Personal Online & Mobile Banking Resources

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

General Support FAQs

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How do I start using Card Controls?

  • Online banking users can login and go to “My Resources.” Mobile app users can login to the Mechanics Bank mobile app and click "More".
  • Select "Card Controls and Alerts" and review and accept the Terms and Conditions. Your debit card will be listed.
  • The initial Card Controls and Alerts screen will display your debit card with the On/Off status. Your card will be identified by the last 4 digits of your card number.
  • Set up alerts1, set spending limits and turn your card off temporarily if you’ve misplaced your card. 1Standard carrier fees for text messaging may apply.
Why don't I see my card when I click on Card Controls and Alerts in Online Banking or on my app?

There are two reasons why your card may not be displayed.

  1. The card was opened today. It takes one business day after opening a debit card before it can be viewed in online or mobile banking.
  2. Your Online/Mobile Banking registration does not match the information on the card. If you share an online banking or mobile banking login with a spouse or partner and you registered using their social security number, the card information does not match your user configuration. You will need your own registered online banking or mobile banking configuration for your card to be displayed. Call 800.797.6324 to set up your card.

I can't find my debit card. How do I turn it off until I locate it?

  • Login to online banking, go to My Resources, select Card Controls and Alerts and click the toggle to Off.
  • Login to the mobile app, tap on More and Card Controls and Alerts and slide the toggle next to your debit card to Off.

    Changes to your card status are immediate. When the card is Off, one-time transactions using your card or card number will be blocked but recurring transactions will still process. After you find your card you can switch the toggle back to On and immediately start using your card again.

    Turning off your card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Call 800.797.6324 or 800.472.3272 (after hours). Turning your card off will not stop recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers used by digital wallets (e.g. Apple Pay®, Google PayTM, Samsung Pay®) that are linked to the card will also be off. 

If I have a joint account and we each have a debit card, do my controls affect their debit card? Can I turn their card on/off?

Card Controls are based on the individual card number issued to each card holder. When you access Card Controls, only the card issued to you will appear and allow you to set controls.

What controls can I place on my debit card?

By default, your debit card is set up to be used on any transaction, for any amount, at any merchant at any location and all Alerts are enabled. As the cardholder, you have the control over what sort of transactions and how much money is allowed to be spent within a given day.

You can set controls that restrict in-person, online, ATM or phone transactions. You can also enable or disable certain types of merchants from being able to process your card. You can turn off any use of your debit card internationally or domestically, and you can make sure that it can only be used for a certain amount.

If I have multiple cards, can I choose which ones I'd like enabled?

All consumer debit cards for an individual user will be displayed. You can enable alerts and other controls for each card individually.

I tried to use my debit card and it was denied. Can you tell me why?

You may have Card Controls enabled on your card. Please check your Card Control preferences or call us at 800.797.6324.

Who can use Card Controls?

Consumers enrolled in Mechanics Bank online banking and/or mobile banking who have a Mechanics Bank debit card.

If I only have one card issued to me and I want to remove it, can I add it back in later?

Once you have an active card on display associated with your account, it can never be removed. However, you can disable any alerts, location restrictions, vendor restrictions, or transaction restrictions that you had associated with the card when you set up your account.

If you are not planning on using the card that is associated with the account in question any more, you can disable the alerts and keep the card in a secure place.

What is the Mechanics Bank routing number?

The Mechanics Bank ABA Routing and Transit Number is 121102036.

How do I reorder checks?

  1. There are a number of ways you can reorder checks:
  2. 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.
  3. In Online Banking, click on My Accounts and Reorder Checks. Your order history will be saved so it's easy to reorder.
  4. On the website, go to our Order Checks page and follow the instructions.
  5. Call Deluxe directly at 877.838.5287.

How do I enroll in Online Banking?

Online Banking enrollment is easy and takes just a few minutes. Enroll now in Online Banking.

How do I log in to my Auto Finance account?

Please go to to log in and make payments or manage your account.

How do I reset my Online Banking password?

First, double check to make sure your Login ID is spelled correctly, including any special characters and spacing. If that still doesn’t work, easily reset your password by following these steps:

Click on the Forgot Password link in the Login ID box at
Select the appropriate option to tell us where to send a temporary password.
Enter the temporary password on the following page, choose a new password, and you’re all set.

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 Banking or call 800.797.6324 and select option 1 to be connected to our automated telephone banking system.

Which mobile carriers do you support?
Our Text Banking service works on all major mobile providers in the U.S.

Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Where do I find my activation code?
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.

I still have not received my code, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough you can click the "Resend it" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.

Can I come back later to enter my activation code?
Yes. If you experience difficulties we recommend that you go through the setup process again and get a new code.

Which number do I call for Online Banking, Bill Pay or Mobile Banking support?
For assistance with online banking, Bill Pay or Mobile Banking, please call our e-Banking Technical Support Team toll free at 800.797.6324. 
For account questions, please call us toll free at 800.797.6324 during regular business hours. (Press 2 for all other inquiries)


What mobile banking options are available?

Mobile app – Deposit checks and access your Mechanics Bank accounts from your iPhone®, or Android™ device. 
Text banking – Access your Mechanics Bank accounts via text message from your mobile phone.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC.

How do I make a loan payment in Personal Online Banking or Mobile Banking?
Follow these instructions for both mobile and online banking:
  1. Log into online or mobile banking.
  2. Select “Make a transfer,” then “Transfer funds between accounts.”
  3. Using the drop down boxes to select which account your payment should come from and which loan your payment will be going to.
  4. Use the date box to select the payment date.
  5. Complete the desired amount.
  6. Select “Make a regular payment” or “Pay to principal” and you’re done.
My scheduled or recurring transfers are not showing on Online or Mobile banking. How can I fix this?
Here's how to update transfer information.
Online banking:
Log in
Move your cursor over the Make a Transfer header and select View Scheduled Transfers.
Re-establish the transfer by clicking the Make a Transfer button on the screen.
Mobile Banking:
Sign in.
Select the Make a Transfer icon at the bottom of the screen.
Select the Schedule tab at the top.
If you want to schedule a transfer please visit the Online Banking platform.
Is there a fee for Mobile Banking?
We do not charge any fees for using our Mobile Banking system. However, certain wireless providers can charge for the use of cellular data or other methods that you may use to perform your Mobile Banking tasks.
Be sure to contact your cell phone provider and ask about any fees associated with your service plan to verify the presence or absence of any web access charges or texting fees, as you will need to use both to use our Mobile Banking service.
Certain features may also cause you to incur a fee, i.e., placing a Stop Payment, or sending funds externally to/from accounts at other Banks.

What are the requirements for Mobile Banking?

Our Mobile Banking app is designed for Apple or Android devices. You can register for Mobile Banking directly from the Mobile app once you have downloaded it to your smartphone. If you do not wish to use the mobile app, you can also register for Online Banking and enable Text Banking where you will receive transaction and balance information via text messages.

How do I sign up for mobile deposit?
You can download our Mobile Banking app, available from the App Store or Google Play. Using your Online or Mobile banking credentials, sign into the Mobile Banking app, read and accept the Mobile Deposit Terms and Conditions and begin making Mobile Deposits to your account.   App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

How do I use Mobile Deposit?
Depositing your check through our mobile app is quick and easy. You simply log into your Mobile Banking app, select More, then Check Deposit and select the account that you’re making the deposit into and enter the amount of the deposit. After that, you will endorse the back of the check with "For Mobile Deposit Only at Mechanics Bank". Snap a picture of the front and back of the check and submit your deposit. You will be notified if there are any problems with the pictures you upload. You will receive confirmation of the deposit through the app and to your email.
Who is eligible for Mobile Deposit?
Mobile Deposits are available for any customer who is 18 years of age or older and has a checking or savings account with us and has accepted the Mobile Remote Deposit Services Agreement. While eligibility is subject to change, we want to enable as many customers as possible to utilize this deposit method, which is convenient and easy to use.
You are encouraged to refer to our Mobile Remote Deposit Services Agreement to fully read the criteria for using our Mobile Deposit system.

What is the minimum deposit limit on Mobile Deposit?
The minimum deposit is $0.01.

What is the cutoff time for Mobile Deposits?
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.

When will my deposit(s) be available?
Deposits are subject to verification and are generally available on the second business day after the deposit except for deposits made on Saturdays, Sundays and holidays, when the deposit will generally be available for withdrawal on the third business day. If a hold is placed on a deposit you will be notified.

What devices are supported by Mobile Deposit?
Mobile Deposit is available with the Mechanics Bank mobile banking app for the iPhone®, Android™ phones, iPad® (2nd generation or newer), and iPod®.
iPhone, iPad and iPod are trademarks of Apple Inc., registered in the U.S. and other countries. Android  is a trademark of Google LLC.

What types of checks can I deposit?
You can deposit checks payable in U.S. dollars and drawn on any U.S. bank, credit union, or savings and loan.

What types of checks CANNOT be deposited using Mobile Deposit?
Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you)
Checks payable to you and another party who is not a joint owner on the account
Checks that contain evidence of alteration, whether or not authorized by the maker of the check, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
Checks that are postdated or more than six (6) months old
Checks drawn on a foreign bank or payable in a foreign currency
Checks payable to “Cash”
Substitute checks (i.e., paper checks created from an electronic image)
Money orders
Travelers checks
U.S. Savings Bonds
Checks that have previously been returned unpaid for any reason

What should I do with my paper check?
After you receive confirmation that we have received an image, securely store the original check for 14 days after it posts to your account. Promptly after the 14 days expire, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction.
Do I need to sign my check?
All checks must be endorsed with your signature and specifically marked “For Mobile Deposit at Mechanics Bank Only.”

How do I make a deposit to a specific account if I have more than one?
You can make a deposit to a specific account by clicking in the “Deposit to” box. A drop-down list of your accounts will be displayed. Click on the account that you wish to make the deposit to and continue.

What is the maximum deposit limit on Mobile Deposit?
Your maximum deposit limit for your Mobile Deposits may vary based on your individual account type. While limits are subject to change without notice, different types of accounts are subject to different deposit limits.
To see the maximum amount of Mobile Deposits associated with your account, you can look at the field that is labeled “Amount” when you're making a deposit. These limitations are put in place to protect your account against any sort of fraud attempts.

How many mobile deposits can I make in one day?
There is not a limit on the number of mobile deposits you can make in one day. However, you are only allowed to deposit the maximum daily amount allowed by your account.
Your current mobile deposit limit is shown in the field marked Amount when you are making a mobile deposit.

Who can I pay with Bill Pay?

Bill Pay can be used to pay anyone in the United States that you would typically be able to pay with check or automatic debit options. Even if the person or company that you’re setting up Bill Pay with doesn’t send you bills, you can add them to your Bill Pay plan to utilize the system for that.

Bill Pay can be used to send scheduled payments to companies of any size, family members, child care providers or anyone else that you would typically send money to on a certain time each month. If the person or entity that you’re trying to send money to isn’t set up to receive it automatically, the Bill Pay system prints a check and sends it to the address you provided when you added the bill to your plan.


Why is my account no longer available within Bill Pay?

Accounts that have been changed to an alternate type of account will no longer be available within our Bill Pay system. If your checking account has recently been changed to a savings account or a money market account, the system will remove your account from your Bill Pay screen.

Accounts such as money market accounts or savings accounts are not supported by our Bill Pay service, and therefore will not show up within the Bill Pay system.


Which number do I call for Online Banking, Bill Pay or Mobile Banking support?

For assistance with online banking, Bill Pay or Mobile Banking, please call our e-Banking Technical Support Team toll free at 800.797.6324. 

For account questions, please call us toll free at 800.797.6324 during regular business hours. (Press 2 for all other inquiries)

How do I sign up for Text Banking?

You need to be registered to use Online Banking before you can use Text Banking. Once enrolled in Online Banking, you can register your phone by choosing "Alerts & Notifications" in the My Settings menu.

Is Text Banking secure?

Our Text Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain account numbers, only account nicknames.


Will I be charged for Text Banking?

We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.


Will Text Banking work on my phone?

Yes, as long as you have text messaging enabled with your mobile carrier.  Please check with your mobile carrier if you are unsure.

How do I deactivate Text Banking service?

You can text back "stop" to 454545 on your activated cell phone, or you can return to the mobile banking page and click the “deactivate” link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.


What is a “Primary” Text Banking account?

Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check the most often.  If you have multiple accounts, you can designate your “Primary” account in Online Banking under the “Alerts & Notifications” in the My Settings menu.


Are the commands for text banking case sensitive?

No, keywords are not case sensitive. You can type “help” or “HELP.”


Is there any password needed for Text Banking?

No. To setup text banking, you must have online banking access which is password protected but no additional password is needed for text banking.