Winter Park Downtown Park Ave
Security & Fraud Protection

Your money deserves better protection than a password

Advanced protection from your Winter Park community bank. Multi-factor authentication, fraud monitoring and account protection across all your banking.

Security is not exactly the most exciting topic. But when it is your hard-earned money and personal information on the line, it matters. A lot.

At Commerce Bank & Trust, we have spent years building security systems that actually work. The kind that stop threats before they reach you, without making banking feel like you are breaking into Fort Knox every time you want to check your balance.

Why Passwords Are Not Enough

If you are only using a password, you are vulnerable

Cybercriminals are sophisticated, relentless and they’ve gotten really good at what they do. That’s why we’ve layered multiple security measures that work together to protect you:

Encryption

Encryption helps protect your sensitive information as it travels between your device and our banking systems.

Multi-Factor Authentication

Your password isn’t the only checkpoint. We use additional verification to help confirm it’s really you, including out-of-band authentication through a separate communication channel.

Fraud Monitoring

Our systems monitor for unusual activity to help identify potential fraud.

Account Alerts You Control

Our systems monitor for unusual activity to help identify potential fraud.

Banking that fits your busy lifestyle

Whether you are checking your balance at 2am, depositing a check during your lunch break or managing payroll from your office, you are protected by the exact same security we would use if you walked into our Winter Park branch.

Every login. Every transaction. Every single time.

Why Passwords Are Not Enough

Total peace of mind

Mobile banking should make life easier, not scarier. With our app you can do all of it from wherever you are, with bank-level security protecting every tap and swipe.

  • Check balances
  • Deposit checks with your camera
  • Pay bills
  • Move money between accounts
  • Keep tabs on everything

The Commerce Bank & Trust Difference

Local does not mean limited

As a community bank, we believe banking should feel personal. You are never just an account number to us – you are our neighbor. We live and work in Winter Park, and we are committed to supporting the community we share. 

But do not mistake local for limited. We invest in the same leading-edge security technology the big national banks use, because your safety is not something we cut corners on.

Got a question about something suspicious in your account? You can actually call and talk to a real person who knows your name. No phone trees. No getting bounced between departments. Just straight answers from people who care.

Every login. Every transaction. Every single time.

Staying Ahead

We will help you spot the scams

Our Commitment to You

Your trust is not something we take lightly

Cybercriminals are not the bumbling hackers from nineties movies any more. They are sophisticated, relentless and they have gotten really good at what they do. That is why we have layered multiple security measures that work together to protect you.

We are committed to exceeding your expectations through

Local, relationship-based decisions

The people who approve your loan are the people you can walk in and talk to.

Technology that respects your time

Advanced banking tools that keep your money safe and your day moving.

Personalized, responsive service

Concierge service from people who genuinely care how it turns out.

Deep investment in Central Florida

Not just as a market, but as home.

Because protecting your financial future is not just about firewalls and encryption. It is about the relationship we have with you: our neighbors, our friends and the people who make Winter Park home.

See something that does not look right? Call a person, not a phone tree.