Personal Credit Card


Experience the unique rewards and special benefits that come with card membership. Whether you're planning your dream vacation, managing your household finances, or building strong credit for the future, we offer a credit card to meet your needs. It won't take long to find the one that's right for you. You'll find that, feature for feature, Mechanics Bank provides one of the best values in credit card convenience. These benefits make shopping, entertaining, travel and paying bills easy; safe and convenient.

For more information about our personal credit cards, you can apply online or learn more about these services. You can also apply for a personal credit card at one of our offices or contact us at 800-797-6324. The creditor, issuer and service provider of the credit card is Elan Financial Services.

We have five types of personal credit cards to choose from:

Personal Credit Card

Credit Card Features

VisaŽ Platinum Card


  • Low rates and generous credit lines


VisaŽ Signature Card


  • Earn unlimited 1% cash back, or choose from travel, gift certificates, and merchandise rewards


College Rewards
VisaŽ Card


  • 1,000 bonus points for discounted airfare, gift cards, or even cash


Co-Signer VisaŽ Card


  • Opportunity to build or rebuild credit history
  • Quick approval with a qualified cosigner


Secured VisaŽ Card


  • Opportunity to build or rebuild credit history
  • Low annual fee
  • Flexible credit lines based on security deposit ranging from $300 to $50,000



* No annual fee for all personal credit card types except Secured VISA Cards. The creditor, issuer and service provider of the credit card is Elan Financial Services (Issuer). Please view additional disclosure provided by Elan Financial Services (Issuer) prior to applying for personal credit.