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Mobile Remote Deposit
When it comes to keeping you in touch with your money, we have multiple options for accessing your account via your mobile devices.
Mobile Banking FAQs
The only requirement is that you are registered for Online Banking. To sign up, click here to sign up for Mobile Banking.
Once that’s established you can download the appropriate app for access, or go into your Online Banking and activate your mobile device for Mobile Web Banking or Text Banking.
Mechanics Bank does not charge a fee for any method of Mobile Banking. Please check with your wireless provider about your service plan and any web access charges and/or text charges.
Sign on to Online Banking to cancel the service for your device. Go to “My Accounts,” click on “Manage Alerts and Notifications” and deactivate your registered mobile device from your Mobile Banking service. You can register your new device when you're ready to use Mobile Banking again. You should also contact your wireless carrier so your phone can be deactivated and protected from unwanted charges.
Mobile Deposit is a free1 service available through the Mechanics Bank Mobile Banking app for:
To get started with Mobile Deposit, update your Mobile Banking app to the latest version, login to Mobile Banking using your Online Banking user ID and password, and select “Deposit Checks” (iPhone/iPod) or “Deposits” (iPad/Android) from the Mobile Banking menu. After you review and agree to the Mechanics Bank Mobile Remote Deposit Services Agreement, you can start using Mobile Deposits using these few simple steps:
1Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan. Regular account charges apply. Mobile Deposit service is for personal checking or savings accounts only and is subject to eligibility. Deposit limits and other restrictions apply. iPhone, iPad and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Mobile Deposit FAQs
Mobile Deposit is a feature available through Mobile Banking that lets you deposit a check by using the camera on your mobile device. Simply take a picture of the front and back of your endorsed check and submit it for deposit to your checking or savings account. Mobile deposit is available on the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.
Mechanics Bank mobile banking customers who are at least 18 years of age, have a checking or savings account and who have accepted the Mechanics Bank Mobile Remote Deposit Services Agreement are eligible for Mobile Deposit. Eligibility is subject to change. Please refer to our full Mobile Deposit Agreement for complete details.
Mobile Deposit is part of our Mobile Banking app, and to use Mobile Banking you must be a consumer Online Banking customer. To sign up for Online Banking, click here to sign up for Mobile Banking. Once you have successfully logged into Online Banking, download Mechanics Bank’s Mobile Banking app from the Apple, Google play or Amazon App stores. You will use your Online Banking login credentials to sign into Mobile Banking, which gives you access to the Mobile Deposit feature.
Deposit limits can vary depending on your account. Your current mobile deposit limit is shown within the Amount field when making a deposit.
Limits are subject to change without notice.
What is the minimum deposit limit on Mobile Deposit?
The minimum deposit is $0.01.
While there is no limit to the number of deposits that may be made in a day, there is a maximum dollar amount that can be deposited per day.
On business days (Monday-Friday, except holidays), before 6:30 pm Pacific time.
Deposits are subject to verification and are generally available two (2) days after the deposit except for deposits made on Saturdays, Sundays and holidays, when the deposit will generally be available for withdrawal on the third day. If a hold is placed on a deposit you will be notified.
Mobile Deposit is available with the Mechanics Bank mobile banking app for the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.
You can deposit checks payable in U.S. dollars and drawn on any U.S. bank, credit union, or savings and loan.
After you receive confirmation that we have received an image, securely store the original check for 14 days after it posts to your account. Promptly after the 14 days expire, you must destroy the original check by first marking it “VOID” and then destroying it.
All checks must be endorsed with your signature, the account number to which the deposit is being made and specifically marked “For Mobile Deposit Only.”
There are no fees for using Mobile Deposit. Please check with your wireless provider about carrier and web access charges.
You can make a deposit to a specific account by clicking in the “Deposit to” box. A drop-down list of your accounts will be displayed. Click on the account that you wish to make the deposit to and continue.
Card Controls & Alerts
What is Card Controls?
Card Controls is a feature designed for Online and Mobile Banking that gives you full control over where, when, and how your debit card is used. Through your Mobile Banking app or Online Banking account, you can turn your debit card on or off and restrict the usage of your card to certain types of merchants. You also have the ability to implement and alter spending limits and restrict international use of your card. This is also the portion of our Online Banking portal that allows you to set up alerts as to when and where your card has been used.
Who can use Card Controls?
Consumers enrolled in Mechanics Bank online banking and/or mobile banking who have a Mechanics Bank debit card.
How do I start using Card Controls?
Why don't I see my card when I click on Card Controls and Alerts in online banking or on my app?
There are two possible reasons for why you don't see your card when you click on the Card Controls and Alerts.
I can't find my debit card! How do I turn it off until I locate it?
We take your account security very seriously and have created ways for you to quickly secure your account in the event you lose your debit card. If you use the Online Banking portal, you can log in, go to "My Resources" click on 'Card Controls and Alerts" and toggle your card to "Off." If you prefer using the app, you can also get in that way. Click on "More" then choose "Card Controls and Alerts" and turn your card to "Off" on that screen.
It's important to know that turning off your card is not the same as reporting that your card has been lost or stolen, so when you find your card, you can just go back and turn your card "On" again. You'll be able to start using your card right away.
If I have a joint account and we each have a debit card, do my controls affect their debit card? Can I turn their card on/off?
We realize that many people are on accounts with others, and that fact is something we've planned for with your Card Controls. Card Controls are based on the card number that is associated with each individual cardholder. That means the only card that you have any impact on through our Card Control system is your own.
For instance, if John and Jane have a joint account, but both are set up for Card Control, John can only make changes to his own card from his login.
If I only have one card issued to me and I want to remove it, can I add it back in later?
Once you have an active card on display associated with your account, it can never be removed. However, you can disable any alerts, location restrictions, vendor restrictions, or transaction restrictions that you had associated with the card when you set up your account.
If you are not planning on using the card that is associated with the account in question any more, you can disable the alerts and keep the card in a secure place.
If I have multiple cards, can I choose which ones I'd like enabled?
All consumer debit cards for an individual user will be displayed. You can enable alerts and other controls for each card individually.
What controls can I place on my debit card?
By default, your debit card is set up to be used on any transaction, for any amount, at any merchant at any location and all Alerts are enabled. As the cardholder, you have the control over what sort of transactions and how much money is allowed to be spent within a given day.
You can set controls that restrict in-person, online, ATM or phone transactions. You can also enable or disable certain types of merchants from being able to process your card. You can turn off any use of your debit card internationally or domestically, and you can make sure that it can only be used for a certain amount.
With Card Controls you can control your debit card use by:
You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:
You can determine whether to block/allow transactions originated outside the United States and if you want to receive alerts for them. By default, foreign transaction types are allowed and alerts enabled. To block foreign transactions, select the location type and tap the toggle to decline transaction. You can also turn off alerts for foreign transactions by selecting the location type and tap the toggle to turn off alerts.
You can determine whether to decline transactions over a specific dollar amount and if you want to receive alerts for transactions over a specific dollar amount. By default, these settings are disabled. To decline transactions over a specific dollar amount, select Spend Limits and tap the toggle off to turn on decline. Then enter the dollar amount over which you want transactions to be declined. To only receive alerts for transactions exceeding a specific dollar amount, tap the Alert me toggle and enter the specific dollar amount. Be sure to click the Save button.
I've set up my Alerts but how will the alerts be delivered?
The default setting on your Card Alerts will cause you to receive alerts on every device that you have authorized within Online Banking or Mobile Banking. You can go in to "Alert Delivery Options" in the Online Banking portal or in the Mobile Banking app and turn each type of notification on or off.
The possible methods of being notified of important activity are push notifications on your phone or mobile device, SMS/text messages or by e-mail.
I only want to get Alerts for my blocked transactions. Can I do that?
By default, all transaction alerts are set to "On" when you initially set up your Online Banking or Mobile Banking account. However, you have total control over what alerts you receive going forward, and you are able to only be notified about blocked transactions.
In an effort to constantly protect your account security, we will always notify you if a transaction is blocked or one is attempted, but you can set your alert preferences to only notify you of blocked transactions.
I tried to use my debit card and it was denied. Can you tell me why?
You may have Card Controls enabled on your card. Please check your Card Control preferences or call us at 800.797.6324.
Text keywords to 454545 to receive:
1Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan.
2The Primary account is the account designated during enrollment for which you will receive balance information when texting "BAL".
Text Banking FAQs
You need to be registered to use Online Banking before you can use Text Banking. Once enrolled in Online Banking, you can register your phone by choosing "Mobile & Text Alerts" in the Online Banking menu.
Our Text Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain account numbers, only account nicknames.
We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.
Yes, as long as you have text messaging enabled with your mobile carrier. Please check with your mobile carrier if you are unsure.
Our Text Banking service works on all major mobile providers in the U.S.
You can text back "stop" to 454545 on your activated cell phone, or you can return to the mobile banking page and click the “deactivate” link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.
It might take several minutes to receive your code. If you feel you have waited long enough you can click the "Resend it" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.
Yes. If you experience difficulties we recommend that you go through the setup process again and get a new code.
Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check the most often. If you have multiple accounts, you can designate your “Primary” account in Online Banking under the “Text and Email Alerts” tab.
No, keywords are not case sensitive. You can type “help” or “HELP.”
You don't need a password to access your account information via text message.
Yes, you first need to deactivate your cell phone and add your new cell phone number. You can do this within Text Banking set up.
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