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Compare Our Debit Cards


Mechanics Bank was one of the first California banks to offer the convenience of the enhanced MasterCard ® Debit Card. We now offer anytime, anywhere access to your cash and numerous merchant locations. On top of that, we won't charge you to use your debit card like some other banks do. Open a Smart & Easy Checking Account and discover one of the best benefits of being a Mechanics Bank client.

DEBIT / ATM CARD COMPARISON
Debit MasterCard ® ATM Card
Do I need to qualify for this card? No No
Does it work like an ATM Card? Yes Yes
Can I use it in place of cash or checks? Yes, wherever debit MasterCard™ is accepted. At various supermarkets, and wherever you see the Star ® System logo.
Can I still write checks? Yes Yes
Is it a credit card? No No
Is there an interest charge? No (purchases are deducted from your checking account) No (purchases are deducted from your checking account)
Is there an annual fee for the card? No No
Is there a transaction fee? No** No**
Is it accepted wherever Debit MasterCard™ cards are accepted? Yes At selected locations.
Is there an ATM fee rebate? Yes, with eligible account. Yes, with eligible account.
How will transactions appear on my monthly checking account statement? Each transaction will be individually listed and you reconcile your statement as always. Each transaction will be individually listed and you reconcile your statement as always.

* Customers with an account balance or combined deposit account balances of $5,000 or more are eligible to receive a Gold Debit Mastercard.

** Mechanics Bank does not charge its customers for using Mechanics Bank's ATM machines or other bank's ATM machines. Other banks may charge Mechanics Bank customers for using their ATM machines. However, those charges can be refunded with a qualifying deposit account. Excluded from refunds are ATMs located in gaming establishments and foreign countries. There is no Mechanics Bank transaction fee for point of sale use.