A Bank That Knows Your Name.
At Commerce Bank & Trust, we do things differently. We're locally owned, Central Florida-rooted and built around one idea: the kind of banking that quietly works in your favor.
What can you get from a local Winter Park bank?
Flexible solutions personalized to your life and your business. With local decision-making, long-term relationships and the kind of service that makes you feel like you matter. Because you do.
Personal Banking
Your checking, savings, loans and online tools all in one place. Take control of your finances with accounts built for real life and a team that helps you plan for what's next.
Learn MoreBusiness Banking
We built our business banking around yours. Deposits, loans, payments and cash management streamlined so you spend less time at the bank and more time running what you've built.
Learn MoreDigital Banking
Balance checks, transfers, bill pay and loan payments. Handle it all from your laptop or your couch. Our secure online and mobile platform puts you in charge, on your schedule.
Log InLoans
Loans built around your goals, managed by local hands. Whether you’re buying a home, utilizing equity, or expanding your Winter Park business, our local lenders make decisions right here in Central Florida, giving you the fast answers, flexible terms, and direct human support you deserve.
Learn MoreCDs & IRAs
Grow your savings the smart, steady way. Our FDIC-insured CDs and IRAs offer fixed rates and guaranteed returns, so your money keeps working even when you're not thinking about it.
Learn MoreRates
See our latest CD rates. Competitive, current and transparent. Because you deserve to know exactly what your money can earn, with no fine-print surprises.
Learn MoreFDIC Insurance
Coverage beyond standard FDIC limits through CDARS and ICS networks. Spread deposits across multiple insured institutions while keeping one local relationship.
Learn MoreMobile Banking
Deposit checks. Pay bills. Check balances. Transfer funds. Our mobile app is fast, secure and built to respect your time, whether you've got 2 minutes or 2 seconds.
Download App
Visit Our Branch
We're right here when you need us.
Opening a new account? Growing your business? We bring together modern digital tools and the kind of face-to-face service that can be hard to find anywhere else.
Stop by our Winter Park bank office or give us a call. We answer.
Winter Park, FL 32789
Fri 9:00 AM – 5:00 PM
24-Hour ATM
Visit Our Branch
Together, we are the heartbeat of Winter Park.
We’re not a megabank with a call center overseas. We’re a locally owned Winter Park bank that’s invested in Central Florida and in the people who live and work here.
Responsive service. Secure technology. And people who pick up the phone. Meet the team and learn what sets us apart.
See what our customers have to say.
I have been a customer of Commerce Bank & Trust for over 6 years, and what consistently sets them apart is their outstanding commitment to customer service. When doing usual transactions, the employees help you simplify the task in the most secure and direct way. It is the community culture of Commerce Bank that shines through in all interactions, best in the area, bar none.
Commerce Bank and Trust in Winter Park, FL, has truly exceeded my expectations with their exceptional customer service and unwavering dedication to the community. The staff at CBT goes above and beyond to make every interaction a positive and memorable experience.
Tools and information to help you bank smarter.
Our Winter Park Story
Locally owned, locally decided, serving Winter Park families and businesses since 1986.
Banking In The Palm Of Your Hand
Download the CB&T mobile app to deposit checks, pay bills, transfer funds and view statements anywhere.
Estimate Your Loan Payment
Use our free loan calculator to estimate monthly payments on home, personal or commercial loans before you apply.