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

* 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. There is no Mechanics Bank transaction fee for point of sale use.


Gold Debit MasterCard ® Rebate Program Rules
Mechanics Bank Gold Debit MasterCard® Card Rebate Program ("Program") allows you to earn a 0.25% rebate, not to exceed $500, on all Qualifying Purchases made during each Program Year. Your participation in the Program begins automatically when you open a Card.

Qualifying Purchases.
Qualifying Purchases are signature based transactions for goods and services charged to your primary checking account ("Account") using your Gold Debit MasterCard ® ("Card"), less any credits for returned items or adjustments. Nonqualifying transactions include cash withdrawals, transfers, and PIN-based purchases through STAR or Maestro locations. The Program is based on individual usage of a Gold MasterCard Debit Card ("Card"). If an Account is linked to more than one Card, each Card will be separately eligible for participation in the Program.

Program Year.
The Program Year is November 1 through October 31 of the following year. A Card may begin participation in the Program at anytime during the Program Year. NOTE: Transactions on October 30 or 31 may not post before the end of the Program Year. Should that occur, those transactions will be included in the following Program Year.

Minimum Qualifying Purchases.
A rebate will be paid so long as the Card has $200 in average monthly Qualifying Purchases during the Program Year. If the Card is opened after November 1, the rebate will be based on the total amount of Qualifying Purchases, prorated for each full month when the Card was opened until the end of the current Program Year. For example, if the Card is opened on July 31, a total of $600 of Qualifying Purchases would be required by the end of the Program Year to earn a rebate.

Eligibility.
To be eligible for payment of the rebate, the Card must meet the requirements for minimum Qualifying Purchases. In addition, the Account and the Card must be open and in good standing as of October 31 of the Program Year.

Payment of Rebate.
Rebates will be paid each November for Qualifying Purchases in the immediately preceding Program Year, by credit to the primary Checking Account.

Amendment or Termination.
The Bank reserves the right to amend or terminate the Program at any time.