Help (FAQs)​​​​​

In the event that you forget your Comerica Web Banking PIN, you can regain access to the service by using a Hints feature that displays a list of questions that you would have previously answered. Once these questions are answered correctly, your access will be restored. If you prefer, you can also contact Customer Service at 888.444.9876 to have your PIN reset.

Overdraft protection is a service whereby checks are paid when adequate funds are not available in your checking account. The service automatically transfers available funds to your overdrawn account to cover the negative balance. The funds are transferred from a line of credit that you establish, or another account you designate.

There is a transfer fee, however with many Comerica accounts (for example, interest-bearing checking accounts), overdraft protection fees are waived. Contact a Comerica customer service representative for details on what arrangements are available.

You can order checks online, over the phone or at any of our banking centers.

Click here for instructions on ordering checks .

Minimize your risk by managing your personal information wisely and cautiously:

• Never provide personal information in response to an unsolicited request
• If you are unsure whether a contact is legitimate, contact the financial institution yourself
• Never give or send your password to anyone
• Review your online account activity regularly
• Change your password every 30 days
• Always log off from your online banking session
• Shut off/disconnect your computer from the Internet when not in use
• Don't download files sent to you by strangers or click on hyperlinks from people you don't know as they may capture your personal information from your computer
• Update virus protection
• Keep your browser current by installing updates and patches

Comerica offers a variety of checking account options to meet the diverse needs of our customers. We have accounts geared toward individuals, small business entrepreneurs, and large corporations. Check out our side-by-side comparisons to pick the type of account best suited for you and your needs.

You can visit the Vendor Supplier web page on Comerica.com. Click Here

We add value for our customers in the form of preeminent service, competitive pricing, and the dedication of a Foreign Exchange (FX) professional assigned to your company. With over 30 years in the foreign exchange market, Comerica has the expertise to help your company manage their foreign exchange transactions, risks, and develop a hedging strategy.

Comerica uses data encryption to protect your personal information. In addition to requiring an ID and password, Comerica will issue a VeriSign^® digital certificate for you to access functionality within Comerica eFX.

VeriSign is a registered trademark of VeriSign, Inc. or its affiliates or subsidiaries in the U.S. and other countries.

The most common products are forward contracts along with time window forward contracts, options, and zero cost range forwards.

A foreign exchange line is not required for spot trades if you have sufficient available funds in your Comerica account.

Yes. Comerica maintains foreign accounts in over 25 different currencies. Contact your foreign exchange sales associate for details.

With an approved foreign exchange line, an account at Comerica is not required.

Secure Sockets Layer (SSL) provides privacy for data flowing between the browser and Comerica’s server. Secure Sockets Layer is an open protocol for securing data communication across computer networks. It provides a secure channel for data transmission through encryption, which supports the transfer of digitally signed certificates and ensures that the data cannot be altered en route. For your protection, Comerica requires 128-bit encryption.

The question often arises that if everyone’s browser can automatically use Secure Sockets Layer, why can’t everyone with a browser view my information? This is because of public key, or dual key, cryptography. With dual key cryptography each browser installation and every server has a unique key. The browser uses this key to create a unique encryption code for each transmission and communicates this key only with the intended receiver or "server".

Encryption is the scrambling of information for transmissions back and forth between two points. This technology allows for secure transmittal along the Internet by encoding the data using a mathematical formula that scrambles the data. A key is then required to decode the transmitted data.

The preferred method of keeping your Internet transactions secure is to utilize the most recent version of a recommended web browser, which supports 128-bit encryption technology. Currently, the most recent version of Microsoft^® Internet Explorer^® is available for free and support this technology.

Microsoft and Internet Explorer are registered trademarks of Microsoft Corporation in the United States and other countries.

Comerica wants you to have an enjoyable and secure online banking experience. Software technology is changing every day and browser capabilities are expanding at a similar pace. We regularly search for new and better ways to make your online banking easier and more convenient. To keep pace with this ever-changing world of features, security enhancements and other additions, we suggest our customers use only the most current version of a recommended browser. Customers who do not upgrade to the most recent browser may not have access to all of the features offered by Comerica.

Comerica uses Internet technology, supported by the outside companies with which we work, to make online banking secure and to protect your personal information. We always require an ID and password to access your accounts. You can also help maintain the security of your banking information by following the suggestions in the Individual Security Enhancements section. (Click on the Security link in our footer.)

Identity theft occurs a number of ways, including when someone obtains your personal information (Social Security Number, credit card numbers, etc.) and then uses it to fraudulently apply for credit, make purchases, and/or withdraw money from your bank accounts, seriously jeopardizing both your financial health and your credit standing.

If an identity thief is opening credit accounts in your name, these accounts are likely to show up on your credit report. To find out, order a copy of your credit reports. Once you get your reports, review them carefully. Look for information from companies you haven’t contacted, accounts you didn’t open and debts on your accounts that you can’t account for. Check that information, like your Social Security Number, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed. Continue to check your credit reports periodically, especially for the first year after you discover the identity theft, to make sure no new fraudulent activity has occurred.

Visit the Federal Trade Commission (FTC) site at www.consumer.gov/idtheft for more information.

If the e-mail you receive is unsolicited and from a company with which you do no business, you should suspect it is a scam. If you receive an unsolicited e-mail from a company you do hold an account with, you should suspect it is a scam if it asks for personal information the company should already have on file. Legitimate companies should NEVER ask for personal data by e-mail.

If you are still not sure about the legitimacy of an e-mail, call the company at a phone number you know to be accurate.

Phishing emails are essentially dangerous spam. Spammers utilize a variety of techniques to gather email addresses—websites, newsgroups, guesswork, and list trading. These are the same methods used by phishers.

Many companies that have been spoofed have an email address to which you can send emails you receive. If you believe you’ve received a Comerica phishing email, forward the email to Comerica at fraud@infosecalerts.com.

Online banking is safe and effective way to manage your money; however, just as you would not share your financial information with a stranger who knocked at your front door, so should you be guarded when online. Treat unsolicited emails asking for information with extreme caution and do not click on links within emails.

Go to the Web address you know to be accurate and confirm that the sites you are viewing are secure—shown by a padlock in the bottom right corner or “https” at the beginning of the Web address. Also, make sure your computer’s security software is current and that you have downloaded the most recent updates.

Visit our Consumer Protection Resource Center's “Common Fraud Scams” section for helpful tips.

Comerica has always placed a high priority on protecting the personal information you provide us. We are proud of the trust our customers have placed in us for more than 150 years. Comerica collects and uses personal information for business purposes and our commitment is to continue to protect your right to privacy, even beyond the laws and regulations that protect you.

See Comerica’s Privacy Policy for more information.

Visit our Consumer Protection Resource Center's “Common Fraud Scams” section for helpful tips.

Act immediately. Contact your bank and the companies you deal with and make them aware of the problem as well. Check your bank and credit card statements and contact any of the credit reporting agencies such as Experian^{®​​​​​​​​​​​​​​​​​​​​​​​​}, Equifax^{®​​​​​​​​​​​​​​​​​​​​​​​​}, or Transunion^{®​​​​​​​​​​​​​​​​​​​​​​​​} if appropriate (visit the Notify Credit Agencies page for more information). Change all of your online user names and passwords associated with your personal accounts.

Experian is a registered trademark of Experian Information Solutions, Inc. or its affiliates.
Equifax is a registered trademark of Equifax, Inc.
TransUnion is a registered trademark of TransUnion LLC.

If you suspect that you are a victim of identity theft (e.g. you notice unauthorized transactions on your credit card or bank statements or responded to fraudulent e-mails), it is important to act as quickly as possible to minimize the damage to your finances and your credit standing. Contact your bank, credit card companies, and any of the three credit bureaus and make them aware of the problem. You only need to contact one of the three companies to place an alert. The credit bureau you call is required to contact the other two.

If you are a Comerica customer, take the following steps: Contact Comerica’s identity theft resources at 877.881.8955. This call will alert us of potential fraud and prompt us to close your account if needed.

Also as a service to our customers that have unfortunately become a victim of identity theft, we will provide exclusive access to the Identity Theft Assistance Center (ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​}). ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} is a cooperative initiative of the financial services industry that provides a free victim assistance service for customers of member companies.

ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} helps victims of identity theft by reducing the delay and frustration that consumers often experience as they restore their financial identity. First, the identity theft victim and the ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} member company resolve any issues at that company. Then ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} walks the consumer through his or her credit report to find suspicious activity, notifies the affected creditors, and places fraud alerts with the credit bureaus. In addition, ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} shares information with law enforcement and the Federal Trade Commission to help catch and convict the criminals responsible for identity theft. ITAC^{®​​​​​​​​​​​​​​​​​​​​​​​​} is part of an ongoing effort by the financial services industry to address and reduce the human and economic consequences of fraud and identity theft.

ITAC is a registered trademark of the Identity Theft Assistance Corporation.

The term phishing (FISH-ing) was coined because thieves are fishing for your personal financial information. They send out thousands of lures and hook only a few victims. The “ph” comes from a common hacking term.

Fraudsters send out phishing emails pretending to be legitimate sites including banks, government agencies, online auctions, etc. They are trying to obtain personal information so they can use it to their benefit.

Some phishing attacks use viruses and/or “Trojan Horses” to install programs called “key loggers” on your computer. These programs capture and send out any information that you type to the phisher, including credit card numbers, user names and passwords, Social Security Numbers, etc. If this happens, it’s likely you may not be aware of it until you notice unusual transactions on your account.

To minimize this risk you should:

1. Install and/or update anti-virus and personal firewall software,
2. Update all virus definitions and run a full scan,
3. If your system appears to have been compromised, repair it and then change your password again, since you may well have transmitted the new one to the hacker, and
4. Check your other accounts. The fraudsters may have helped themselves to many different accounts: PayPal, your email ISP, online bank accounts, online trading accounts, other e-commerce accounts and everything else for which you use online passwords.

Do not send any money. Report it to the Postal Service.

We need to secure your personal information to meet Federal and State requirements. Once you are enrolled, we use this information to verify account ownership to ensure secure online access to your data.

When you apply for online banking products and services, you provide personal information that is necessary for us to process your application. To ensure that your information remains confidential, it is sent to us in a "secure session".

The exchange of information over the Internet is encrypted. This means the information is scrambled in such a way that it cannot be read by anyone other than you and Comerica. This is accomplished by using the Secure Sockets Layer (SSL) protocol. Secure Sockets Layer protects your information through a browser like Netscape Navigator^® or Microsoft^® Internet Explorer^®, that supports 128-bit encryption. The browser actually does all the encryption and Secure Sockets Layer works for you, behind the scenes. You know it is working when you see the key or the lock (in the locked position) appear on your browser window.

If you’d like to learn more about Comerica’s security measures, click on the “Security” link located in the footer of each of our web pages.

Netscape Navigator is a trademark of Netscape Communications Corporation.
Microsoft and Internet Explorer are registered trademarks of Microsoft Corporation in the United States and other countries.

Please allow us 3 business days to process your information. When the approval process is complete, we will send you a New Account Kit containing:

• A Welcome Letter with instructions
• Account signature cards
• A Personal Services and Charges brochure
• A Deposit Account Contract

You’ll need to review the contents of the package, sign both copies of the signature cards, and then obtain a copy of the Driver’s License / State ID for all signers on the account. We’ll provide you with a return envelope so you can send us:

• A check or money order for the opening deposit (if you choose this method for initial deposit)
• The completed signature cards
• Copies of identification


After we process the account documentation, we’ll send you a written confirmation that the checking account is opened.

You may make an opening deposit by:

• Sending us a check or money order (as described in your New Account Kit that we’ll be forwarding you)
• Making an electronic transfer from any of your other Comerica bank accounts
• Direct deposit (from your place of employment), or by
• Visiting one of our convenient banking center locations
Direct Deposit Services

Switch Kit

There’s no need to worry. Stop by a local banking center, or call one of our customer service representatives for assistance. We will be happy to help you.

Once we receive your signature cards and identification copies, it may be an additional 2 or 3 business days before you’ll receive an acknowledgement that the account is officially opened.

Check out our Help Center. Or, contact a customer service representative for further assistance. We will be happy to help you.

About Comerica provides at-a-glance information, such as subsidiaries and units, financial highlights, history and more.

From our Newsroom, you can find general, financial, Technology & Life Sciences and Economics specific news releases.

High-resolution photos of Comerica senior executives and other images are available in the Newsroom

Links to executive biographies can be found on our Management Council page. You may also want to search the press releases in our Newsroom for information about any recently appointed executives.

For inquiries of a corporate nature or Michigan-specific inquiries, please see the Press Contacts in our Newsroom.

Comerica uses PR Newswire^®.

PR Newswire is a registered trademark of PR Newswire Association, Inc.

Visit our Newsroom to sign up for news alerts on a variety of topics.

Investor relations information, including Comerica's stock price, financial releases and reports, analyst coverage and more can be found in Investor Relations found in About Comerica.

Comerica Park is the official home of the Detroit Tigers Major League Baseball team. The name of the park reflects Comerica’s hometown pride and commitment to investing in its community. Comerica, along with the Tigers, are linked by a long-term agreement. "We see this as a great opportunity to associate the Comerica name with the hallowed traditions of baseball and the Detroit Tigers," said Gene Miller, former chairman of Comerica. "The message is clear: Detroit is a great long-term investment."

Establish a direct deposit of your benefit payment to your checking or savings account. The payment will automatically be deposited into your account on the payment date.

Print the Agreement for Direct Deposit of Pension Benefit form (if you do not have access to a printer, you may also have the form mailed to you by calling 1.800.647.3674), fill out section 1 and take the form to your financial institution to fill out section 2. Fax or mail the completed form to Comerica.

View pension forms here.

For any questions regarding your future benefit payments, you should contact your company's pension administrator.

For any questions regarding your future benefit payments, you should contact your company’s pension administrator.

Call 1.800.647.3674 and a Comerica representative will assist you.

Call 1.800.647.3674 and a Comerica representative will assist you.

Fill out the Pension Change of Address form online, print the form (if you do not have access to a printer, you may also have the form mailed to you by calling 1.800.647.3674), sign the form, and mail or fax it back to Comerica.

Display Pension Change of Address form

Fill out the appropriate tax form online and then print a copy. Sign the form and mail it to Comerica. Please note that we have only included the state of Michigan ’s State Tax Withholding Election Form. To obtain a form for any other state or if you do not have access to a printer, call 1.800.647.3674 and a Comerica representative will assist you.

Change Federal Withholding - http://www.irs.gov/pub/irs-pdf/fw4p.pdf

Change Michigan Withholding - http://www.michigan.gov/documents/mw4f_76761_7.pdf

All 1099s and W2s will be in the mail no later than January 31st. All 1042s will be in the mail no later than March 15th.

Fill out the Prior Year’s Tax Form Re-print Request online. When the request is submitted, it will automatically be received in the Pension Services Department for processing.

View pension forms here.

Comerica Bank
Pension Services, MC 3434
P.O. Box 75000
Detroit, MI 48275-3434
Fax Number 1.313.222.9008

1) Call the Comerica Pension Services Department Call Center at 1.800.647.3674. Office hours are from 8:00 a.m. to 5:00 p.m. ET.

2) Send correspondence to Comerica’s Pension Services Department by U.S. Mail to the address indicated in the previous question.

3) Send correspondence to Comerica’s Pension Services Department by clicking the Contact Pension Services link below or from the Pension Forms page of this web site.

Contact Pension Services

From the left side of the homepage, select Comerica Web Banking from the Login to Your Account dropdown (in the dark blue section) and click Go.

Comerica Web Banking is free.

Operating System

• Minimum: Windows^® 98 or Macintosh OS^® 10.4.11
• Recommended: Windows^® XP+ or Macintosh OS^® 10.5 Leopard^®

Browser

• Minimum: Internet Explorer 6.0
• Recommended: Internet Explorer 7.0 or Safari 3.0 (for Mac ^® computer users)

Windows and Internet Explorer are registered trademarks of Microsoft Corporation in the United States and other countries.
Macintosh, Mac, Mac OS, Safari and Leopard are trademarks of Apple Inc., registered in the U.S. and other countries.

Checking Your Browser Version (Windows versions):

• Click on the Help menu in your browser's menu bar
• Click on the "About" menu item for Internet Explorer
• When the next window opens, find the version identifier (e.g., Internet Explorer 5.5)

Macintosh^®​​​​​​​​​​​​​​​​​​​​​​​​​ Computer Browsers:
Comerica sites are not specifically designed to support Macintosh^® browsers and we do not guarantee that web pages will be optimally rendered on Mac^®computer browsers. However, any browsers that support 128-bit encryption, either for Mac^® computer or PC, are acceptable for use.

Go to your specific browser’s download site for upgrade information.

From the Comerica Web Banking website, click on the First time logging in to Comerica Web Banking text link. The link will take you to the first Setup page to verify account ownership, then establish your new User ID and password.

Once your User ID and password are established at setup they can be changed whenever you wish by clicking the Self Service tab and selecting Change My Password/User ID option.

The last 6 months of history is available to view on Comerica Web Banking. The last 30 days will be the default display.

The transactions listed in the Pending Transactions section have been received by the bank, but have not posted to your account yet. Examples include direct deposits, electronic bill payments, and Visa^® Check transactions. Transactions listed in the Posted Transactions section have been posted to your account.

Visa is a registered trademark of Visa International Service Association.

Yes. Go to the Account History page and click the check icon that displays in the description field. An image of the front and back of the item will display in a separate window. Deposit slip images aren't available for Statement Savings accounts or any deposits made through an ATM or lockbox.

No, only the actual deposit slip can be viewed.

Click the browser print button to print the image.

No, this functionality is not available.

Funds Transfer cutoffs are as follows:

• Transfers completed before 10:30 p.m. ET (12:00 a.m. ET for California customers) on a business day will post that same business day.
• Transfers completed after 10:30 p.m. ET (12:00 a.m. ET for California customers) on a business day will post the following business day.
• Transfers done on a non-business day will post the following business day.
• Transfers will display immediately in your Pending Transactions.
• Transfers will be immediately available via the ATM.

Click the Self Service tab, then click Add Accounts to add additional Comerica accounts to Comerica Web Banking. Eligible accounts are Checking, Savings, MMIA/BMMA, CD, IRA and Home Equity Flexline (HELOC) accounts.

You may expect a response within 2-3 business days.

Yes, you will be able to download account history to Quicken^® (version 2002 or higher), and Microsoft^® Excel^®.

Quicken is a trademark of Intuit, Inc., registered in the United States and other countries.
Microsoft and Excel are registered trademarks of Microsoft Corporation in the United States and/or other countries.

Comerica Web Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check:

• Pay anyone! Add any person or company in the United States as a payee, and then make payments to those payees at your convenience. The only payments you can't make through this service are court-ordered payments and state and federal tax payments.
• Receive and pay e-bills online. Many payees can send you electronic bills (e-bills) through Comerica Web Bill Pay.
• Schedule repeating payments. Automatically make repeating payments, such as your mortgage payment or your rent, at the frequency you choose

Make payments on the Internet with a secure and reliable system. Comerica Web Bill Pay uses SSL (Secure Sockets Layer), which ensures that your connections and information are secure from outside inspection. Comerica Web Bill Pay also uses 128-bit encryption (to make your information unreadable as it passes through the Internet).

Comerica Web Bill Pay^®

There is no monthly fee for Comerica Web Bill Pay for Comerica Platinum Circle Checking^®Rich Rewards^® Checking, and Premier Checking package accounts. In addition, there is no monthly fee for Access Checking customers with direct deposit. Access Checking customers without direct deposit, receive the first 12 months of Comerica Web Bill Pay for no monthly service charge. After 12 months, Comerica Web Bill Pay is just $6.95 per month.

Comerica Web Bill Pay^®

Comerica Web Bill Pay consists of two basic steps:

• Set up your payees
• Schedule payments


When you first begin, set up your biller list (billers to whom you want to make payments). Some billers can also send e-bills. All of your billers are listed on the Pay Bills Tab, where you can quickly schedule payments.

When you make a payment, you specify the date that you want the biller to receive the payment. Bills can be scheduled for payment within 1 to 4 days, depending on the biller. Comerica Web Bill Pay determines whether a payment is sent electronically or by check, based on whether the biller accepts electronic payments and other guidelines.

After a payment is scheduled, it appears in Pending Payments. After the payment is processed, it will appear in Recent Payments. The biller receives your payment on the payment date you specified and credits your account.

Service cancellation requires a personal call. Refer to the Contact Us page for appropriate contact information.

Before you cancel your service, note the following:

• Scheduled payments, including repeating payments, are not paid.
• Processing payments are paid.
• Wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel.
• Your payees are notified to stop sending e-bills. Processing may take a few days; so until you begin receiving paper bills, please contact the payee directly about your payment amount and payment due date.
• After canceling your service, make all payments manually (via check by mail or other means)

If you decide to use Comerica Web Bill Pay again, you will have to re-enroll and set up your payee list.

Comerica Web Bill Pay uses several methods to ensure that your information is secure:

SSL: Comerica Web Bill Pay uses SSL (Secure Sockets Layer), which ensures that your connection and information are secure from outside inspection.

Encryption: Comerica Web Bill Pay uses 128-bit encryption to make your information unreadable as it passes over the Internet.

Automatic Sign Out: In addition, Comerica Web Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually ten minutes). It is best if you sign out immediately after you are finished scheduling and making payments.

Yes. Additionally, applicants in any of the 50 states can open an account

Retail Deposits which include Fixed Rate CDs are available to be opened online. Product offers may change at any time.

You could complete an application and initiate the funding for your new account(s) in less than 10 minutes.

Applicants will need a Social Security or Tax ID Number; Driver’s License or ID card issued by a state DMV; information about any loans or mortgages that you may have to help us confirm your identity; for instant funding, you will need your current bank account and routing numbers; if applying for a joint account, you will need the Secondary Applicant’s name, Social Security or Tax ID Number, and Date of Birth.

You will also need a printer to print a signature card later in the application process. It is also advisable to print your Applicant ID Number when you receive it and to print a copy of your completed application.

Adobe^® Reader^® Version 5 or above required.

If you are in a public place, do not engage in account opening online.

Adobe, Acrobat, and Reader, are either registered trademarks or trademarks of Adobe Systems Incorporated in the United States and/or other countries.

Yes. Simply save your application and document your Applicant ID Number so that you may log on at a later time by visiting applyonline.comerica.com and selecting “I would like to sign in to an existing application that either I or my co-applicant has already started.”

Applicants can either fund their new account through an electronic funds transfer (ACH) or a paper check. If the applicant uses electronic funding, an electronic funds transfer is used to debit their funding bank account after the account is validated through the system.

Yes.The minimum opening deposit requirements are as follows:

• Money Market Investment Account: $50
• CDs: $1000.

The interest rate and APY will be based upon the day your account is funded.

Comerica Customer Service is happy to assist with any questions. They can be reached at 800.501.9652.

Comerica Bank
Mailcode 2325
PO Box 75000
Detroit MI 48275