Business Online Banking Help & Resource Center

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To register for Business Online Banking and/or Business Online Bill Pay, please stop by a local branch or call us for more information at 800.797.6324

 

System & browser requirements

Business Online Banking

Certified operating systems:
  • Microsoft Windows Vista – 32 bit (Business)
  • Microsoft Windows 7 or newer
  • Mac OS 10.7 or newer 

Minimum screen resolution: 1024 x 768 pixels (recommended)

Adobe Flash Player: Version 9 or higher (recommended for clients who do not use one-time pin security tokens)

Adobe Acrobat Reader: Version 9 or higher

Certified browsers:
  • Microsoft Internet Explorer 9 or newer
  • Mozilla Firefox (Current Version) 
  • Google Chrome (Current Version)
  • Apple Safari 6 (Mac OS only) or newer

You can test your current browser’s Business Online Banking compatibility here: Browser Compatibility Check

To prevent service disruption, please verify the browser is compatible with our system(s) before upgrading to a newer version.

* May require to run in “compatibility mode”

Cookies: Cookies are required for clients who do not use one-time pin security tokens.

  • Session = Enabled
  • Permanent = Enabled

JavaScript: Enabled

Mobile devices
  • Mobile web browsers: While certain mobile devices and mobile web browsers may provide access to Business Online Banking, they have not been certified to work with all of its features.
  • Mobile applications: Currently not available

Business Bill Pay

Certified operating systems:
  • Microsoft Windows 7 – 32 bit (all editions)
  • Microsoft Windows Vista – 32 bit (Business)
  • Microsoft Windows XP – 32 bit (Professional Edition)
  • Mac OS

Adobe Flash Player: Version 9 or higher

Adobe Acrobat Reader: Version 9 or higher

Certified browsers (must support SSL 2.0):

  • Microsoft Internet Explorer 7 or higher*
  • Mozilla Firefox 3.5 or higher
  • Apple Safari 5 or higher
  • Google Chrome

You can test your current browser's Business Bill Pay compatibility here:
Compatibility Check

* May require to run in “compatibility mode”

Pop-up windows: Enabled

It is strongly recommended that you enable the use of pop-ups while using Business Bill Pay. While pop-up windows on other websites are often used to display advertisements, and could contain malware, the pop-up functionality within your Business Bill Pay session will feature important information.

Cookies: Enabled

JavaScript: Enabled

Mobile devices
  • Mobile web browsers: While certain mobile devices and mobile web browsers may provide access to Business Bill Pay, they have not been certified to work with all of its features.
  • Mobile applications: Currently not available

Business Remote Deposit

Certified operating systems:
  • Microsoft Windows 7 Professional
    • Processor speed: 1 GHz 32-bit
    • RAM: 2 GB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 8 or 9
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls
  • Microsoft Windows XP (with Service pack 3)
    • Processor speed: 600 GHz 32-bit
    • RAM: 512 MB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 7 or higher
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls
  • Microsoft Windows Vista (Business Edition)
    • Processor speed: 1 GHz 32-bit (x86)
    • RAM: 2 GB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 7 or higher
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls
Hardware requirements

A certified scanner device is required for this service. Supported scanners include:

  • Panini
  • SB-1000
  • Digital Check
  • RDC 7000
  • Magtek Excella
  • Magtek STX
Mobile devices
  • Mobile web browsers: Not supported
  • Mobile applications: Currently not available

Lock box service

Certified browsers (must support SSL 2.0):

  • Microsoft Internet Explorer 6, 7, 8, 9*, 10*
  • Mozilla Firefox 3.5 or higher
  • Apple Safari 4 or higher
  • Google Chrome

* Required to run in “compatibility mode”

Browsers that fall outside these specifications may not be blocked, but users may see a message at the login page that states their browser may not be 100% compatible. In this case, users may still be able to login and use the lock box system regardless of the incompatibility message.

You can test your current browser's compatibility here: Browser Compatibility Check

To prevent service disruption, please verify the browser is compatible with our system(s) before upgrading to a newer version.

Mobile devices
  • Mobile web browsers:While certain mobile devices and mobile web browsers may provide access to lock box service, they have not been certified to work with all of its features.
  • Mobile applications: Currently not available

Positive Pay, ACH Positive Pay and Account Reconciliation

Minimum screen resolution:
  • 800 x 600 is supported, but not recommended
  • 1024 X 768 pixels (recommended)
Certified browsers:
  • Microsoft Internet Explorer 6 or higher

Browsers that fall outside this specification are not blocked, but some features such as the "helper text" that displays when hovering over active icons may not be enabled. In this case, the user may still be able to login and use the Positive Pay system, but may not benefit from all the features.

You can test your current browser's compatibility here: Browser Compatibility Check

To prevent service disruption, please verify the browser is compatible with our system(s) before upgrading to a newer version. 

Mobile devices
  • Mobile web browsers: While certain mobile devices and mobile web browsers may provide access to the Positive Pay service, they have not been certified to work with all of its features.
  • Mobile applications:  Currently not available

Videos demos

View the videos and demos below to see how Mechanics Bank makes business banking online easier and more convenient than ever before.

 

Business Online Banking Video Overview
Business Online Banking Test Drive
Business Online Banking Bill Pay Demonstration
Business Online Banking Security Video
Remote Deposit Capture Video Overview
Remote Deposit Capture Test Drive
Business Mobile Banking Video Overview

 

ACH Services

Automated Clearing House (ACH) Origination Service

ACH is a secure electronic payment method widely used by companies to remit Payables or collect Receivables.  It is commonly used for direct deposit of payroll, vendor payments, tax payments and the collection of payments due from your clients or members.

Key features:

  • Establish repetitive ACH templates, simplifying future transfers
  • Saves the time and cost of issuing and distributing checks
  • Reduces fraud exposure by reducing check activity
  • Generate detailed reports of ACH origination history
  • Enhanced security with multiple user access and approval levels
  • Immediate availability of funds for the beneficiary on the designated settlement date
  • Ability to upload ACH files created from your accounting software

Electronic Data Interchange (EDI)

EDI enables fast accurate and reliable exchange of data between companies and replaces the usage of faxing and mailing of paper documents.  The EDI service passes invoice and payment data through the ACH network, streamlining your accounting and receivable and payable functions.  EDI can include data such as the sending party's name, invoices, purchase order number or other reference information that identifies the purpose or breakdown of the payment.

Key features:

  • Decreases costs by reducing clerical work and less paper usage
  • Increases efficiency by automating paper-based tasks
  • Reduction of data entry errors
  • Improves processing time of accounts receivable receipts
  • Same day confirmation of payment details
  • View and download EDI reports conveniently through Business Online Banking

For more information about these Cash Management services, please contact us at 800.272.1876

Wire transfers

Online Wire Service

Online Wires is an effective payment method that ensures timely delivery of funds to a beneficiary's bank account for the immediate use.

Key features:

  • Initiate domestic and foreign wires in USD from the convenience of your office
  • Create repetitive wire templates, simplifying future transfers
  • Enhanced security with multiple user access & approval levels
  • Same day processing for wires initiated by established cut off times
  • Ability to consolidate a large volume of wire requests in a single batch
  • Online reporting available for incoming wire transfers

For more information about these Cash Management services, please contact us at 800.272.1876

Processing deadlines

Processing deadlines
Online Internal Transfers 6 pm (Pacific Time)
Business Bill Pay 2 pm (Pacific Time)
Online Wire Origination 2:45 pm (Pacific Time)
Online FX Wire Origination 1:30 pm (Pacific Time)
Online ACH Origination 5 pm (Pacific Time)
Merchant Deposit 6:30 pm (Pacific Time)
Business Mobile Deposit 4 pm (Pacific Time)
Positive Pay (TAS) Exception Review 6 am – 12 pm (Pacific Time)
Positive Pay (SAND) Exception Review 9 am – 12 pm (Pacific Time)

Lock box services

Lock Box Services

Accelerate funds availability, simplify remittance processing and turn receivables into faster cash, with Mechanics Bank Lock Box Services. Consider our Lock Box service an extension of your office for remittance processing that's quick, economical and convenient.

Key features:

  • A designated P.O. Box is assigned for your payments
  • Customized processing of checks, invoices and remittance details, to meet your specifications
  • Speeds up processing time of your payments, providing quicker access to your funds
  • Generate detailed reports of ACH origination history
  • Streamlines receivables processing, decreases costs and frees your staff to work on more profitable activities
  • Online images and report viewing, transaction history, and data file downloading available

For more information about these Cash Management services, please contact us at 800.272.1876

Positive Pay

Positive Pay Service (Check & ACH)

Check fraud in the United States continues to increase by millions of dollars.  Our Positive Pay service helps minimize the risk and exposure of fraudulent checks and unauthorized ACH items.

Key features:

  • Detects suspicious check and ACH activity and reduces the risk of financial loss
  • Online review and decision-making of unmatched exception items
  • Daily exception item email notifications
  • Conveniently upload multiple issued checks in a bulk file or manually enter checks individually
  • Create and manage filters online for approved incoming ACH transactions
  • Extract item reporting in multiple file formats
  • Automates and simplifies account reconciliation

For more information about these Cash Management services, please contact us at 800.272.1876

Quicken® & QuickBooks®

When you purchase a Quicken or QuickBooks product, the ability to use online services (like downloading your transactions and balances, online Bill Pay, and live support) are available for the current software version and the two (2) prior years’ versions.

Quicken or QuickBooks users have two options to retrieve Mechanics Bank account data:

1. Export transactions from your Online Banking session in the file formats below, and import into your Quicken or Quickbooks program:

  • Excel (.csv)
  • OFX
  • Quicken (.qfx)
  • QuickBooks (.qbo)

2. Connect to your Mechanics Bank account(s) from within your Quicken or QuickBooks program using Quicken’s Direct Connect

  • Express Web Connect (also known as Quicken Connect for Mac users)
  • Direct Connect
  • Web Connect
  • Learn more about these connection options at Quicken Support

Within Quicken or QuickBooks, desktop users should look for Mechanics Bank Business Direct and online users should look for The Mechanics Bank (CA) – Business Banking. Use your Business Online Banking user code and password to connect.

Account & check reconciliation

Cash Management Balance Reporting

Mechanics Bank offers cash management balance reporting, using the Bank Administration Institute (BAI) file format.  BAI files contain your account transaction activity that is translated into standard BAI codes.  BAI reports containing all balance and transaction data from the previous day are securely transmitted to you.  Standard BAI codes enable you to update your accounting systems automatically with data from multiple banks, making the process simple and quick.

Key features:

  • Provides uniform transaction reporting
  • Saves time and money by automating your account reconciliation process


Business Online Banking Services

Business Online Banking provides detailed reporting of your account information enabling you to reduce the time you spend reconciling your account.

Key features:

  • View real time and historical balance & transaction information when you need it 24/7
  • View current and historical account statements
  • View images of your paid checks and deposited items
  • Export account activity to financial software or spreadsheets to help automate your account reconciliation
  • Process external fund transfers with increased online security controls
  • Categorize transactions online and use them to create income and spending reports

For more information about these Cash Management services, please contact us at 800.272.1876

Remote Deposit Capture

Business Remote Deposit Service

Business Remote Deposit is an online service that allows you to scan checks and remotely deposit them to your Mechanics Bank business accounts.  The service is an efficient tool that companies have come to rely upon.  Using the service can reduce, if not eliminate, the need for your staff to make a deposit at a Mechanics Bank branch.

Key features:

  • Convenience of depositing your checks from the comfort of your own office
  • Faster funds availability and extended deposit window hours
  • Reduced cost, carbon footprint and risk exposure of transporting deposits to the bank
  • Duplicate detection tools help ensure the same check isn't deposited twice
  • Online deposit reports available in multiple file formats