External Link Disclosure

By accessing this link, you will be leaving Mechanics Bank's website and entering a website hosted by another party. Mechanics Bank has no responsibility for or control over the content of that web site and does not attest to the accuracy, privacy, security, or propriety of any information located there. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Mechanics Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Mechanics Bank.

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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.
 
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Personal Checking

PERSONAL CHECKING ACCOUNT COMPARISON
Checking Accounts: Ideal for: Minimum Opening Deposit: ATM Fee Refunds:1 Earns Interest: Monthly Service Fee: Learn More:
Checking with Benefits $100 Unlimited1 No

No monthly service charge with any ONE of the following:

  • Monthly direct deposit to your Smart & Easy account
  • At least 5 Online Banking bill payments per month
  • Automatic monthly payments from your Smart & Easy Checking account to a Mechanics Bank loan
  • $1,000 minimum daily balance, or $1,500 average monthly balance in your Smart & Easy Checking account
  • $5,000 combined balances2 in all Mechanics Bank deposit accounts

Monthly Service Fee:
$10 when one of the above criteria is not met

Students
Ages 15 - 17

$100 2 per month1 No No monthly service fee
Seniors Age 55 + $100 Unlimited with Direct Deposit1 No No monthly service fee
High Balances Holders $500 Unlimited1 Yes

Check Interest Rates

No monthly service charge with any ONE of the following:

  • $2,000 minimum daily checking balance
  • $4,000 average monthly checking balance
  • $10,000 combined deposit balances2

Monthly Service Fee:
$12 when one of the above criteria is not met
High Balances & Discounted Services $500 Unlimited1 Yes

Check Interest Rates 		No monthly service charge with any ONE of the following:
  • $10,000 minimum daily checking balance
  • $15,000 average monthly checking balance
  • $15,000 combined deposit balances2
  • $25,000 combined deposit2/ outstanding personal loan balances

Monthly Service Fee:
$20 when one of the above criteria is not met
Simple, low cost checking
 $100
 Not Available
 No
 $5 monthly service charge

With all Mechanics Bank checking accounts, you enjoy:

1Excludes reimbursements from ATMs located in gaming establishments.

2Combined balances shall be defined as follows: When used for service charge purposes, "combined deposit balances" means the average monthly balance of the primary checking account, together with the combined current balances (determined on the statement date of the primary checking account) in all other deposit accounts.