Cards
• Notary Services
• Safe Deposit Boxes
• Wire Transfers
• Night Depository
• Redeem Savings Bonds
• Payroll Direct Deposit
• Account balancing assistance
• Fax services
• Photocopy services
• Telephone transfer services
• Trust Department
• Discount Brokerage
• City of Chanute utility payment site

• A low variable rate
• No annual fee
• Free online account information
• Worldwide acceptance
• Cash advance at thousands of ATMs
• Auto rental insurance
• Automatic payment option
• Travel accident insurance coverage
• ScoreCard Rewards for eligible cardholders (Requires Platinum Preferred card membership)
• Prompt, expert service you've come to expect from your community bank

• Controlled Spending
  Manage your company's cash flow conveniently and efficiently with a VISA® Business Card. Its flexibility allows you to preset spending limits for each employee cardholder. Online account information helps you monitor available funds 24/7. Detailed monthly statements and quarterly reports itemize your business expenditures to help you track expenses and prepare for tax season.
• Secure Transactions
  Fraud monitoring helps detect suspicious activity early. Visa® Zero Liability protects against unauthorized card use and grants provisional credit.
• Worldwide Acceptance
  The Visa® Business Card gives you international buying power. Use it everywhere Visa® is accepted. Purchase office equipment, order supplies online, or dine with clients.

• Platinum and qualifying business cardholders earn one point for every $1 in purchases.
• Redeem points for air travel, cruises, hotel stays, car rental, experience packages (events) and merchandise
• Up to 4 years to use earned points before they expire.
• More information at: www.scorecardrewards.com

• Manage your VISA credit card from your desktop:
  • View Account Balance, check available credit, view current and past statements, make payments online, download transaction history, setup recurring payments, setup email alerts, and view spending categories
• Cardholders can access this site at: www.mycardstatement.com

• Mail in coupon with your statement
• Phone payments:
  • IVR Payment: 800-423-7503
  • CSR Payment: 800-423-7503 ($5.00 service fee per payment)
• ACH AutoPay:
  • Monthly set amount
  • Monthly % of balance
  • Minimum payment
  • Total amount
• Online at www.mycardstatement.com
• Pay in person at any of our bank or branch locations

• See our Lost or Stolen Card page.

• Free Checking
  $50.00 minimum deposit to open this account
  No monthly service charges
  Truncated account (no checks or images returned with statement)
  Free first 40 duplicate checks
  Visa Check Card available for qualifying applicants
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Regular Checking
  $100.00 minimum deposit to open this account
  Monthly service charge is based on balance
  Visa Check Card available for qualifying applicants
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Gold Checking
  This account is for our customers age 55 and over
  $100.00 minimum deposit to open this account
  Monthly service charge is based on balance
  Free Notary Service
  Free photocopies (management has right to limit for excessive use)
  Free Money Orders
  Free Cashiers Checks
  Free first order of standard checks
  Free Visa Check Card available for qualifying applicants
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• NOW
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Monthly service charge is based on balance
  Service charge for each debit transaction in excess of 30 per statement cycle
  Visa Check Card available for qualifying applicants
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• NOW Gold
  This account is for our customers age 55 and over
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Monthly service charge is based on balance
  Free Notary Service
  Free photocopies (management has right to limit for excessive use)
  Free Money Orders
  Free Cashiers Checks
  Free first order of standard checks
  Free Visa Check Card available for qualifying applicants
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
  
• Super Now Personal Checking
  $2,500 minimum deposit to open
  Interest Bearing Account
  Monthly service charge is based on balance
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
  

• Passbook Savings
  $50.00 minimum deposit to open this account
  $25.00 minimum deposit for a minor to open this account
  Interest bearing account
  Service charge for each debit transaction in excess of 6 per statement cycle
  Quarterly service charge is based on balance; no quarterly service charge for account holders 18 years of age and under
  ATM Card available for qualifying applicants
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Money Market Deposit
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Service charge for each debit transaction in excess of 6 per statement cycle
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Christmas Club
  No required deposit amount to open this account
  Interest bearing account
  No premature withdrawals with forfeiture of interest
  This account matures at the end of October each year
  Account funds are available at maturity
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Health Savings Account
  $10 minimum deposit to open this account
  Interest bearing account
  For a copy of the full disclosure for this account, please stop by any of our full service locations
  
  

• Business Checking
  $100.00 minimum deposit to open this account
  Monthly maintenance fee
  Fee per item
  Earnings credit on minimum balance (up to the amount of account service charges)
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Sole Proprietorship
  $100.00 minimum deposit to open this account
  Monthly maintenance service charge
  Earnings credit on minimum balance (up to the amount of account service charges)
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Business Interest Checking
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Monthly service charge is based on balance
  Service charge for each debit transaction in excess of 30 per statement cycle
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Business Interest Checking Plus
  $2,500.00 minimum deposit to open this account
  Interest bearing account
  Monthly service charge is based on balance
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Public Funds Now
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Public Funds Super Now
  $2,500.00 minimum deposit to open this account
  Interest bearing account
  Check Image Monthly Statements
  For a copy of the full disclosure for this account, please stop by any of our full service locations

• Passbook Savings Non Consumer
  $50.00 minimum deposit to open this account
  Interest bearing account
  Service charge for each debit transaction in excess of 6 per statement cycle
  Quarterly service charge is based on balance
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Public Funds Money Market
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Service charge for each debit transaction in excess of 6 per statement cycle
  For a copy of the full disclosure for this account, please stop by any of our full service locations
• Non Consumer Money Market
  $1,000.00 minimum deposit to open this account
  Interest bearing account
  Service charge for each debit transaction in excess of 6 per statement cycle
  For a copy of the full disclosure for this account, please stop by any of our full service locations

With Bank of Commerce’s Online Banking, you can:

• Make account inquiries
• View transaction history
• Make transfers between your accounts at Bank of Commerce
• View and Print Account Statements and check images
• Make stop payments on checks
• Make payments to your loan at Bank of Commerce

A powerful, complete payment system that's easy to use, and very secure. With Online Bill Pay you will be able to pay bills, track payments, and send money to virtually anyone. And it all starts with the Payment Center.

What is the Payment Center?

The Payment Center is the central hub of Bill Pay. You can easily initiate payments, view payment history, enter new billers, see pending payments...pretty much everything related to paying bills or sending money.

If you need to get in-depth, the Payment Center is your springboard for that too. Access for all of our Online Bill Pay features start here.

It's time to put the most user-friendly, feature rich payment system to work for you!

With Bank of Commerce's Online Bill Payment, you can:

• Pay Virtually Anyone - From the local bakery to a Fortune 500 Company, even your babysitter.
• Same Day/Next day Payments - Payments can often be received in as little as one business day, even that same afternoon if necessary.
• Group Payments Into Categories - Organize your utilities, cable and phone into a group named "Household."
• Receive eBills - Green, more convenient, more secure and easier to manage.
• Reminders - Receive updates through email when you receive a bill, or when it's due.
• Automatic Payments - Great for bills that stay the same each month, like your rent or car loan.
• Search Bill History - Search by company, date, and status; the moment you need an answer, wherever you are.
• Message Center - Get quick answers to questions you might have.
• Completely Safe - More secure than mailing paper checks.

View the Online Bill Payment Tutorial for an overview of each feature of Bill Payment.

Online Banking offers electronic statement and notice delivery. This service is provided free to our Online Banking users.

• If you are not a user of Online Banking, complete the Online Banking sign-up.
• Once you can access Online Banking, you will be prompted to enroll accounts that you are a primary owner on for electronic document delivery.
• Select either statements only or statements and notices.
• The next time the electronic document, you enrolled in, is created you will get a Notice email letting you know that you have a statement or notice available.
• To view the document, just log into Online Banking, select the account, and select the documents tab.

Don’t worry about missing out on important information that we periodically include as a statement insert. You will continue to receive this information as an attachment to your electronic Statement.

There are numerous notices available, so make sure to select statement and notices to ensure that your mailed items get sent electronically.

Because you access your electronic documents through Online Banking, you have the convenience and flexibility with the security and safety that you expect from Bank of Commerce even when viewing or printing your electronic documents.

• Secure Data Transfer: Once the server session is established, the user and the server are in a secured environment. The server has been certified as a 256-bit secure server and data traveling between the user and the server is encrypted with Transport Layer Security (TLS) protocol. With TLS, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's online banking server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when the user logs into online banking again.
• Router and Firewall: Requests must filter through a router and firewall before they are permitted to reach the online banking server. A router (a piece of hardware) works in conjunction with the firewall (a piece of software) to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic, and then opens connections only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.
• Website Security: Thawte Security Certification validates the authenticity of the Bank of Commerce website. When you are accessing our Bank of Commerce website you will see the following on the address bar.
  

  Internet Explorer Address Bar:

  Chrome Address Bar:

• They get information from businesses or other institutions by:
  - stealing records from their employer,
  - bribing an employee who has access to these records, or
  - hacking into the organization’s computers.
• They rummage through your trash, or the trash of businesses or dumps in a practice known as “dumpster diving.”
• They obtain credit reports by abusing their employer’s authorized access to credit reports or by posing as a landlord, employer, or someone else who may have a legal right to the information.
• They steal credit and debit card numbers as your card is processed by using a special information storage device in a practice known as “skimming.”
• They steal wallets and purses containing identification and credit and bank cards.
• They steal mail, including bank and credit card statements, pre-approved credit offers, new checks, or tax information.
• They complete a “change of address form” to divert your mail to another location.
• They steal personal information from your home.
• They scam information from you by posing as a legitimate business person or government official.

Once identity thieves have your personal information, they may:

• Go on spending sprees using your credit and debit card account numbers to buy “big-ticket” items like computers that they can easily sell.
• Open a new credit card account, using your name, date of birth, and SSN. When they don’t pay the bills, the delinquent account is reported on your credit report.
• Change the mailing address on your credit card account. The imposter then runs up charges on the account. Because the bills are being sent to the new address, it may take some time before you realize there’s a problem.
• Take out auto loans in your name.
• Establish phone or wireless service in your name.
• Counterfeit checks or debit cards, and drain your bank account.
• Open a bank account in your name and write bad checks on that account.
• File for bankruptcy under your name to avoid paying debts they’ve incurred, or to avoid eviction.
  Give your name to the police during an arrest. If they are released and don’t show up for their court date, an arrest warrant could be issued in your name.

If Your Identity’s Been Stolen
Even if you’ve been very careful about keeping your personal information to yourself, an identity thief can strike. If you suspect that your personal information has been used to commit fraud or theft, take the following four steps right away. Remember to follow up all calls in writing; send your letter by certified mail, return receipt requested, so you can document what the company received and when; and keep copies for your files.

1. Place a fraud alert on your credit reports and review your credit reports. Also place a fraud alert on your name and Social Security Number.
   Call the toll-free fraud number of anyone of the three major credit bureaus to place a fraud alert on your credit report.This can help prevent an identity thief from opening additional accounts in your name. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified to place fraud alerts on your credit report, and all three reports will be sent to you free of charge.
   
   Equifax — To report fraud, call:
   1-800-525-6285, and write: P.O. Box 740256, Atlanta, GA 30374
   
   Experian — To report fraud, call:
   1-888-EXPERIAN (397-3742), and write: P.O. Box 2002, Allen, TX 75013
   
   TransUnion — To report fraud, call:
   1-800-680-7289, and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
   
   Social Security Administration (fraud line):
   1-800-269-0271
   
   Once you receive your reports, review them carefully. Look for inquiries you didn’t initiate, accounts you didn’t open, and unexplained debts on your true accounts. You also should check that information such as your SSN, address(es), name or initial, and employers are correct. Inaccuracies in this information also may be due to typographical errors. Nevertheless, whether the inaccuracies are due to fraud or error, you should notify the credit bureau as soon as possible by telephone and in writing. You should continue to check your reports periodically, especially in the first year after you’ve discovered the theft, to make sure no new fraudulent activity has occurred. The automated “one-call” fraud alert process only works for the initial placement of your fraud alert. Orders for additional credit reports or renewals of your fraud alerts must be made separately at each of the three major credit bureaus.
2. Close any accounts that have been tampered with or opened fraudulently.
   Credit Accounts
   Credit accounts include all accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers.
   If you’re closing existing accounts and opening new ones, use new Personal Identification Numbers (PINs) and passwords.
   If there are fraudulent charges or debits, ask the company about the following forms for disputing those transactions:
   • For new unauthorized accounts or existing accounts, ask the representative to send you the company's fraud dispute forms.
   • If your ATM card has been lost, stolen or otherwise compromised, cancel the card as soon as you can. Get a new card with a new PIN.
   Checks
   If your checks have been stolen or misused, close the account and ask your bank to notify the appropriate check verification service. While no federal law limits your losses if someone steals your checks and forges your signature, state laws may protect you. Most states hold the bank responsible for losses from a forged check, but they also require you to take reasonable care of your account. For example, you may be held responsible for the forgery if you fail to notify the bank in a timely way that a check was lost or stolen. Contact your state banking or consumer protection agency for more information.
   You also should contact these major check verification companies. Ask that retailers who use their databases not accept your checks.
   
   TeleCheck — 1-800-710-9898 or 927-0188
   
   ChexSystems — 1-800-328-5121
   
   SCAN (1-800-262-7771) to find out if the identity thief has been passing bad checks in your name.
3. File a report with your local police or the police in the community where the identity theft took place.
   Keep a copy of the report. You may need it to validate your claims to creditors. If you can’t get a copy, at least get the report number.
4. File a complaint with the FTC.
   By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials track down identity thieves and stop them. The FTC also can refer victim complaints to other appropriate government agencies and companies for further action. The FTC enters the information you provide into their secure database.
   To file a complaint or to learn more about the FTC’s Privacy Policy, visit (www.ftc.gov/idtheft). If you don’t have access to the Internet, you can call the FTC’s Identity Theft Hotline: toll-free 1-877-IDTHEFT (438-4338); TDD: 202-326-2502; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

What is Phishing and Pharming?
The FBI has identified "Phishing" -- when criminals send fake e-mails requesting personal information -- as one of newest and most disturbing Internet scams.
Criminals send legitimate-looking e-mails that appear to come from well known sites like MSN, Yahoo and American Online with bogus requests for personal information like bank account information and credit card numbers. The messages often claim that billing information needs to be updated.
The FTC recommends the following steps to help avoid 'phishing' scams:

• Don't click on a link in an e-mail that warns your account will be shut down unless you reconfirm billing information. Contact the legitimate company using a phone number or Web address.
• Look for a padlock icon that signals a site is secure before e-mailing personal and financial information and be sure to regularly review your credit card and bank statements for unauthorized charges.

• The next time you order checks have only your initials (instead of first name) and last name printed on them. If someone takes your checkbook they will not know if you sign your checks with just your initials or your first name but your bank will know how you sign your checks.
• When you are writing checks to pay your credit card accounts, DO NOT write the complete account number on the "For" line. Instead, write just the last four numbers. The credit card company knows the rest of the number and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.
• Print your work phone number on your checks instead of your home phone.
• Never have your Social Security number printed on your checks. You can add it if it is necessary, but if you have it printed, anyone can get it.
• Do not carry your Social Security card in your wallet or allow it to be used as your driver's license number.
• Place the contents of your wallet on a photocopy machine and copy both sides of each license, credit card, etc. Keep the photocopy in a safe place. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.
• Carry a separate photocopy of your passport when you travel either here or abroad.
• Shred unused, pre-approved credit offers you receive in the mail. Also shred any discarded monthly statements.