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CoreFirst Bank & Trust

CoreFirst Bank & Trust is a U.S. bank offering personal and business banking, mortgage loans, savings accounts, and fraud protection tools.

Last updated September 15, 2026

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Overview

CoreFirst Bank & Trust is a bank that provides personal and business banking services, including checking accounts, mortgage loans, money market savings, business loans, and fraud protection tools. Originally chartered as Commerce State Bank on August 4, 1959, in Topeka, Kansas, it was founded with the involvement of Emery Fager, who became its President and Chief Executive Officer. The bank later adopted the CoreFirst Bank & Trust brand to support expansion. It currently has locations in Topeka, Olathe, Lenexa, and Denver.

History

CoreFirst Bank & Trust, originally Commerce State Bank, was chartered by the State Banking Department on August 4, 1959, and officially opened on December 3, 1959. It began as a dream of several Topeka businessmen who were developing a new shopping center and wanted to include a bank nearby. Emery Fager was persuaded to leave his position with the Kansas State Bank at Overbrook, Kansas, and came to Topeka as the Chief Executive Officer of the proposed Commerce State Bank. He accepted immediately. The bank opened with a capital stock of $200,000, a surplus of $100,000, and undivided profits of $50,000. Over the next five decades, Commerce built a list of customer service 'firsts,' including the region's first 24-hour ATMs, first grocery store branches, first extended and weekend hours, and a host of technological innovations. As demand for Commerce's service grew, leadership decided to expand, but growth was stymied because another area bank was already using the 'Commerce' name. The bank needed an expansion identity, and thus the CoreFirst Bank & Trust brand was born. Now, CoreFirst has locations in Topeka, Olathe, Lenexa, and Denver.

Products and positioning

A people-oriented bank emphasizing friendly, helpful, personal attention and customer service innovations.

  • Rewards Checking

    Checking account offering up to 4.44% APY when qualifications are met.

  • Freestyle Banking

    Personal banking service for managing money anytime, anywhere.

  • Mortgage Loans

    Mortgage loans for buying, upsizing, or downsizing a home.

  • Summit Money Market

    High-rate savings accounts.

  • Business Freestyle Business

    Business checking accounts with tailored options.

  • Business Loans

    Financing solutions tailored to business size, pace, and vision.

  • Fraud Tools

    Tools to protect businesses from fraud.

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