Mobile Banking Frequently Asked Questions

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Who can access Mobile Banking?

If you use Online Banking, you can access your account information through Mobile Banking using the same security credentials. You need to be registered and have successfully logged into Mechanics Online Banking before you can can login to Mobile Banking. We do not currently offer Mobile Banking access for our Business Online Banking system.

How do I sign up for Mobile Banking?

After you have successfully accessed Mechanics Online Banking and set up your Enhanced Login Security, you will use the same User ID and Password to login to Mobile Banking. You can access the login for Mobile Banking by typing either of the following links into your mobile device's web browser:

(provides direct link to Mobile Banking Login)


(provides additional services; choose 'Login' to go to the Mobile Banking Login).

Is Mobile Banking secure?

Yes, Mobile Banking is as safe as Mechanics Online Banking. Continue to protect your user ID and password like they would for Mechanics Online Banking—don’t store on the phone or on the browser.  We offer enhanced security for your mobile device.  You will be asked challenge questions unless you add enhanced security to your mobile device.

To learn additional tips on being secure using Online Banking and Mobile Banking, visit our Security Center

When I login from my mobile phone, I get a message that says the website you are attempting to access is about to be optimized for your mobile device which means that your personal data may not be secure—should I continue? Is my data secure?

Once you choose the 'Login' option Login to Mobile Banking, you are on the secure site and you will answer challenge questions just like you would if you were logging into Mechanics Online Banking from a computer. You may set extra security on your mobile phone or choose to answer challenge questions. It works just like Mechanics Online Banking using SSL encryption.

What can I do on Mobile Banking before I login?

  • Look up Rates
  • Find our Offices/ATM locations, hours of operation, maps and driving directions
  • Get Mechanics Bank contact information

What can I do on Mobile Banking after I login?

  • Access account balances and transaction history
  • Make transfers between your accounts
  • Pay bills
  • Set extra security on your mobile device

I locked myself out of Mobile Banking—how do I reset my password?

  • On a computer, go to Mechanics Online Banking and use the password assistance link on the login page or
  • Please contact Online Banking Services at 877.265.6324.

Do I have to download anything onto my phone to use mobile banking?

No, Mobile Banking is browser-based. Any phone that has access to the Internet should be able to access Mobile Banking.  We expect our iOS (iPhone, iPad, and iPod) and Android (phone, tablet) applications to launch in the second quarter of 2013. We apologize for the delay.

Do I need to change my phone’s security settings in order to access Mobile Banking?

No. although each phone is different and we recommend contacting your mobile phone service provider if you cannot access our site.

Is the information on Mobile Banking different than Online Banking?

No, the information is pulled from Online Banking so they are the same. 

Can I change my time-out settings?

No, the time-out session is set for 5 minutes and it cannot be changed.

What transactions are not available on Mobile Banking that are on Mechanics Online Banking?

Available on Mechanics Online Banking only:

  • Set up new businesses or individuals to receive bill payments
  • View statements or check images
  • Export transactions
  • Place stop payments
  • Make scheduled transfers
  • Set up email notifications
  • Order checks
  • Set up user options
  • Access FinanceWorks
  • Access My TurboTax
**Please note that Mobile Banking is a part of our online banking service—it is not meant to replace Mechanics Online Banking. It is a convenient method for quick access to information available on Mechanics Online Banking.  We are working to make more features of Mechanics Online Banking available on Mobile Banking.

Can I receive text alerts on my mobile phone?

Yes. You can enable text alerts through the Text & Email Alerts area of Online Banking.

For additional information regarding Online Banking and Bill Pay, please contact Online Banking Services at 877.265.6324.

Additional Resources

Online Banking/Bill Pay FAQs
Text Banking FAQs
FinanceWorks FAQs
Popmoney FAQs
Using Quicken/QuickBooks