External Link Disclosure

By accessing this link, you will be leaving Mechanics Bank's website and entering a website hosted by another party. Mechanics Bank has no responsibility for or control over the content of that web site and does not attest to the accuracy, privacy, security, or propriety of any information located there. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Mechanics Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Mechanics Bank.

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Using the "Take Me To" links

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Online Banking's "Take Me To" feature allows you to choose what online banking page you would like navigate to when you sign in. This allows added convenience for you - navigate to a specific area for faster service!

To use the "Take Me To" feature, enter your Access ID. Then from the drop down menu, choose your destination and click "Log In." Once you log in, you will be taken to your chosen page.

The default to the "Take Me To" feature is Account List, which is the Online Banking home page. Other options include: Express Transfer, Primary Account Summary, Stop Payments, User Options, Nicknames, Transaction Search, and Transaction Export.

Where do I enter my password?

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We are changing the way you sign in to Online Banking to better safeguard the privacy and security of your personal information. Previously, you signed in to Online Banking using your Access ID and Password. From now on, you'll also use your Enhanced Online Security feature, which consists of an authentication image and authentication pass phrase. Here's how this new service will work:
  • You'll enter your Access ID and click the Log In button.
  • On the next page, your authentication image will then be displayed. If you recognize your authentication image, you'll know you can safely enter your Password. If you don't recognize your authentication image and pass phrase when you log in, do not enter your password.
  • Your authentication image and pass phrase helps you know for sure that you are at the valid Mechanics Bank website.
NOTE: If you have not yet created your personalized authentication image and pass phrase with our Enhanced Online Security feature, you will be prompted to do so before you can sign in to Online Banking.
 
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Business Checking

BUSINESS CHECKING ACCOUNT COMPARISON
Business Checking Accounts: Ideal for:
 Minimum Opening Deposit:
 ATM Fee Refunds:
 Monthly Service Fee: Learn More:
Free Business Checking Basic Business Checking $100 Not Available

None

Compare our offer to other banks

Relationship Business Checking
Full Featured Checking		 $100 Unlimited

No monthly service charge with any ONE of the following:

  • $5,000 minimum daily balance; OR
  • $7,500 average monthly balance; OR
  • $15,000 combined balance‡ (for sole propietors only, combined balance may include business and personal deposits and loans); OR

Any ONE of the following processed monthly through the Relationship Business Checking Account:

  • 5 or more monthly online bill payments through Mechanics Bank business online banking; OR
  • Automatic payment to any Mechanics business or personal loan; OR
  • Payroll services through Mechanics Bank preferred provider; OR
  • Merchant Services through Mechanics Bank preferred provider

Monthly Service Fee:
$10 when one of the above criteria is not met

Merchant Business Checking Small to Mid-size Businesses $100 Unlimited

No monthly service charge with any ONE of the following:

  • $10,000 minimum daily balance; OR
  • $15,000 average monthly balance; OR
  • $30,000 combined balance‡

Monthly Service Fee:
$20 when one of the above criteria is not met

Community Partner Checking Non-Profits $100 Not Available

None
Business Interest Checking Sole Proprietors and Non-Profits $100 Unlimited

No monthly service charge with any ONE of the following:

  • $5,000 minimum daily balance; OR
  • $10,000 average monthly balance; OR
  • $20,000 combined balance‡

Monthly Service Fee:
$12 when one of the above criteria is not met

Premium Analyzed Checking Larger Businesses

 $100 Not Available

Monthly Service Fee:
$16 plus activity charges in excess of earnings credit

Some or all of the fees and services charges can be offeset by earnings credits received on qualified accounts with Mechanics Bank Various activity and service fees apply based on volume and services provided. Talk to your banker for more information based on your business.


When a business checking account does not meet specific account requirements or experiences excessive transaction or cash handling activity or routine uncollected funds, the Bank may decide to convert that account to a more appropriate account type. For Free Business Checking and Community Partner Checking, excessive transactions or cash handling activity is defined as 1.) more than 100 combined items per month (combined items include deposits processed, items deposited and checks paid) or 2.) more than $2,500 in coin and/or currency are deposited or furnished per month. If the Bank does decide to convert your account, you will be notified in advance and provided information regarding the benefits associated with your your new account type.


‡ Combined balance shall be defined as follows: When used for service charge purposes, "combined balance" means the average monthly balance of the primary checking account, together with the combined current balances (determined on the statement date of the primary checking account) in all other business deposit and loan accounts.