Many people stay with the same bank for years, not because they love it, but because switching sounds complicated. New account numbers, forgotten subscriptions, a stack of paperwork nobody wants to deal with — it's enough to make anyone put it off.
The good news is that moving your banking to Commercial Trust really does come down to four simple steps. And you won't be doing any of it alone. Our team is with you from the moment you open your new account to the moment you close your old one.
How to Make the Switch
1. Open your new account. Choose the checking or savings account that fits you — like our Mascot Interest Checking, Standard Checking, or Regular Savings — and we'll get your debit card ordered and set you up with online and mobile banking, including mobile deposit. Rather skip the trip in to get started? You can begin your account online and we'll have everything ready when you stop by or reach out to finish up.
2. Update your direct deposits. Let us know who pays you — your employer, Social Security, your retirement plan — and we'll give you the exact account details you need to update it. Most changes take effect within a single pay cycle.
3. Move your automatic payments. Check your last couple of bank statements for anything on autopay, like utilities, insurance, your mortgage, or streaming subscriptions, and update each one with your new account information.
4. Move your money and close your old account. Once your new account is up and running, transfer your remaining balance and close out your old account. There's no need to wait it out — most people wrap up the entire switch in about a week.
Don't Forget About Your Loans!
Already have a car loan, mortgage, or business loan somewhere else? Switching it to Commercial Trust is just as easy — bring in your most recent statement, and we'll take care of the rest. Thinking about a new loan instead? Start your application online, and a local loan officer will follow up to talk through your options.
Why Bank With Us?
Commercial Trust has been family owned and serving Howard County since 1903, and we've earned more than 220 Google reviews from customers throughout Mid-Missouri. Whether you'd rather get started online or stop in and talk it through in person, we've made it easy to bank on your own schedule.
We're Here to Help!
If you have any questions about switching your banking or need help along the way, stop by one of our branches or give us a call at 660-248-2222. We're always happy to help make banking easier, whether you're just getting started or ready to make the move.