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How we protect you online

Mechanics Bank views the security of your personal information online as a top priority. When you login to any online banking system from our website home page, from other areas of our website, or through mobile banking, your User ID and Password (Online Banking/Mobile Banking) or Access ID and Password (Business Online Banking) are securely transmitted to our online system.

When you sign up for online banking or mobile banking access, you must create your own username and password to access your accounts. This information is encrypted during transmission.

Individualized passwords

  • We strongly recommend that you do not use your social security number, or other identifiable number like a birthdate as a username or password
  • Our Online Banking system utilizes additional password complexity requirements:
  1. Passwords should be between 8 and 20 characters
  2. Should include at least one number
  3. Should include at least one uppercase letter
  4. Should include at least one lowercase letter
  5. Should have at least one special character (a special character is anyone of the following: ! @ # $ % ^ & * _ + - = ( ) [ ] { } | : ; ` , . / ?)
  6. Cannot contain leading or trailing blanks

Login time out

  • Mechanics Bank Online Banking and Mobile Banking will automatically log you off after 20 minutes and five (5) minutes of inactivity, respectively (you have the ability to adjust your timeout in Online Banking, but not for Mobile Banking)
  • This reduces the risk of others accessing your information from your unattended computer, mobile, or tablet device


  • Mechanics Bank computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry


  • All Online Banking access and Bill Pay sessions are encrypted; Mechanics Bank has some of the strongest forms of encryption commercially available for use on the web today
  • During any transaction, our 128-bit and 256-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher
  • Look for a "closed lock" icon on your browser to determine if encryption is being used on any web page you are viewing
  • Additionally, any website URL beginning with "https:” indicates the page you are viewing uses encryption

Email communication

Mechanics Bank will never send unsolicited emails asking clients to provide, update, or verify personal or account information such as passwords, social security numbers, PINs, credit or check card numbers, or other confidential information. Please report any emails that you receive asking you to update that information.

Additional browser security - Trusteer

To help protect you, we offer an additional layer of protection while banking online. Trusteer’s Rapport® from IBM® Security is a small, downloadable application that helps protect against financial malware attacks and fraudulent websites. Learn more about protecting yourself and your computer with Trusteer.

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