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Mobile Remote Deposit
When it comes to keeping you in touch with your money, we have multiple options for accessing your account via your mobile devices.
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Mobile Banking FAQs
The only requirement is that you are registered for Online Banking. To sign up, click here.
Once that’s established you can download the appropriate app for access, or go into your Online Banking and activate your mobile device for Mobile Web Banking or Text Banking.
Mechanics Bank does not charge a fee for any method of Mobile Banking. Please check with your wireless provider about your service plan and any web access charges and/or text charges.
Sign on to Online Banking to cancel the service for your device. Go to “My Accounts,” click on “Manage Alerts and Notifications” and deactivate your registered mobile device from your Mobile Banking service. You can register your new device when you're ready to use Mobile Banking again. You should also contact your wireless carrier so your phone can be deactivated and protected from unwanted charges.
Mobile Deposit is a free1 service available through the Mechanics Bank Mobile Banking app for:
To get started with Mobile Deposit, update your Mobile Banking app to the latest version, login to Mobile Banking using your Online Banking user ID and password, and select “Deposit Checks” (iPhone/iPod) or “Deposits” (iPad/Android) from the Mobile Banking menu. After you review and agree to the Mechanics Bank Mobile Remote Deposit Services Agreement, you can start using Mobile Deposits using these few simple steps:
1Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan. Regular account charges apply. Mobile Deposit service is for personal checking or savings accounts only and is subject to eligibility. Deposit limits and other restrictions apply. iPhone, iPad and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Mobile Deposit FAQs
Mobile Deposit is a feature available through Mobile Banking that lets you deposit a check by using the camera on your mobile device. Simply take a picture of the front and back of your endorsed check and submit it for deposit to your checking or savings account. Mobile deposit is available on the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.
Mechanics Bank mobile banking customers who are at least 18 years of age, have a checking or savings account and who have accepted the Mechanics Bank Mobile Remote Deposit Services Agreement are eligible for Mobile Deposit. Eligibility is subject to change. Please refer to our full Mobile Deposit Agreement for complete details.
Mobile Deposit is part of our Mobile Banking app, and to use Mobile Banking you must be a consumer Online Banking customer. To sign up for Online Banking, click here. Once you have successfully logged into Online Banking, download Mechanics Bank’s Mobile Banking app from the Apple, Google play or Amazon App stores. You will use your Online Banking login credentials to sign into Mobile Banking, which gives you access to the Mobile Deposit feature.
Limits are subject to change without notice.
What is the minimum deposit limit on Mobile Deposit?
The minimum deposit is $0.01.
While there is no limit to the number of deposits that may be made in a day, there is a maximum dollar amount that can be deposited per month. The total combined dollar amount of all checks deposited cannot exceed that monthly deposit maximum.
On business days (Monday-Friday, except holidays), before 4 pm Pacific time.
Deposits are subject to verification and are generally available two (2) days after the deposit except for deposits made on Saturdays, Sundays and holidays, when the deposit will generally be available for withdrawal on the third day. If a hold is placed on a deposit you will be notified.
Mobile Deposit is available with the Mechanics Bank mobile banking app for the iPhone® and Android™ phones, iPad® (2nd generation or newer), and iPod® touch.
You can deposit checks payable in U.S. dollars and drawn on any U.S. bank, credit union, or savings and loan.
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.
All checks must be endorsed with your signature, the account number to which the deposit is being made and specifically marked “For Mobile Deposit Only.”
There are no fees for using Mobile Deposit. Please check with your wireless provider about carrier and web access charges.
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.
Mobile Web Banking
After you have successfully logged into our Online Banking system and set up your security settings, you can login into Mobile Web Banking on your mobile device by visiting mechanicsbank.com and selecting Login.
This link will direct you to our Mobile Web Banking website login page, where you'll login using your same User ID, Password, and Enhanced Login features that you currently use with Online Banking.
For your convenience, you can also create a shortcut to mechanicsbank.mobi on your mobile phone's browser.
Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan.
Mobile Web Banking FAQs
Through Mobile Web Banking, you can use any phone or mobile device that can access the web through a mobile web browser to access your account information. Our Mobile Banking apps are available for iPhone, iPad, iPod Touch, and Android phones.
After you have successfully accessed Online Banking and set up your Enhanced Login Security, you will use the same User ID and Password to login to Mobile Web Banking.
You can access the login for Mobile Web Banking by typing either of the following links into your mobile device's web browser:
If you use Online Banking, you can access your account information through Mobile Web Banking using the same security credentials. You need to be registered and have successfully logged into Online Banking before you can login to Mobile Web Banking. We do not currently offer Mobile Web Banking access for our Business Online Banking system.
Yes, Mobile Web Banking is as safe as Online Banking. Continue to protect your user ID and password like you would for Online Banking–don’t store on the phone or on the browser. We offer enhanced security for your mobile device. You will be asked challenge questions unless you add enhanced security to your mobile device.
To learn additional tips on being secure using Online Banking and Mobile Web Banking, visit our Security & Fraud Prevention Center
Once you choose the 'Login' option, you are on the secure site and you will answer challenge questions just like you would if you were logging into Online Banking from a computer. You may set extra security on your mobile phone or choose to answer challenge questions. It works just like Online Banking, using SSL encryption.
On a computer, go to Online Banking and use the password assistance link on the login page or contact Online Banking Services at 877.265.6324.
No. Mobile Web Banking is browser-based. Any phone that has access to the Internet should be able to access Mobile Web Banking.
No, although each phone is different and we recommend contacting your mobile phone service provider if you cannot access our site.
No, the information is pulled from Online Banking so they are the same.
No, the time-out session is set for 5 minutes and it cannot be changed.
The following are NOT accessible via Mobile Web Banking:
Note: Mobile Web Banking is part of our Online Banking service—it is not meant to replace Online Banking. It is a convenient method for quick access to information available on Online Banking. We are working to make more Online Banking features available on Mobile Web Banking.
Yes. You can enable text alerts through the Text & Email Alerts area of Online Banking.
For additional information regarding Mobile Web Banking, please contact Online Banking Services at 877.265.6324
Text keywords to 454545 to receive:
1Mechanics Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply depending on your service plan.
2The Primary account is the account designated during enrollment for which you will receive balance information when texting "BAL".
Text Banking FAQs
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 "Mobile & Text Alerts" in the Online Banking menu.
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.
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.
Yes, as long as you have text messaging enabled with your mobile carrier. Please check with your mobile carrier if you are unsure.
Our Text Banking service works on all major mobile providers in the U.S.
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.
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
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.
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.
Yes. If you experience difficulties we recommend that you go through the setup process again and get a new code.
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 “Text and Email Alerts” tab.
No, keywords are not case sensitive. You can type “help” or “HELP.”
You don't need a password to access your account information via text message.
Yes, you first need to deactivate your cell phone and add your new cell phone number. You can do this within Text Banking set up.
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