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
  • Mobile Web Banking – Access your account through any phone or tablet that has a web browser
  • 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 Moblie 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 4 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.

Mobile Web Banking

With Mobile Web Banking, you can bank on any mobile device with web access.

After you have successfully logged into our Online Banking system and set up your security settings, you can login into Mobile Web Banking on your mobile device by visiting and selecting Login.

This link will direct you to our Mobile Web Banking website login page, where you'll login using your same User ID, Password, and Enhanced Login features that you currently use with Online Banking.

For your convenience, you can also create a shortcut to on your mobile phone's browser.

In Mobile Banking, you can do the following:
  • View account summaries of your checking, savings, CDs, and loans
  • View transaction histories of your accounts
  • Make transfers
  • Pay bills, view pending bill payments, cancel pending bill payments, and view bill payment history

Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan.

Mobile Web Banking FAQs

What's the difference between Mobile Banking and Mobile Web Banking?

Through Mobile Web Banking, you can use any phone or mobile device that can access the web through a mobile web browser to access your account information. Our Mobile Banking apps are available for iPhone, iPad, iPod Touch, and Android phones.

How do I sign up for Mobile Web Banking?

After you have successfully accessed Online Banking and set up your Enhanced Login Security, you will use the same User ID and Password to login to Mobile Web Banking.

You can access the login for Mobile Web Banking by typing either of the following links into your mobile device's web browser:

  • com/m (provides direct link to Mobile Web Banking Login)
  • mobi (provides additional services; choose 'Login' to go to the Mobile Web Banking Login)
Is there a fee for Mobile Web 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.

Who can access Mobile Web Banking?

If you use Online Banking, you can access your account information through Mobile Web Banking using the same security credentials. You need to be registered and have successfully logged into Online Banking before you can login to Mobile Web Banking. We do not currently offer Mobile Web Banking access for our Business Online Banking system.

Is Mobile Web Banking secure?

Yes, Mobile Web Banking is as safe as Online Banking. Continue to protect your user ID and password like you would for Online Banking–don’t store on the phone or on the browser. We offer enhanced security for your mobile device. You will be asked challenge questions unless you add enhanced security to your mobile device.

To learn additional tips on being secure using Online Banking and Mobile Web Banking, visit our Security & Fraud Prevention Center

When I login from my mobile phone, I get a message that says the website you are attempting to access is about to be optimized for your mobile device which means that your personal data may not be secure—should I continue? Is my data secure?

Once you choose the 'Login' option, you are on the secure site and you will answer challenge questions just like you would if you were logging into Online Banking from a computer. You may set extra security on your mobile phone or choose to answer challenge questions. It works just like Online Banking, using SSL encryption.

What can I do on Mobile Web Banking before I login?
  • Look up rates
  • Find our branches/ATM locations, hours of operation, maps and driving directions
  • Get Mechanics Bank contact information
What can I do on Mobile Web Banking after I login?
  • Access account balances and transaction history
  • Make transfers between your accounts
  • Pay bills
  • Set extra security on your mobile device
I locked myself out of Mobile Web Banking—how do I reset my password?

On a computer, go to Online Banking and use the password assistance link on the login page or contact Online Banking Services at 877.265.6324.

Do I have to download anything onto my phone to use Mobile Web Banking?

No. Mobile Web Banking is browser-based. Any phone that has access to the Internet should be able to access Mobile Web Banking.

Do I need to change my phone’s security settings in order to access Mobile Web Banking?

No, although each phone is different and we recommend contacting your mobile phone service provider if you cannot access our site.

Is the information on Mobile Web Banking different than Online Banking?

No, the information is pulled from Online Banking so they are the same.

Can I change my time-out settings?

No, the time-out session is set for 5 minutes and it cannot be changed.

What transactions are not available on Mobile Web Banking that are available on Online Banking?

The following are NOT accessible via Mobile Web Banking:

  • Set up new businesses or individuals to receive bill payments
  • View statements or check images
  • Export transactions
  • Place stop payments
  • Make scheduled transfers
  • Set up email notifications
  • Order checks
  • Set up user options
  • Access MX Money
  • Access My TurboTax

Note: Mobile Web Banking is part of our Online Banking service—it is not meant to replace Online Banking. It is a convenient method for quick access to information available on Online Banking. We are working to make more Online Banking features available on Mobile Web Banking.

Can I receive text alerts on my mobile phone?

Yes. You can enable text alerts through the Text & Email Alerts area of Online Banking.

For additional information regarding Mobile Web Banking, please contact Online Banking Services at 877.265.6324

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.