Every business is different and business checking accounts should not be a one-size fits all. With businesses large and small in mind, we offer a variety of checking accounts that come with features and benefits designed to help manage your funds. So, whether you’re a sole proprietor, a startup, mature business, or public entity, we have a checking account that will meet your needs.
Ideal for businesses with a low level of transactions and cash handling activities each month.
Up to $5,000 monthly cash deposits1
150 monthly transactions included2
Monthly Remote Deposit Capture discount - $5.00
Online banking with Bill Pay
Mobile banking
Complimentary paper or eStatements
First check order discount - $50.00
Incoming wire fee reimbursement3 - unlimited
Ideal for businesses with a moderate level of transactions and cash handling activities each month.
Up to $10,000 monthly cash deposits1
300 monthly transactions included2
Monthly Remote Deposit Capture discount - $10.00
Online banking with Bill Pay
Mobile banking
Complimentary paper or eStatements
First check order discount - $50.00
Incoming wire fee reimbursement3 - unlimited
Ideal for businesses looking to earn interest with a moderate level of transactions and cash handling activities each month.
Up to $10,000 monthly cash deposits1
300 monthly transactions included2
Monthly Remote Deposit Capture discount - $10.00
Online banking with Bill Pay
Mobile banking
Complimentary paper or eStatements
First check order discount - $50.00
Incoming wire fee reimbursement3 - unlimited
Ideal for businesses with moderate to high levels of transactions and cash handling needs every month that can benefit from access to limited cash management services.
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Up to $20,000 monthly cash deposits1
500 monthly transactions included2
Monthly Remote Deposit Capture discount - $20.00
Online banking with Bill Pay
Mobile banking
Complimentary paper or eStatements
First check order discount - $50.00
Incoming wire fee reimbursement3 - unlimited
Disclosures:
1 Deposits that exceed this monthly threshold will be charged a fee.
2 Transactional items include any combination of deposits processed, items deposited and checks paid. A per item fee will be charged for each item in excess of this amount during a statement cycle.
3The reimbursement will be credited to the Prime Business Checking account within one (1) business day after the fee is charged.
Analyzed Checking accounts are eligible for advanced Treasury Management services from Mechanics Bank, including:
Some or all of the fees and service charges can be offset by earnings credit received on qualified accounts with Mechanics Bank. Various activity and service fees apply based on volume and services provided.
Talk to a Treasury Relationship Manager for more details.
We are proud to offer comprehensive public fund products designed for municipal, state, and federal government entities to manage cash efficiently. Your Relationship Manager will help you choose the right accounts to meet the needs of your government agency.
To open your business account, you’ll need to provide a photo ID for all authorized signors, a Tax ID (EIN Assigned Letter from the IRS), and the correct business documentation for your business entity type. Click on the links below to see what additional documents you may need to provide for business verification.
Fictitious Business Name Statement, filed copy – required if the individual’s surname is not included or the name suggests existence of additional owners, or if the business is a franchise and plans to transact in the franchise name
Fictitious Business Name Statement, filed copy – required if any one of the following statements is true:
1) Business entity is using any name other than name of the limited partnership that is on file with CA Secretary of State
2) The business is not registered with CA Secretary of State and all partners’ surnames are not included in business name
3) The business is a franchise and will be transacting in the name of the franchise
Certificate of Limited Partnership (LP-1), filed copy
Partnership Agreement copy must be provided – can be handwritten or typed agreement and signed by all partners
Fictitious Business Name Statement, filed copy – required if:
1) Business entity is using any name other than name of the limited partnership that is on file with CA Secretary of State
2) The business is not registered with CA Secretary of State and all partners’ surnames are not included in business name
3) The business is a franchise and will be transacting in the name of the franchise