FAQ

This FAQ page provides answers to commonly asked questions about our services and processes. We’ve created it to offer clarity and transparency, and to help you quickly find the information you need. If you require additional details or have questions not addressed here, please contact us—we’re happy to assist.

Farewell to the penny: What do I need to know?

What’s changing with pennies?

The U.S. Department of the Treasury has ended the production of pennies. As existing supplies circulate, pennies may become less available over time.

Why was penny production ended?

The cost to produce a penny has exceeded its value for several years. Ending production helps reduce costs and reflects how currency usage continues to evolve.

Are pennies still legal tender?

Yes. Pennies remain legal tender and can still be used for transactions while they are in circulation.

How might this affect my banking transactions?

Due to lower availability, some transactions that require pennies may be impacted. Penny orders may not always be available, and processing times could vary.

Can I still get pennies at the bank?

We will continue to provide pennies when available. However, supply may vary, and we may not always be able to fulfill penny requests.

Will this affect my account balance or deposits?

No. Your account balances, deposits, and electronic transactions are not affected by these changes.

What about businesses that rely on cash?

We understand this change may take some adjustment. Our team is happy to discuss options and help business customers navigate cash-handling changes.

Who can I talk to if I have questions?

Please speak with a member of our branch team, or contact Treasury Management (treasury@commercial-bank.com) — we’re always happy to help and answer any questions you may have.

How do I open a new personal checking or savings account?

You can open an account online by clicking here. Make sure to have the required documentation ready to streamline your account opening process. Must be 18 years or older.

What documents do I need to open an account?

- Social Security Number

- U.S Driver’s License or U.S. State ID

- Must Be 18 Years or Older

- Opening Deposit

How do I enroll in personal online banking?

Click here to enroll in online banking today!

What can I do through mobile banking?

Manage Account Balances & Transfer Funds
Bill Pay – Pay All Your Bills Quickly & Securely From One Spot
View eStatements – Enroll & View Your Bank Account Statements
View Check Image
Order Checks
Update Your Contact Information
Place Stop Payments
Deposit Checks
Card Controls - Manage How Your Card Can Be Used. Click Here to Learn More.

What should I do if my debit card or ATM card is lost or stolen?

If your VISA^® Debit Card or ATM card is lost or stolen, please contact us at 1-800-547-8531 during our normal business hours. To report after hours, please call 1-800-236-2442.

What are Treasury Management services?

Treasury Management services are designed to help businesses streamline payments, manage liquidity, and protect against fraud. Some of our offerings include:

ACH Services – Efficient electronic payments and collections to streamline cash flow. Learn more!

Positive Pay – Enhanced fraud protection for your check and ACH transactions.
Merchant Services – Secure and flexible card-processing solutions to support your sales and payment acceptance needs. Learn more!
Remote Deposit Capture (RDC) – Convenient online check deposit capabilities, allowing faster access to funds without visiting a branch. Learn more!

Contact your local treasury representative, or give us a call at 1-800-547-8531, to find a solution for your business today.

How do I enroll in eStatements?

eStatements offer a quick, safe and easy way to access your banking information. All you need to do is log into online banking and enroll your accounts! Click here to learn more about eStatements.