Personal Banking FAQs

Get answers to common questions about the features and benefits of Mechanics Personal Banking.

Personal Banking FAQs

I've lost my phone or tablet, what should I do?

Call 800.797.6324 to notify us of the lost phone or tablet. We can quickly deactivate your mobile device from your Mobile Banking service..

You can also login to Online Banking, go to “My Accounts” and click on “Manage Alerts and Notifications.” You will see an option on this screen that allows you to deactivate your registered mobile device from your Mobile Banking service. You will follow the same steps to register your new mobile device when you’re ready to begin online banking again. You should also contact your wireless carrier so your phone can be deactivated and protected from unwanted charges.


When do I start earning interest on deposits to my savings account?

Interest begins to accrue on the business day we receive credit for your deposit. For cash, wire transfers and electronic direct deposits, interest begins to accrue on the business day of your deposit.


How is interest paid on my savings account?

Interest is simple and not compounded. Interest for Personal Savings is calculated daily on your ledger balance and, if combined with your checking statement, is credited to your account monthly. Otherwise, interest will be credited quarterly.


Is there a minimum opening balance for a savings account?

Yes, there is a minimum balance required to open a savings account. Visit our savings account comparison page for details.


Why are debit card transactions being denied?

In order to protect our clients from incurring debit card fraud, we have improved our debit card monitoring capabilities, which might require payment validation. We have the ability for you to receive real-time fraud notification to validate by text, or email if the transaction was actually created by you. Customer Care or any branch can assist you in setting up your debit card fraud alerts. 


What options do customers have for overdraft protection?

Customers have a number of options for overdraft protection including: Overdraft transfer from a deposit account (with like ownership) and Overdraft transfer from a Personal or Business Reserve Account (line of credit). VIsit the Overdraft Services page for details. 

What is the cutoff time for deposits made at an ATM?

Deposits made before 6:30 PM PST on business days (Monday - Friday, except federal holidays) will start processing that day. Deposits after 6:30 PM PST on business days will start processing the next business day.


How can I view my same-day point of sale (POS) transactions?

You can view all point of sale (POS) activity from your debit card in Online Banking and via our touch tone banking system.  In Online Banking, select your account, POS transactions will appear as “Pending” transactions at the top of the transaction list.  In our touch tone banking system, the checking menu option #2 “Review Transactions” then #2 “Pending Transactions”.  This will play back the last 5 pending transactions on the selected account.


How do I reorder checks?

There are a number of ways you can reorder checks:

If it's the first time you are ordering checks, ask a Banker at the branch where you opened your account or call 800.797.6324. Reorders can also be placed this way.

In Online Banking, click on My Accounts and Reorder Checks. Your order history will be saved so it's easy to reorder.

On the website, go to our Order Checks page and follow the instructions.

Call Deluxe directly at 877.838.5287.

How do I report account fraud?

If you suspect that your account has been accessed without your consent, call us immediately at 800.797.6324 for assistance.


How do I check my account balance or look at transactions?

You have access to your account balance and transaction history 24 hours a day, 7 days a week. Log in to Online or Mobile Banking or call 800.797.6324 and select option 1 to be connected to our automated telephone banking system.