Mobile Deposit


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Deposit Paper Checks With Mobile Deposit

You can now deposit paper checks with Mobile Deposit anywhere, anytime.

Mobile Deposit is a free* service available through Mechanics Bank Mobile Banking app for iPhone ®, iPad ® (2nd generation or newer), iPod touch ® and Android TM.

To get started with Mobile Deposit, update your Mobile Banking app to this latest version, log into Mobile Banking using your Online Banking user ID and password, and select Deposit Checks (iPhone/iPod) or Deposits (iPad/Android) from the Mobile Banking menu. After you review and agree to the Mechanics Bank Mobile Remote Deposit Services Agreement, you can start using Mobile Deposits using these few simple steps:

  • Select your deposit account and enter the check amount
  • Endorse the back of your check, add your Mechanics Bank checking or savings account number and "For Mobile Deposit Only"
  • Snap pictures of the front and back of your check as instructed (you will be prompted if any corrections are necessary) and submit your deposit
  • After receiving a confirmation that your deposit was accepted, you can choose to send a confirmation receipt via email

* Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply. Regular account charges apply. Mobile Deposit service is for personal checking or savings accounts only and is subject to eligibility. Deposit limits and other restrictions apply. iPhone, iPad and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.


Mobile Deposit Frequently Asked Questions

1. What is Mobile Deposit?

Mobile Deposit is a feature available through Mobile Banking that lets you deposit a check by using the camera on your mobile device. Simply take a picture of the front and back of your endorsed check and submit it for deposit to your checking or savings account. Mobile deposit is available on the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.

2. Who is eligible for Mobile Deposit?

Mechanics Bank mobile banking customers, who are at least 18 years of age, have a checking or savings account, and who have accepted the Mechanics Bank Mobile Remote Deposit Services Agreement. Eligibility is subject to change. Please refer to our full Mobile Deposit Agreement for complete details.

3. How do I sign up for Mobile Deposit?

Mobile Deposit is part of our Mobile Banking App, and to use Mobile Banking you must be a consumer Online Banking customer. You can sign up for Online Banking at mechanicsbank.com or click here. Once you have successful logged into Consumer Online Banking, download Mechanics Bank’s Mobile Banking App from the Apple, Google play or Amazon App stores. You will use your Online Banking log in credentials to sign into Mobile Banking, which gives you access to the Mobile Deposit feature.

4. What is the maximum deposit limit on Mobile Deposit?
  • The maximum deposit limit for New Customers (account open less than one year) is $500 per day or $1,000 deposited per month.
  • The maximum deposit limit for Existing Customers (account open more than one year) is $2,500 per day or $5,000 deposited per month.
  • Limits are subject to change without notice.
5. What is the minimum deposit limit on Mobile Deposit?

The minimum deposit is $0.01.

6. How many Mobile deposits can I make in one day?

While there is no limit to the number of deposits that may be made in a day, there is a maximum dollar amount that can be deposited per month. The total combined dollar amount of all checks deposited cannot exceed that monthly deposit maximum.

7. What are the cut-off times for deposits made with Mobile Deposit?

On business days (Monday-Friday, except holidays), before 4:00PM Pacific time

8. When will my deposit(s) be available?

Deposits are subject to verification and are generally available two (2) days after the deposit except for deposits made on Saturdays, Sundays and holidays, when the deposit will generally be available for withdrawal on the third day. If a hold is placed on a deposit you will be notified.

9. What devices are supported by Mobile Deposit?

Mobile Deposit is available with the Mechanics Bank mobile banking app for the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.

10. What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn on any U.S. bank, credit union, or savings and loan.

11. What types of checks cannot be deposited using Mobile Deposit?
  • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).
  • Checks payable to you and another party who is not a joint owner on the account.
  • Checks that contain evidence of alteration, whether or not authorized by the maker of the check, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks that are postdated or more than 6 months old.
  • Checks drawn on a foreign bank or payable in a foreign currency.
  • Checks payable to “Cash”.
  • Government/Treasury checks.
  • Substitute checks (i.e., paper checks created from an electronic image)
  • Money Orders.
  • Travelers checks.
  • U.S. Savings Bonds.
  • Cashier’s Checks drawn on Mechanics Bank.
12. What should I do with my paper check?

After you receive confirmation that we have received an image, securely store the original check for 14 days after it posts to your account. Promptly after the 14 days expire, you must destroy the original check by first marking it “VOID” and then destroying it.

13. Do I need to sign my check?

All checks must be endorsed with your signature, the account number to which the deposit is being made and specifically marked “For Mobile Deposit”.

14. Is there a fee for Mobile Deposit?

There are no fees for using Mobile Deposit. Please check with your wireless provider about carrier and web access charges.

15. How do I make a deposit to a specific account if I have more than one?

You can make a deposit to a specific account by clicking in the “Deposit to” box. A drop down list of your accounts will be displayed. Click on the account that you wish to make the deposit to and continue.