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Have a question or comment? Send us a message and we will be in touch soon. For your protection, please do not share sensitive information here (account/card numbers, SSN, passwords, or PINs). For urgent concerns like fraud or a lost/stolen card, please call us right away. 1.800.521.2878

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Frequently Asked Questions

Online & Mobile Banking

I forgot my Online Banking Password. How do I reset it?

Click “Forgot Password?" on the Online Banking login screen or “Trouble Signing In?" if you are using our mobile app and follow the prompts to reset it. If you get stuck, contact us and we will help you get back in quickly.

I think I am locked out of my Online Banking Account. How do I unlock it

To protect your account, Online Banking may lock after 3 incorrect login attempts. Please call your local branch and our team will help unlock your access and get you back in quickly.

None of the phone numbers listed for the verification code are mine. How do I update my phone number?

This usually means the username entered isn’t matching your Online Banking profile. Please confirm your username and try again. If you’re using the correct username and still need to update your phone number, give us a call and our team will take care of it.

Loans

What do I need to get started on a Home Loan?

To initiate your mortgage application and allow us to provide a Loan Estimate, federal guidelines require six pieces of information:

Your name
Your Social Security number
Your stated income (verification is not required at this stage)
The property address
The estimated value of the property
The loan amount you wish to apply for

Once we receive this information, we are required to provide your Loan Estimate within three business days.

To help keep your application moving smoothly, we recommend bringing the following essentials when you meet with your lender:

A valid driver’s license or government-issued ID
Your Social Security card
Recent pay stubs, retirement statements, or Social Security benefit letters
Two years of employment history
Two years of tax returns (if applicable)
Two months of bank statements

Additional information may be requested as we continue reviewing your application.

Our lenders will guide you through each step, gathering what is needed along the way while keeping the process clear and straightforward.

Account & Security

"How do I place a stop payment?"

You can place a stop payment in two ways:

In a branch: Visit any location and we’ll have you sign a stop payment request.
In Online Banking: Log in and go to Account Management to submit a stop payment request.

"What is Western Commerce Bank's routing number?"

Our routing number is 112201085. This routing number is used for ACH transfers, direct deposit, bill payments and wire transfers.

"I think I am a Victim of Fraud. What should i do right now?"

If something looks suspicious, act fast:

Call us immediately so we can help secure your account and review recent activity. (Calling is the fastest option for urgent concerns.)
If it’s your debit card call 800-754-4128 to report it as lost/stolen and request the card be blocked right away.
If it’s Online/Mobile Banking change your password and stop using any device you do not trust. If you cannot log in, call us and we will help.
Review your recent transactions and make note of anything you do not recognize (merchant name, amount, date).
Monitor your credit and consider placing a fraud alert or credit freeze with the credit bureaus if you suspect identity theft.

If you believe money was sent (like a wire, ACH, or person-to-person transfer), call us immediately. Timing matters.