Personal Mobile Banking Help & Resource Center

When it comes to keeping you in touch with your money, we have multiple options for accessing your account via your mobile devices.

  • Mobile apps – Convenient, secure and fast access
  • Text Banking – Get information or transfer funds via texts on your mobile device

Mobile Banking FAQs

What are the requirements for Mobile Banking?

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.

Is there a fee for Mobile 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.

I’ve lost my phone (or tablet). What should I do?

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

Deposit paper checks anywhere, anytime!

Mobile Deposit is a free1 service available through the Mechanics Bank Mobile Banking app for:

  • iPhone
  • iPad ® (2nd generation or newer)
  • iPod touch®
  • AndroidTM devices

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:

  • Select your deposit account and enter the check amount
  • Endorse the back of your check, add your Mechanics Bank checking or savings account number and "For Mobile Deposit Only"
  • Snap pictures of the front and back of your check as instructed (you will be prompted if any corrections are necessary) and submit your deposit
  • After receiving a confirmation that your deposit was accepted, you can choose to send a confirmation receipt via email

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

What is Mobile Deposit?

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.

Who is eligible for Mobile Deposit?

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.

How do I sign up for Mobile Deposit?

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.

What is the maximum deposit limit on Mobile Deposit?

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.

How many Mobile Deposits can I make in one day?

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.

What are the cut-off times for deposits made with Mobile Deposit?

On business days (Monday-Friday, except holidays), before 6:30 pm Pacific time.

When will my deposit(s) be available?

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.

What devices are supported by Mobile Deposit?

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.

What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn on any U.S. bank, credit union, or savings and loan.

What types of checks CANNOT be deposited using Mobile Deposit?
  • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you)
  • Checks payable to you and another party who is not a joint owner on the account
  • Checks that contain evidence of alteration, whether or not authorized by the maker of the check, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
  • Checks that are postdated or more than six (6) months old
  • Checks drawn on a foreign bank or payable in a foreign currency
  • Checks payable to “Cash”
  • Government/Treasury checks
  • Substitute checks (i.e., paper checks created from an electronic image)
  • Money orders
  • Travelers checks
  • U.S. Savings Bonds
  • Cashier’s Checks drawn on Mechanics Bank
What should I do with my paper check?

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.

Do I need to sign my check?

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.

Is there a fee for Mobile Deposit?

There are no fees for using Mobile Deposit. Please check with your wireless provider about carrier and web access charges.

How do I make a deposit to a specific account if I have more than one?

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?

  1. To begin using Card Controls, go to My Resources and follow the directions through the process. If you're using our Mobile Banking app, open the app, and click More.
  2. Choose Card Controls and Alerts, then review and accept the terms and conditions when they appear. Your debit card will be listed here.
  3. The initial screen that discussed Card Controls and Alerts will give you the option to turn your card on or off. Your card will be identified by the last four digits.
  4. Set up your desired alerts, set your spending limit, and turn your card on and off.
     

    Card Controls Card List

     

    Card Controls Mobile Card List

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.

  1. The card was opened less than one business day ago. It takes one business day for a new card to appear in the Online Banking system or in the app.
  2. The information you provided in the Online Banking system or in the app does not match the information on the card. If you share an Online and/or Mobile Banking account with a partner and you log in with their information, that information will not match the information provided for your configuration. You can create your own Online and/or Mobile Banking configuration so that you can see your card.

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.

 

Card Controls Off

Card Controls Mobile Off

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.

Card Controls Set Declines and Alerts

 

Card Controls Mobile Set Declines and Alerts

With Card Controls you can control your debit card use by:

Transaction Type

You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:

  • In-store
  • Online
  • Phone/mail order
  • ATM

Merchant Type

You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:

  • Department stores
  • Entertainment
  • Gas Station
  • Groceries
  • Household
  • Personal care
  • Restaurants
  • Travel

Location Type

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.

Spend Limits

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.

Card Controls Set Spending Limits

 

Card Controls Mobile Set Spending Limits

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.  

Card Controls Set Alert Delivery Options

 

Card Controls Set Alert Delivery Options Toggles

 

Card Controls Mobile Set Alert Delivery Options

 

Card Controls Mobile Set Alert Delivery Options Toggles

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.
 

Card Controls Set Declines and Alerts

 

Card Controls Mobile Set Declines and Alerts

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 Banking

A simple solution to track your account from your mobile phone.

  • Text Banking is easy-to-use and secure
  • Your account information is right at your fingertips
  • Get fast answers and make smarter decisions on the go
  • It's free – there is no charge from Mechanics Bank1
  • Works on most mobile phones that offer texting capabilities
Getting started with Text Banking
  1. Login to Online Banking from a computer
  2. Click on the "Text & Email Alerts" tab
  3. Click on the "Activate" button
  4. Enter your mobile phone number
  5. Read and agree to the Terms and Conditions and click "Next"
  6. An activation code will be sent as a text message to your mobile device
  7. Enter the activation code within Online Banking and click "Next"
  8. Select the account you wish to designate as primary2 and click "Done"
  9. Begin using Text Banking by texting to 454545 at anytime
  10. Save the number 454545 as a contact in your mobile phone
  11. You can set up multiple devices to enable Text Banking
Things you can do with Text Banking

Text keywords to 454545 to receive:

  • Primary2 account balances
  • All account balances
  • Your last five transactions
  • Balances on all accounts
  • Transfers from one source account to your primary account

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

Here’s a look at the commands you can use for Text Banking:
Text this to 454545 Receive this information back
BAL or BALANCE Current and available balance in your Primary2 account
BAL CHK Current balances of all active checking accounts
BAL SAV Current balances of all active savings accounts
BAL ALL Current balances for all active bank accounts
LAST Most recent five (5) transactions in your Primary account
TRANS Using “TRANS” followed by a dollar amount transfers funds from your Transfer source Account (generally Savings) into your Primary account. Example: TRANS 25 will transfer $25 from your Source account to your Primary account.
HELP Information related to using Text Banking
STOP Terminates Text Banking for that mobile device
How do I sign up for Text Banking?

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.

Is Text Banking secure?

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.

Will I be charged for Text Banking?

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.

Will Text Banking work on my phone?

Yes, as long as you have text messaging enabled with your mobile carrier.  Please check with your mobile carrier if you are unsure.

Which carriers do you support?

Our Text Banking service works on all major mobile providers in the U.S.

How do I deactivate Text Banking service?

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.

Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Where do I find my activation code?

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.

I still have not received my code, what do I do?

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.

Can I come back later to enter my activation code?

Yes. If you experience difficulties we recommend that you go through the setup process again and get a new code.

What is a “Primary” Text Banking account?

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.

Are the commands case sensitive?

No, keywords are not case sensitive. You can type “help” or “HELP.”

Is there any password needed for Text Banking?

You don't need a password to access your account information via text message.

I have a new mobile phone number. Can I change or add my number online?

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.