Mechanics Bank - 800-797-6324

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Using the "Take Me To" links

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Online Banking's "Take Me To" feature allows you to choose what online banking page you would like navigate to when you sign in. This allows added convenience for you - navigate to a specific area for faster service!

To use the "Take Me To" feature, enter your Access ID. Then from the drop down menu, choose your destination and click "Log In." Once you log in, you will be taken to your chosen page.

The default to the "Take Me To" feature is Account List, which is the Online Banking home page. Other options include: Express Transfer, Primary Account Summary, Stop Payments, User Options, Nicknames, Transaction Search, and Transaction Export.

Where do I enter my password?

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We are changing the way you sign in to Online Banking to better safeguard the privacy and security of your personal information. Previously, you signed in to Online Banking using your Access ID and Password. From now on, you'll also use your Enhanced Online Security feature, which consists of an authentication image and authentication pass phrase. Here's how this new service will work:

You'll enter your Access ID and click the Log In button.
On the next page, your authentication image will then be displayed. If you recognize your authentication image, you'll know you can safely enter your Password. If you don't recognize your authentication image and pass phrase when you log in, do not enter your password.
Your authentication image and pass phrase helps you know for sure that you are at the valid Mechanics Bank website.

NOTE: If you have not yet created your personalized authentication image and pass phrase with our Enhanced Online Security feature, you will be prompted to do so before you can sign in to Online Banking.

About Mechanics Bank

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INVESTOR RELATIONS

Special Announcements

2009 Earnings

Mechanics Bank 2009 Earnings Favorable in Challenging Economic Conditions.

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Interest Rates

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CERTIFICATES OF DEPOSIT (CD)
GUARANTEED RETURNS

5 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD

INTEREST RATE

$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties

11 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD

INTEREST RATE

$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties

30 Month CD
Limited Time Offer
ANNUAL PERCENTAGE YIELD

INTEREST RATE

$1,000 minimum deposit required
Good for IRA Rollovers.
Subject to early withdrawal penalties

Balance/Term	7 Month No early withdrawal penalty after first 7 days. Cannot exceed $100,000 principal.	9 Month No early withdrawal penalty after first 7 days.
SPECIAL CERTIFICATES OF DEPOSIT ACCOUNTS The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.
$1,000 - 4,999	N/A	N/A
$5,000 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 & over

Balance/Term	07 - 30 Days	31-89 Days	90 - 179 Days	180 - 364 Days
CUSTOM CERTIFICATE OF DEPOSIT ACCOUNTS The following Interest Rate comparisons show the Annual Percentage Yield followed by the Interest Rate for the term and balance of the deposit.
$1,000 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 & over

Balance/Term	12 - 23 Months	24 - 35 Months	36 - 59 Months	60 Months
$1,000 - 9,999
$10,000 - 49,999
$50,000 - 99,999
$100,000 & over

Balance	APY*	Interest Rate
PERSONAL MONEY MARKET PLUS
up to $9,999
$10,000- 24,999
$25,000- 49,999
$50,000- 99,999
$100,000- 249,999
$250,000 and over

Balance	APY*	Interest Rate
BUSINESS MONEY MARKET PLUS
up to $49,999
$50,000-99,999
$100,000-499,999
$500,000-999,999
$1,000,000-2,999,999
$3,000,000 & over

Balance	APY*	Interest Rate
PLATINUM MARKET RATE ACCOUNT $50,000.00 minimum opening deposit Other conditions apply
up to $49,999
$50,000- 99,999
$100,000- 249,999
$250,000- 499,999
$500,000- 999,999
$1,000,000 and over

Balance	APY*	Interest Rate
BUSINESS MARKET RATE ACCOUNT $100,000.00 minimum opening deposit Other conditions apply
up to $99,999
$100,000-499,999
$500,000-999,999
$1,000,000-2,999,999
$3,000,000-4,999,999
$5,000,000 & over

APY*	Interest Rate
INTEREST/CHECKLINK PLUS CHECKING

(This rate also applies to Legal Services Trust Funds)
*Annual Percentage Yield

Balance	APY*	Interest Rate
REPURCHASE SWEEP ACCOUNT
up to $99,999.99
$100,000-999,999.99
$1,000,000-2,999,999.99
$3,000,000-4,999,999.99
$5,000,000-9,999,999.99
$10,000,000 & Over

Balance	APY*	Interest Rate
PERSONAL SAVINGS AND PASSBOOK SAVINGS
up to $999
$1,000- 9,999
$10,000- 99,999
$100,000 & over

	APY*	Interest Rate
SAVINGS CLUB ACCOUNTS

Information Applicable to Certificates of Deposit, Time Deposit Open Accounts, Interest Checking, Money Market and Savings Accounts:

We use the daily balance method to calculate the interest on all of these deposits. This method applies a daily periodic rate to the compounded balance in your account each day. Interest is compounded daily and will be credited to your account at the time indicated in the Deposit Agreement & disclosure applicable to your account. For Certificates of Deposit, the method of crediting your interest is described in the receipt for time deposit. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Fees imposed when minimum balance or average daily balance requirements are not met will reduce earnings. Except for Fixed Rate Certificates of Deposit, at our discretion, we may change the interest rate on your account from time to time. Fixed Rate Certificates of deposit will automatically renew at maturity unless the Bank notifies you to the contrary shortly before the maturity. Except for CDs with a maturity of less than 30 days, you have a 10-calendar day grace period after maturity during which a withdrawal can be made without penalty; for accounts less than 30 days withdrawals must be made on the maturity date.

Penalty for Early Withdrawal:

Fixed Rate Certificates: We impose a penalty if you withdraw any of the principal before maturity. (Partial withdrawals are not permitted.) The penalty for 07-89 day accounts equals the amount of interest earned (whether paid or not) but not less than seven days interest on a full amount of the principal. The penalty for 90 - 364 day accounts equals 90 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 12 month - 35 month accounts equals 180 days simple interest (whether earned or not) on the full amount of the principal. The penalty for 36 month and longer accounts equals 365 days simple interest (whether earned or not) on the full amount of the principal.

Member FDIC

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