Overdraft Services


Overdrawing your account can be a costly error. To help minimize the financial and emotional impact that often occurs as the result of overdrawing your account, we offer the following overdraft protection services. Click on the links below to learn more about each service.

Linked Accounts

You may link any eligible Mechanics Bank checking, savings and/or money market accounts so that, in the event of an overdraft, available funds are automatically transferred between accounts. Certain account types are subject to a limited number of transfers per month or statement cycle.

Overdraft Line of Credit

An Overdraft Line of Credit is a loan attached to your checking account. You must apply for a line of credit and are subject to credit approval.

Set up Overdraft Protection by calling 800.797.6324 or visit a Mechanics Bank office.


Frequently Asked Questions

How do I get Overdraft Protection?

You can set up Overdraft Protection by calling 800.797.6324, Monday – Friday 7:00 a.m. – 9:00 p.m. and Saturday – Sunday 7:00 a.m. – 4:00 p.m., or by visiting a Mechanics Bank office.

What does Overdraft Protection cost?

There’s no cost to enroll in Overdraft Protection. You pay for Overdraft Protection only when you use the service. Fees vary by the type of Overdraft Protection Service used. For more information, call 800.797.6324, Monday – Friday 7:00 a.m. – 9:00 p.m. and Saturday – Sunday 7:00 a.m. – 4:00 p.m., or by visiting a Mechanics Bank office.

Can I still overdraw my account if I have Overdraft Protection?

Yes, if there aren’t enough funds available in your checking account, your linked Overdraft Protection account or your Overdraft line of credit to cover an item, Overdraft Protection won’t occur. Then, you may be charged a non-sufficient funds (NSF) fee.

Can I link to more than one account for Overdraft Protection?

Yes, your checking account can be protected by multiple linked accounts for Overdraft Protection. If you have more than one eligible account that could protect your checking account, you will need to designate the access order for each account. You can always change the order of the linked accounts for Overdraft Protection by calling 800.797.6324, Monday – Friday 7:00 a.m. – 9:00 p.m. and Saturday – Sunday 7:00 a.m. – 4:00 p.m., or by visiting a Mechanics Bank office.

Can I change my Overdraft Protection linked account(s)?

Yes. You can change the linked account for Overdraft Protection by calling 800.797.6324, Monday – Friday 7:00 a.m. – 9:00 p.m. and Saturday – Sunday 7:00 a.m. – 4:00 p.m., or by visiting a Mechanics Bank office.

Does Overdraft Protection allow me to access cash at an ATM when I have insufficient funds in my account?

In the event that your checking account doesn’t have enough money to cover the ATM withdrawal, Overdraft Protection automatically transfers money into your checking account from your linked Overdraft Protection account(s) (provided there are sufficient funds or available credit).

What tools do you have to help me avoid overdrafts all together?

Additional resources are available on our website in our Money Management Tips section.