Compare Checking Accounts

Checking Account Comparison
  Smart & Easy Checking Smart & Easy Plus Checking Basic Checking
Best for you if… You want to enjoy checking with no monthly service fee and have access to ATMs across the country You keep a large balance in your checking account and are interested in enjoying additional benefits You’re looking for a simple checking account with a low, flat monthly fee
Waive monthly service fee with ONE of the following
  • Monthly direct deposit to your Smart & Easy account OR
  • You are age 62 or better OR
  • $2,000 minimum daily balance in your Smart & Easy Checking account OR
  • $10,000 combined balances1 in Mechanics Bank deposit accounts OR
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts
  • $10,000 combined balances1 in Mechanics Bank deposit accounts OR
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts
  • Monthly direct deposit to your Basic Checking account OR
  • You are age 62 or better OR
  • You are between the ages of 15-22 OR
  • $2,000 minimum daily balance in your Basic Checking account OR
  • $10,000 combined balances1 in Mechanics Bank deposit accounts OR
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts
Monthly service fee $12 $20 $5
Minimum opening deposit $100 $100 $25
Fees we rebate that other banks charge you for using their ATMs $3 per month

Access 24,000 surcharge-free ATMs nationwide with MoneyPass ATM Network
$9 per month

Access 24,000 surcharge-free ATMs nationwide with MoneyPass ATM Network
N/A

Access 24,000 surcharge-free ATMs nationwide with MoneyPass ATM Network
Earns interest No Yes2 No
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