Business Banking FAQs

Business Banking FAQs

Business Remote Deposit Service

Business Remote Deposit is an online service that allows you to scan checks and remotely deposit them to your Mechanics Bank business accounts.  The service is an efficient tool that companies have come to rely upon.  Using the service can reduce, if not eliminate, the need for your staff to make a deposit at a Mechanics Bank branch.

Key features:

  • Convenience of depositing your checks from the comfort of your own office
  • Faster funds availability and extended deposit window hours
  • Reduced cost, carbon footprint and risk exposure of transporting deposits to the bank
  • Duplicate detection tools help ensure the same check isn't deposited twice
  • Online deposit reports available in multiple file formats

Online Wire Service

Online Wires is an effective payment method that ensures timely delivery of funds to a beneficiary's bank account for the immediate use.

Key features:

  • Initiate domestic and foreign wires in USD from the convenience of your office
  • Create repetitive wire templates, simplifying future transfers
  • Enhanced security with multiple user access & approval levels
  • Same day processing for wires initiated by established cut off times
  • Ability to consolidate a large volume of wire requests in a single batch
  • Online reporting available for incoming wire transfers

For more information about these Cash Management services, please contact us at 800.272.1876

Certified operating systems:

  • Microsoft Windows 7 Professional
    • Processor speed: 1 GHz 32-bit
    • RAM: 2 GB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 8 or 9
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls
  • Microsoft Windows XP (with Service pack 3)
    • Processor speed: 600 GHz 32-bit
    • RAM: 512 MB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 7 or higher
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls
  • Microsoft Windows Vista (Business Edition)
    • Processor speed: 1 GHz 32-bit (x86)
    • RAM: 2 GB system memory
    • Hard disk space: 200 MB free space
    • Internet browser: Internet Explorer 7 or higher
    • USB: 2.0
    • Internet access: DSL or faster
    • Must feature embedded ActiveX controls

Hardware Requirements
A certified scanner device is required for this service. Supported scanners include:

  • Panini
  • SB-1000
  • Digital Check
  • RDC 7000
  • Magtek Excella
  • Magtek STX

Mobile Devices

Mobile web browsers: Not supported
Mobile applications: Currently not available

Automated Clearing House (ACH) Origination Service

ACH is a secure electronic payment method widely used by companies to remit Payables or collect Receivables.  It is commonly used for direct deposit of payroll, vendor payments, tax payments and the collection of payments due from your clients or members.

Key features:

  • Establish repetitive ACH templates, simplifying future transfers
  • Saves the time and cost of issuing and distributing checks
  • Reduces fraud exposure by reducing check activity
  • Generate detailed reports of ACH origination history
  • Enhanced security with multiple user access and approval levels
  • Immediate availability of funds for the beneficiary on the designated settlement date
  • Ability to upload ACH files created from your accounting software

Electronic Data Interchange (EDI)

EDI enables fast accurate and reliable exchange of data between companies and replaces the usage of faxing and mailing of paper documents.  The EDI service passes invoice and payment data through the ACH network, streamlining your accounting and receivable and payable functions.  EDI can include data such as the sending party's name, invoices, purchase order number or other reference information that identifies the purpose or breakdown of the payment.

Key features:

  • Decreases costs by reducing clerical work and less paper usage
  • Increases efficiency by automating paper-based tasks
  • Reduction of data entry errors
  • Improves processing time of accounts receivable receipts
  • Same day confirmation of payment details
  • View and download EDI reports conveniently through Business Online Banking

For more information about these Cash Management services, please contact us at 800.272.1876

Positive Pay Service (Check & ACH)

Check and ACH fraud in the United States continues to increase by millions of dollars.  Our Positive Pay service helps minimize the risk and exposure of fraudulent checks and unauthorized ACH items.

Key features:

  • Detects suspicious check and ACH activity and reduces the risk of financial loss
  • Online review and decision-making of unmatched exception items
  • Daily exception item email and text notifications
  • Conveniently upload multiple issued checks in a bulk file or manually enter checks individually
  • Create and manage filters online for approved incoming ACH transactions
  • Extract item reporting in multiple file formats
  • Automates and simplifies account reconciliation

For more information about these Cash Management services, please contact us at 800.272.1876

Minimum screen resolution:

  • 800 x 600 is supported, but not recommended
  • 1024 X 768 pixels (recommended)

Certified browsers:

  • Microsoft Internet Explorer 6 or higher

Browsers that fall outside this specification are not blocked, but some features such as the "helper text" that displays when hovering over active icons may not be enabled. In this case, the user may still be able to login and use the Positive Pay system, but may not benefit from all the features.

To prevent service disruption, please verify the browser is compatible with our system(s) before upgrading to a newer version. 


Mobile devices:

Mobile web browsers: While certain mobile devices and mobile web browsers may provide access to the Positive Pay service, they have not been certified to work with all of its features.
Mobile applications: Currently not available

Yes. Business Online Banking and Commercial Center provide Single Sign On (SSO) access to the new Positive Pay/Account Reconciliation system.

Accelerate funds availability, simplify remittance processing and turn receivables into faster cash, with Mechanics Bank Lock Box Services. Consider our Lock Box service an extension of your office for remittance processing that's quick, economical and convenient.

Key features:

  • A designated P.O. Box is assigned for your payments
  • Customized processing of checks, invoices and remittance details, to meet your specifications
  • Speeds up processing time of your payments, providing quicker access to your funds
  • Generate detailed reports of ACH origination history
  • Streamlines receivables processing, decreases costs and frees your staff to work on more profitable activities
  • Online images and report viewing, transaction history, and data file downloading available

For more information about these Cash Management services, please contact us at 800.272.1876

Certified browsers (must support SSL 2.0):

  • Microsoft Internet Explorer 6, 7, 8, 9*, 10*
  • Mozilla Firefox 3.5 or higher
  • Apple Safari 4 or higher
  • Google Chrome

* Required to run in “compatibility mode”

Browsers that fall outside these specifications may not be blocked, but users may see a message at the login page that states their browser may not be 100% compatible. In this case, users may still be able to login and use the lock box system regardless of the incompatibility message.

To prevent service disruption, please verify the browser is compatible with our system(s) before upgrading to a newer version.


Mobile devices

  • Mobile web browsers: While certain mobile devices and mobile web browsers may provide access to lock box service, they have not been certified to work with all of its features.
  • Mobile applications: Currently not available