Personal Savings Accounts

With a minimum opening deposit of only $25, our Personal Savings account gives you quick and safe access to your money. Your Personal Savings account can be linked to your checking account and used for overdraft protection. You can also set up transfers to and from your checking account through Online Banking.

Club Savings accounts are designed to let you stash away some money each month so it is available in time for the holiday rush at the end of the year. Funds can be added automatically throughout the year before being disbursed to you in one lump sum near year’s end.

You can also consider a Health Savings account, which allows you to build up money tax-free that can be used for current or future medical bills.

Here's what you'll get with all of our accounts


Overdraft Protection

Link your accounts and use as overdraft protection for your checking account1.

File percentage

Competitive Interest Rates

Help build your future by earning interest on a savings account.

Transfer arrows

Automatic Transfers

Set up automatic transfers to or from your Personal Savings

Electronic devices

Online & Mobile Banking

Securely access and manage your accounts from the convenience of your home computer or mobile device.

Bell ringing

Custom Alerts

Be aware of important account changes like a low balance, pending deposits, upcoming bills and more.

Receipt with dollar sign

Convenient ATM Network

Enjoy the freedom to get cash where you want, when you want without ATM fees using our partner ATM network2.

Personal Savings

Our Personal Savings account is designed for individuals who want safe and easy access to their funds.

  • Set up automatic transfers to or from your Personal Savings account
  • Link to your personal checking account for overdraft protection1
  • 24/7 access to your account through Online Banking or Automated Telebanking at no charge
  • ATM access with your ATM or Visa® Debit Card (point-of-sale purchases not allowed)
  • Minimum opening deposit: $25 ($5 for minors)
  • Monthly service charge is $5, which is waived for minor accounts, qualifying students ages 18 through 24, and for accounts with an average monthly collected balance of at least $300 or when the account is linked with a Mechanics Bank personal checking account for overdraft protection 



1. Overdraft protection transfer fee applies. See Schedule of Fees and Charges.
2. Subject to change at any time without notice.

Club Savings


Our Club Savings account allows you to set aside funds automatically throughout the year. The funds are disbursed to you in one lump sum toward the end of the calendar year.

  • Automatically save for holiday expenses
  • Minimum opening deposit is $25


Health Savings

Our Health Savings account allows you to build up savings tax-free to pay for current and future medical expenses.

  • Use your savings to pay for qualified medical expenses for yourself, your spouse or your dependent children
  • Minimum opening deposit is $25
  • Monthly service charge is $3 


Get started today!

With branches spanning everywhere from the Imperial Valley to the Cascades, and from the coastal cities and towns to the Sierra Nevada foothills, we serve California. Find your local branch.