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Search for Mechanics Bank apps on the App Store, Google Play or Amazon App Store to download.
Videos & demos
Bill Pay FAQs
Save yourself the hassle of writing checks, buying stamps and hitting the mail on the right day. To access Bill Pay, you must first be signed up for Online Banking.
You can pay anyone within the United States that you would normally pay by check or automatic debit. Even if you don't receive bills from the company or person you want to pay, you can still add their information to make payments. You can pay large companies and small companies, as well as individuals such as child care providers or family members. When you submit a bill payment, the system sends the payment electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the address you provide when you added your bill.
You cannot use Bill Pay to pay any company or person with an address outside the United States or its territories.
You can be assured that your electronic payments are safe and reliable. When your payments are processed you are protected in the unlikely event of unauthorized transactions or processing delays.
If your checking account recently changed to another account that is not supported by Bill Pay service (i.e., savings, money market) then the account is no longer available to select as a funding account.
Adding and managing accounts at other institutions
FinanceWorks maintains links with many other financial institutions in the United States. If you have accounts at any of these participating financial institutions, you can add them here. Start by typing your other financial institution's name in the search box, and a wizard will walk you through the process.
Most financial institutions allow you to add multiple kinds of accounts – including car loans. If you don't see your car loan here, that's likely because your other financial institution has opted not to make it available.
The number of days stored in history will vary by financial institution. Generally, up to 90 days of history are immediately available. However, history may be available up to 24 months.
Yes, there are some firms that you can add. Please note that with investment accounts, you won't be able to see every detail of your holdings in each security; you can only track some limited transactions and your balances.
FinanceWorks will refresh your account information automatically. You may also click on the "Refresh" button on the top of the page.
Yes, you must change your Online Banking password for each account held at the bank/credit union that you view in FinanceWorks. If you don't, FinanceWorks can't refresh that account information. Go to each applicable account and click on the "Change Sign-in Information" link.
FinanceWorks will request the MFA required by your other financial institution. This may be an answer to a challenge/secret question, entering a passcode provided by your institution or other MFA required element.
FinanceWorks obtains transactions nightly. The exact time varies daily.
If you want to view transactions from today, click on "Refresh this Account." All your accounts at that financial institution accessible by the same sign-in information will be updated at the same time. You can also click the refresh button on the home page (under Accounts) to manually refresh all accounts.
There can be a one-day delay, depending on when your credit union/bank makes transactions available.
Bills and reminders
Yes, click on the Make Payments link under Other Tools to access Bill Pay. The Reminder section in FinanceWorks is a great way to remind you to set up or pay those bills! This list will build based on past transactions. You can delete reminders for payments that FinanceWorks thought were regular payments. And you can add your own bill reminders.
Yes, click on the Make Payments link under Other Tools to access Bill Pay.
FinanceWorks creates reminders for you based on past transactions that regularly occur. If an existing reminder isn't needed, you can delete it.
FinanceWorks selects your four (4) most active categories. Any categories that are for fixed expenses, like Rent, are not selected. You can add and delete any categories you wish.
FinanceWorks goes back three (3) months from today's date, then starts at the first of that first month. It adds up spending for that category, then divides by the number of months that actually had activity. "Target" would be a better way to think of this.
Black bar = today's date. Gray bar = how much you've spent in relation to your budget. Green bar = amount remaining to spend.
With Projected Balance, you can enter upcoming transactions to see what you'd have left in an account if expenses or deposits scheduled through today would clear your financial institution immediately. Because reminders are also part of Upcoming Transactions, they are included in Projected Balance.
Projected Balance is calculated by taking your current balance and adding or subtracting any upcoming transactions you've entered. You can't edit it per se, but you can change it simply by adding transactions.
Click on the account name hyperlink to view transactions for one specific account. Click the Transactions tab to view all transactions. You can also select your date range.
You're correct that FinanceWorks will double those expenses. To keep that from happening, you should categorize the checking account expense as "Transfer Out." FinanceWorks will then exclude that expense from your spending reports.
You should categorize the return as an expense, with the same category as the purchase. So if you bought a lawn mower and then returned it, by categorizing both the purchase and the refund as "lawn and garden" expense, they will cancel each other out in your spending reports.
Click on the transaction you want to delete within the list of transactions for that account, then click the Delete link at the top of that table.
First of all, remember that if you change one transaction now to "lawn and garden," all future expenses will be categorized the same. In addition, whenever you re-categorize a transaction, FinanceWorks asks if you want to re-categorize all past transactions to that payee. To re-categorize multiple transactions at once, go to Trends, select your desired date range and check the boxes for the desired accounts. Below the pie chart, click the View by Payee radio button. In the table, click the Payee that you want to re-categorize, and select the new category from the dropdown. Click anywhere else on the page and then answer the prompt to keep your changes.
Not directly. You download them first into .csv format, then import into Excel. When you use the download feature, it downloads all transactions in the selected date range, regardless of whether they've been previously downloaded.
It takes into account all your accounts (both at your host financial institution as well as accounts at other financial institutions that you've set up to display in FinanceWorks), plus any Properties you've entered, such as your car and house.
There's no limit. You can even have multiple properties of the same type, such as multiple cars. And they do not have to be actual properties. For instance, you can add a personal loan that's not tracked in FinanceWorks.
There are multiple pie charts you can look at. For instance, you can look at the spending for one account by going to that account and clicking the Pie Chart tab. However, you may want to track your spending across all accounts. On the Home tab, you'll see a pie chart for your spending in the period you selected. To drill down, click on the Trends tab at the top. This displays the same pie chart; however, in this view, you can click on a "piece" of the pie, then click View Transactions on the table below for that category and look at the details for that spending.
How long have you been using FinanceWorks?
If your answer is anything less than 9 months: When you first started using FinanceWorks, up to 90 days of your account history displayed immediately. In order to get a year's worth of spending report data, you must use FinanceWorks for an additional nine months. Remember that some of the accounts you added at other financial institutions may not have started off with 90 days, so it may take longer to build up to a year's worth of data for them.
If your answer is anything greater than 9 months: Go to the Trends tab. You can drag the start and finish dates of the adjustable bar across the top of the screen and set the start date to a year ago. A pre-set list of date options can also be chosen from the dropdown menu.
Yes. Simply click on the + Add link next to the word Category wherever you see it.
The totals are based on which accounts you have selected (check the boxes next to the desired accounts on the left hand side of the Home screen) and which timeframe you have chosen (use the slide bars across the top or choose a pre-set time from the dropdown menu).
FinanceWorks helps you prepare for taxes in two ways. Tax Watch is available to you throughout the year, and a link to TurboTax Online Banking is available from December 15 to April 16.
Tax Watch by default displays your information on Charity/Donations and Childcare/Daycare, with all those transactions for this calendar year listed out already. You can add additional categories by clicking on the Find More tab. Keep in mind that the history in Tax Watch only goes back as far as your history in FinanceWorks. So if you started using FinanceWorks partway through a tax year, the tax information in Tax Watch may be incomplete. Instructions at the bottom tell what you should and should not use this tool to track, mainly deductions for which you receive a tax form. Consult your tax advisor.
If this was your very first time logging into FinanceWorks, it is slow because it's compiling all of your account information. If it's not your first time but it's been awhile since you logged in, it will take some time to compile the transactions that occurred since your last login. We recommend you log in about once a week to keep the login process fast.
FinanceWorks times out after 20 minutes of inactivity. Remember it's a single sign-on product through Online Banking, so if you've gone back to your Online Banking session and are working there, you will time out of FinanceWorks after 20 minutes.
Yes, you should because then FinanceWorks will stop trying to aggregate your information from all your financial institutions. Login to FinanceWorks and click the Settings link in the upper right. You can unenroll yourself from this screen.
MyTurboTax® FAQs & Facts
Is filing my tax return online secure?
Complete your tax forms within a safe and encrypted environment accessed only through our secure Online Banking.
How do I access my TurboTax?
Getting help accessing and using My TurboTax
Filing your taxes
Mechanics Bank does not charge for this service. TurboTax prices are subject to change without notice. Visit www.turbotax.com or click on the My TurboTax button from within your Online Banking session for complete offer details, pricing and available products.
Intuit and TurboTax are registered trademarks of Intuit, Inc. The MyTurboTax link may only be available during tax season.
Popmoney® (Pay Other People)
The money you send and receive using Popmoney ultimately transfers from bank account to bank account. You only need to know someone's email address or mobile phone number to send money. The recipient will be notified via the method you choose (email or text message), and can decide where they want the money deposited. If you know the recipient's bank account information, you can direct money straight into an account as well. Your transaction may be completed in as few as three (3) business days, and you will be notified when the transaction is complete.
Many ways to use Popmoney
Popmoney offers an alternative to using cash and checks, and can be used in a variety of ways:
Popmoney FAQs and facts
To send money, login to Online Banking and go to Move Money and then Send Money By Email Or Text. Send money to anyone in the US with a bank account by using his or her email address or bank account information. Your transaction may be completed in as few as three (3) business days, and you will be notified when the transaction is complete.
The recipient will receive an email or text message that someone is sending them money. If the recipient is already a user of Popmoney, they will be directed to login to Popmoney at their financial institution to receive the funds. If they are not a current user of Popmoney, they will need to register at popmoney.com to direct the funds transfer to one of their bank accounts.
Additional FAQs are located within Popmoney inside Online Banking.
Quicken® & QuickBooks®
When you purchase a Quicken or QuickBooks product, the ability to use online services (like downloading your transactions and balances, online Bill Pay, and live support) are available for the current software version and the two (2) prior years’ versions.
Quicken or QuickBooks users have two options to retrieve Mechanics Bank account data:
1. Export transactions from your Online Banking session in the file formats below, and import into your Quicken or Quickbooks program:
2. Connect to your Mechanics Bank account(s) from within your Quicken or QuickBooks program using Quicken’s Direct Connect
WebConnect or DirectConnect users within Quicken or QuickBooks should look for the connection name Mechanics Bank CA.
In order to receive eStatements, you must first agree to the terms and conditions as stated within the eStatement disclosure in Online Banking. You must have Adobe Acrobat to view the eStatements.
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