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Personal Checking Account Comparison


PERSONAL CHECKING ACCOUNT COMPARISON
Checking Accounts: Ideal for: Minimum Opening Deposit: ATM Fee Refunds: Earns Interest: Monthly Service Fee:
Smart & Easy Checking

Checking with Benefits $100 $3 per month

Access 24,000 surcharge free ATMs nationwide with MoneyPass ATM Network
No No Monthly Service Fee with any ONE of the following:
  • Monthly direct deposit to your Smart & Easy account
  • You are age 62 or better
  • $2,000 minimum daily balance in your Smart & Easy Checking account
  • $10,000 combined balances1 in Mechanics Bank deposit accounts
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts

Monthly Service Fee:
A $12 monthly service fee if none of the above criteria is met

Smart & Easy Plus Checking

Checking with even more benefits and services

$100 $9 per month

Access 24,000 surcharge free ATMs nationwide with MoneyPass ATM Network
Yes No Monthly Service Fee with any ONE of the following:
  • $10,000 combined balances1 in Mechanics Bank deposit accounts
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts

Monthly Service Fee:
A $20 monthly service fee if none of the above criteria is met

Basic Checking

Simple, low cost checking $25 N/A

Access 24,000 surcharge free ATMs nationwide with MoneyPass ATM Network
No No Monthly Service Fee with any ONE of the following:
  • Monthly direct deposit to your Basic Checking account
  • You are age 62 or better
  • You are between the ages of 15-22
  • $2,000 minimum daily balance in your Basic Checking account
  • $10,000 combined balances1 in Mechanics Bank deposit accounts
  • $25,000 in combined deposit balances1 and outstanding personal loan balances in Mechanics Bank accounts

Monthly Service Fee:
A $5 monthly service fee if none of the above criteria is met


Enjoy these additional benefits available at no charge with all Mechanics Bank checking accounts:

1Combined balances shall be defined as follows: When used for monthly service fee purposes, "combined deposit balances" means the average monthly balance of the primary checking account, together with the combined current balances (determined on the statement date of the primary checking account) in all other deposit accounts.