Why Mechanics Bank?

Through our storied heritage, we’re connected — to you and your community.

With branches spanning from the Imperial Valley to the Cascades and Klamath Mountains, and from the coastal cities and towns to the Sierra Nevada foothills, we serve California. No other bank is more passionate about providing for its clients’ banking and lending needs, and giving back to its communities across the Golden State.

Strong oak tree

We Take Safety & Soundness Seriously

Managing a transparent and simple balance sheet free of hedges, derivatives or swaps, we value core banking and lending principles that have allowed us to withstand challenging times, including the 1906 San Francisco earthquake and fire, the Great Depression, and World Wars I and II. At the onset of the Great Recession in 2008, Mechanics Bank was among the first banks in the nation to turn down the Treasury Department’s “Troubled Asset Relief Program” (TARP) assistance.

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We Are Centered Around Community Commitment

We strive to understand the needs of the communities throughout our footprint. To achieve this, we work closely with Community Development Financial Institutions (CDFIs) and other community-based organizations to support small businesses. The Bank also offers programs that include “Bank On” accounts for un-banked and under-banked households, along with the “Lift” Small Dollar Loan program to provide an alternative to payday lending. We also work with the Federal Home Loan Bank of San Francisco (FHLBSF) to provide 4:1 first-time homebuyer down payment and closing cost assistance through the Workforce Initiative Subsidy for Homeownership (WISH).

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Banking Designed With You in Mind

Banking Designed With You In Mind

We’re your neighbors who live and work in your community. We share your values and aspirations. And as bankers, we endeavor to help you achieve your financial goals with robust banking services that meet all your personal, mortgage, business, and wealth management needs.

Because we understand that your time is valuable, we have the tools to let you bank on your schedule. The convenience of our online banking and mobile apps allow you to securely view and manage your accounts – when you want, where you want.

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Forbes Best Banks 2023

We Are An Award-Winning Bank

For the third straight year, Mechanics Bank has been named one of America's best banks based on growth, credit quality and profitability, according to Forbes. Climbing nine positions over the prior year, our 118-year-old California bank is ranked 23rd among the nation's 100 largest publicly traded banks and thrifts in the global media outlet's 14th annual report published in February.

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We can help you achieve your financial goals with robust banking services that meet all your personal, mortgage, business, and wealth management needs.