Personal Checking

Compare Checking Accounts

	Essential A simple and convenient checking account that gives you more control of your money.	Advantage All the features and benefits of our Essential account, plus more.	Premier An interest-bearing account that offers all of the perks, as well as other exclusive benefits.
Minimum Opening Deposit	$25	$25	$25
Online Banking with Bill Pay, Mobile & Text Banking¹	EssentialIncluded	AdvantageIncluded	PremierIncluded
Visa Contactless Debit Card	EssentialIncluded	AdvantageIncluded	PremierIncluded
Surcharge-free access to an extended network of MoneyPass® ATMs nationwide²	EssentialIncluded	AdvantageIncluded	PremierIncluded
Mechanics Bank out-of-network ATM withdrawal fee rebate (per statement cycle)³	Essential-	AdvantageOne	PremierUnlimited
Out-of-network ATM operator fee rebate (per statement cycle)⁴	Essential- Not Included	AdvantageUp to $3	PremierUnlimited
Annual safe deposit box rental fee discount	Essential- Not Included	Advantage-	Premier$20
Initial order of Mechanics Bank checks⁵	EssentialDiscounted	AdvantageDiscounted	PremierComplimentary
Incoming wire fee rebate	Essential- Not Included	Advantage- Not Included	UnlimitedPremierIncluded
Overdraft/returned item fee rebate (per statement cycle)	Essential- Not Included	Advantage- Not Included	PremierUp to $35
Overdraft transfer fee rebate	Essential- Not Included	Advantage- Not Included	UnlimitedPremierIncluded
Stop payment fee rebate	Essential- Not Included	Advantage- Not Included	UnlimitedPremierIncluded
Paper statement fee waiver	Essential- Not Included	Advantage- Not Included	PremierIncluded
Interest bearing	Essential- Not Included	Advantage-	PremierIncluded