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Overdrawing your account can be a costly error. To help minimize the financial and emotional impact that often occurs as the result of overdrawing your account, we offer the following overdraft protection services:
Is linking your accounts the best overdraft solution for you?
Is an overdraft line of credit the best solution for you?
If you have any questions about Overdraft Protection, Overdraft Privilege, or Extended Coverage, please call us at (800) 797-6324 or visit a branch.
What Else You Should Know
(1) All credits/deposits; (2) Electronic debits through our online banking, mobile banking, or cash management services or 24-hour automated banking service; (3) Debit card point-of-sale transactions will be debited in the order received; (4) Cash paid items—items other than your pre-printed checks that are cashed over-the-counter at a Bank branch. (5) ATM withdrawals will be debited in the order received; (6) Automated Clearing House (ACH) transactions, including through our electronic bill payment service but excluding electronically-converted checks, will be debited in low to high dollar amounts. (7) Point of Sale (POS) recurring withdrawals (8) Checks presented to Mechanics Bank (including paper checks through our bill payment service or electronically-converted checks) will be debited in check number sequence. This means that the check with the LOWEST check number will be paid FIRST and then the remaining checks will be paid in sequence to the highest check number.
If you would like to opt-in to the payment of ATM or everyday debit card transactions (Extended Coverage), call 800.797.6324 or complete this form and present it at a branch or mail it to: P.O. Box 5610, Hercules, CA 94547
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