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Online Privacy Policy Under California Law

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Revised: March 2010

Maintaining your confidential financial information has been, and is today, an important part of our corporate culture, employee code of conduct, employee training, operating procedures, and privacy policy. We want you to understand the policies and procedures that we have developed to help protect the confidentiality of personal information about you. We hope these privacy disclosures will help you in this regard. This privacy notice discloses the privacy practices for, any affiliated websites owned and maintained by Mechanics Bank and the online banking services offered for both consumers and businesses.

Please note: It is NOT the practice or the desire of Mechanics Bank to collect information about minors on this website. We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from children. If you are under the age of 18, please do not apply for products or services on this website.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information as described below that will allow us to identify you.

Personally Identifiable Information we collect from you when you use our online services

If you sign up for Online Banking, we collect your:

  • Last Name/Business Name
  • Email Address
  • Contact Phone Number
  • Account Number
  • Account Type
  • A security question of your choosing.
  • The answer to the security question above.
  • Automated TeleBanking
  • Social Security Number

If you sign up for Online Bill Pay, we collect your:

  • First, Middle and Last Name
  • Current Address (City, State and Zip Code)
  • Home and Daytime Phone Numbers
  • Checking Account Number
  • Mothers Maiden Name
  • Email Address
  • Date of Birth
  • Information about your payees

If you apply to open a savings or checking account online, we collect your:

  • First, Middle and Last Name
  • Current Residential Address (City, State and Zip Code)
  • Email Address
  • Primary Phone Number
  • Social Security Number
  • Place of Birth
  • Mother’s Maiden Name
  • Current Drivers License/State ID with issue and expiration dates
  • Employment Information

If you apply for a home loan online, we collect your:

  • Name
  • Current Address (City, State and Zip Code)
  • Home and Daytime/Business Phone Numbers
  • Email Address
  • Social Security Number
  • Date of Birth
  • Marital or Registered Domestic Partnership Status
  • Employment information
  • Financial information including:
    • Income
    • Assets
    • Liabilities
    • Current Housing Costs

Information Sharing

Our policy is that we do not disclose personally identifiable information about you to anyone, except as permitted by law or as disclosed in this notice. This means that we share information about you with others under certain circumstances specifically permitted by the laws that govern us. For example, we are permitted to share information

  • in order to service your loans or accounts;
  • to respond to legal requirements;
  • to report your credit, checking and transactional experience with us to consumer reporting agencies as permitted by the Fair Credit Reporting Act;
  • to companies which perform services for us, such as check printing or electronic banking services;
  • to our regulators, accountants, auditors and others who assist us in preventing fraud or losses;
  • to persons who may assist us in connection with selling the assets of our business; and to companies which perform marketing services on our behalf. This allows us to provide you with information about the products and services we offer, if we think you might be interested in them.

We do not share customer information with outside companies for the purpose of marketing non-financial products to you.

Your Choice to Limit Customer Information Sharing and Marketing

You may call our Client Services Center at 800-797-6324, Monday-Friday 7am-11pm and Saturday and Sunday 7am-4:00pm or stop by the nearest Mechanics Bank office to ask us not to share customer information about you and to limit marketing by Mechanics Bank or affiliated companies. If you make this choice, it will apply to all of your accounts with us. Your choice will also apply until you tell us to change your choice. If you have previously told us your choice, you do not need to do so again.


We take precautions to protect your information. When you submit sensitive information via the website and within our online banking services, your information is protected both online and offline. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the top of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Changing Your Personally Identifiable Information

  • You may change your email address for online banking by logging onto Online Banking.
  • You may change your email address for bill pay by logging Online Banking Bill Pay.
  • You may change any other information by contacting us directly at 800-797-6324.

Notification of Changes

We reserve the right to amend the Online Privacy Policy at any time. We will post and inform you of the revised Online Privacy Policy on the by noting at the top the latest revision date of the policy. Any changes to this Online Privacy Policy will become effective upon the posting of the revised Online Privacy Policy on the website. By continuing to use the website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Online Privacy Policy, as it may be amended from time to time, in whole or in part, please do not continue using this website.