Compare Checking Accounts

Compare Checking Accounts

Essential

A simple and convenient checking account that gives you more control of your money.

How to apply
  • $25

    Minimum Opening Deposit
  • $7

    Monthly service charge

  • Ways to waive the monthly service charge
    •$1,000 average monthly collected balance OR
    • Primary Account Holder is a qualifying student, ages 14-24 OR
    • Primary Account Holder is age 55 or older OR
    • A deposit is made to the account during the statement cycle
  • included

    Online Banking with Bill Pay, Mobile & Text Banking1
  • included

    Visa Contactless Debit Card
  • included

    Surcharge-free access to an extended network of MoneyPass® ATMs nationwide2

  • Discounted initial order of Mechanics Bank checks (includes taxes, shipping and handling)5
  • not included

    Mechanics Bank out-of-network ATM withdrawal fee rebate (per statement cycle)3
  • not included

    Out-of-network ATM operator fee rebate (per statement cycle)4
  • not included

    Annual safe deposit box rental fee discount
  • not included

    Incoming wires rebate
  • not included

    Overdraft fee rebate (per statement cycle)
  • not included

    Overdraft transfer fee rebate6
  • not included

    Stop payment fee rebate
  • not included

    Paper statement fee waiver
  • not included

    Interest bearing

Advantage

All the features and benefits of our Essential account, plus more.

How to apply
  • $25

    Minimum Opening Deposit
  • $16

    Monthly service charge

  • Ways to waive the monthly service charge
    • $5,000 average monthly collected balance in your Advantage Checking account OR
    • $20,000 average monthly combined balances in all eligible Mechanics Bank accounts
  • included

    Online Banking with Bill Pay, Mobile & Text Banking1
  • included

    Visa Contactless Debit Card
  • included

    Surcharge-free access to an extended network of MoneyPass® ATMs nationwide2

  • Discounted initial order of Mechanics Bank checks (includes taxes, shipping and handling)5
  • One

    Mechanics Bank out-of-network ATM withdrawal fee rebate (per statement cycle)3
  • Up to $3

    Out-of-network ATM operator fee rebate (per statement cycle)4
  • not included

    Annual safe deposit box rental fee discount
  • not included

    Incoming wires rebate
  • not included

    Overdraft fee rebate (per statement cycle)
  • not included

    Overdraft transfer fee rebate6
  • not included

    Stop payment fee rebate
  • not included

    Paper statement fee waiver
  • not included

    Interest bearing

Premier

An interest-bearing account that offers all of the perks, as well as other exclusive benefits.

How to apply
  • $25

    Minimum Opening Deposit
  • $24

    Monthly service charge

  • Ways to waive the monthly service charge
    • $25,000 average monthly collected balance in your Premier Checking account OR
    • $50,000 average monthly combined balances in all eligible Mechanics Bank accounts OR
    • The primary owner of the Premier Checking account is a primary owner of a Mechanics Bank Wealth Management account
  • included

    Online Banking with Bill Pay, Mobile & Text Banking1
  • included

    Visa Contactless Debit Card
  • included

    Surcharge-free access to an extended network of MoneyPass® ATMs nationwide2

  • Complimentary initial order of Mechanics Bank checks (includes taxes, shipping and handling)5
  • Unlimited

    Mechanics Bank out-of-network ATM withdrawal fee rebate (per statement cycle)3
  • Unlimited

    Out-of-network ATM operator fee rebate (per statement cycle)4
  • $20

    Annual safe deposit box rental fee discount
  • included

    Incoming wire fee rebate
  • Up to $35

    Overdraft/returned item fee rebate (per statement cycle)
  • included

    Overdraft transfer fee rebate
  • included

    Stop payment fee rebate
  • included

    Paper statement fee waiver
  • included

    Interest bearing