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.
Online Banking with Bill Bay, Mobile & Text Banking¹	EssentialIncluded	AdvantageIncluded	PremierIncluded
Visa Contactless Debit Card	EssentialIncluded	AdvantageIncluded	PremierIncluded
Surcharge-free access² to an extended network of third-party ATMs internationally³	EssentialIncluded	AdvantageIncluded	PremierIncluded
Mechanics Bank out of network ATM fee reimbursement (per statement cycle)	EssentialOne	AdvantageTwo	PremierUnlimited
Out of network ATM fee rebate (per statement cycle)	Essential- Not Included	AdvantageUp to $9	PremierUnlimited
Fee discount on eligible mortgage loans on primary residence	Essential- Not Included	Advantage$300	Premier$450
Annual safe deposit box rental fee discount	Essential- Not Included	Advantage$15	Premier$20
Initial order of Mechanics Bank checks⁴	Essential$18	Advantage$8	Premier$0
Complimentary cashier's checks (up to 5 per statement cycle)	Essential- Not Included	AdvantageIncluded	PremierIncluded
Incoming wires rebate	Essential- Not Included	Advantage- Not Included	PremierIncluded
Overdraft fee reimbursement (per statement cycle)	Essential- Not Included	Advantage- Not Included	PremierUp to $35
Overdraft transfer fee rebate⁵	Essential- Not Included	Advantage- Not Included	PremierIncluded
Initial stop payment rebate	Essential- Not Included	Advantage- Not Included	PremierIncluded
Paper statement fee waiver	Essential- Not Included	Advantage- Not Included	PremierIncluded
Interest bearing	Essential- Not Included	Advantage-	PremierIncluded