Personal Online Banking Help & Resource Center

We are committed to keeping you connected to your finances!

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Videos & demos

Card Controls & Alerts

What is Card Controls?

Card Controls is an online banking and mobile banking feature that lets you control how, when, and where your debit card is used. You can turn your debit card on/off, restrict card usage to specific types of merchants and/or transaction types, set spending limits and restrict international card use. You can also set up transaction alerts to stay informed about your debit card activity.¹

Who can use Card Controls?

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

Enroll in Online Banking
If you don't have a debit card, visit your local branch or call 800.797.6324

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.

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.

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.
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 877.265.6324 to set up your card.

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

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 Pay^TM, Samsung Pay^®) that are linked to the card will also be off.

Card Controls Off

Card Controls Mobile 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.

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

Your card cannot be removed once displayed however, you do not have to enable any alerts, transaction or location type restrictions.

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.

What controls can I place on my debit card?

By default, all transactions, merchants, locations and amounts are allowed and all alerts are enabled. To start using Card Controls and to customize your alerts, tap the “Set Declines and Alerts".

Card Controls Set Declines and Alerts

Card Controls Mobile Set Declines and Alerts

With Card Controls you can control your debit card use by:

Transaction Type

You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:

In-store
Online
Phone/mail order
ATM

Merchant Type

You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:

Department stores
Entertainment
Gas Station
Groceries
Household
Personal care
Restaurants
Travel

Location Type

You can determine whether to block/allow transactions originated outside the United States and if you want to receive alerts for them. By default, foreign transaction types are allowed and alerts enabled. To block foreign transactions, select the location type and tap the toggle to decline transaction. You can also turn off alerts for foreign transactions by selecting the location type and tap the toggle to turn off alerts.

Spend Limits

You can determine whether to decline transactions over a specific dollar amount and if you want to receive alerts for transactions over a specific dollar amount. By default, these settings are disabled. To decline transactions over a specific dollar amount, select Spend Limits and tap the toggle off to turn on decline. Then enter the dollar amount over which you want transactions to be declined. To only receive alerts for transactions exceeding a specific dollar amount, tap the Alert me toggle and enter the specific dollar amount. Be sure to click the Save button.

Card Controls Set Spending Limits

Card Controls Mobile Set Spending Limits

I've set up my Alerts but how will the alerts be delivered?

Choose to be notified by one or more of the methods below:

Push Notifications¹
SMS Text ^1,2
Email¹

By default, all delivery options are turned On based upon devices enabled within Online or Mobile Banking. To turn off one or more of the options, tap Alert Delivery Options and tap the toggle off next to the methods you don't want to receive.

Card Controls Set Alert Delivery Options

Card Controls Set Alert Delivery Options Toggles

Card Controls Mobile Set Alert Delivery Options

Card Controls Mobile Set Alert Delivery Options Toggles

I only want to get Alerts for my blocked transactions. Can I do that?

Yes. You can tap Set Declines and Alerts to change your preferences so you only receive alerts for Preferred Transactions or Blocked Transactions. By default, alerts for All Transactions are enabled.

To help protect your account, we will always send an alert if you are blocking transactions and one is attempted. If you receive an alert on transactions that you did not authorize, please contact us immediately at 800.797.6324.

Card Controls Set Declines and Alerts

Card Controls Mobile Set Declines and Alerts

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.

1. The actual time between a transaction made with your card that triggers a Transaction Alert and the time you receive the alert is dependent on your wireless carrier’s service and coverage within the area in which you are physically located at that time.

2. 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.

Bill Pay FAQs

Secure, Fast, Easy and Free!

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.

Who can I pay using Bill Pay?

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.

Which bills can't I pay with Bill Pay?

You cannot use Bill Pay to pay any company or person with an address outside the United States or its territories.

Are my payments guaranteed?

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.

Why is my account no longer available within Bill Pay?

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.

MX Money^®

Take control of your finances today!

Now you can have an engaging money management experience securely within online banking. Not only will you be able to see all your financial accounts, balances, and transactions in one place – you will be able to visualize and interact with that data in new and meaningful ways. Get started today!

See all of your financial accounts in one secure place for improved insight into your full financial life
Automatic or manually categorize transactions
Track and analyze spending
Set goals
Create and manage budgets
Monitor cash flow
Manage debt
Create alerts
Watch your net worth change with your progress

See the MX Money User Guide for more information.

MyTurboTax^® FAQs & Facts

Your taxes done right!

Is filing my tax return online secure?

Complete your tax forms within a safe and encrypted environment accessed only through our secure Online Banking.

Get your profile information transferred from Online Banking directly into My TurboTax (data will migrate to My TurboTax, eliminating some data entry, resulting in an easier, more accurate and secure tax filing experience).
When it’s time to file your tax return to the IRS, MyTurboTax helps you send your taxes electronically through the IRS e-File system. E-filing (electronic filing) is a paperless, secure alternative to filing a paper return. When you e-file with TurboTax, you enjoy the industry-standard encryption technology to safely and securely transmit your return.
My TurboTax even "keeps your place" – when you resume tax preparation, you'll come back to the same area of your return where you left off (Remember, you must come back through Mechanics Bank to log back in to My TurboTax).

How do I access my TurboTax?

Login to Online Banking and select My TurboTax.
Choose which version of TurboTax product you would like to use based on your tax filing needs: Basic, Deluxe, Premier, or Home & Business.
Pro tip: Have you used TurboTax Online in the past? You can use your access information to link TurboTax Online to My TurboTax through Mechanics Bank to pull your previous years tax information.
Follow the on-screen prompts to start the tax filing information collection process and start your tax return through My TurboTax.
Important: Make sure your browser allows pop-up windows before you continue this process (you'll need to allow pop-ups from our website).
Follow the on-screen prompts for personal and tax information toward completing and filing your return.
If you don't have time to complete your taxes now, you can save your return in process and come back later by logging into Online Banking.

Getting help accessing and using My TurboTax

Please review the online Tools and TurboTax Help Center accessed through My TurboTax.
If you need additional help using My TurboTax, or would like to contact TurboTax directly, you can access Intuit's Ask Live community, online chat, or phone numbers here
If you have questions about your taxes, you should consult your tax or financial advisor for specific questions regarding your own tax situation. Mechanics Bank cannot provide individual tax advice.

Filing your taxes

Once you are satisfied with your return, you choose how and when to file your taxes. Charges to file your taxes will apply as indicated.
If you are receiving a tax refund through My TurboTax, take advantage of the convenient direct deposit option into your Mechanics Bank account.

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)

How Popmoney works

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:

Paying back a friend for lunch or other one-time expenses
Paying rent and other monthly expenses
Paying household service providers (plumbers, gardeners)
Making charitable donations
Sending money as a gift
Sending money to other family members
Contributing money to a group gift or dinner
Save yourself a trip to the bank with this convenient service

Popmoney FAQs and facts

Sending money

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.

Popmoney will incur a transfer fee depending on the speed of delivery you select
3-Day Transfer – No charge for the first five (5) transfers each calendar month; $2.00 per transfer thereafter
Next Day Transfer – $4.00 per transfer
Pricing is subject to change. Please be aware that in addition to the fees associated with each Popmoney transaction, you may be charged per text message by your wireless provider. Check your wireless plan before you begin using the service.

Receiving money

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:

Excel (.csv)
OFX
Quicken (.qfx)
QuickBooks (.qbo)

2. Connect to your Mechanics Bank account(s) from within your Quicken or QuickBooks program using Quicken’s Direct Connect

Express Web Connect (also known as Quicken Connect for Mac users)
Direct Connect
Web Connect
Learn more about these connection options at Quicken Support

WebConnect or DirectConnect users within Quicken or QuickBooks should look for the connection name Mechanics Bank CA.

eStatements

They’re just like paper statements, only better!

Anytime access – Up to two years of your account statements, checks and deposit images
Get organized – View, print or save copies whenever you need to from your secure online banking session
Quick delivery – We’ll send you an email notice when your statements are ready and available to view online
Be safe – Reduce risk of mail fraud and ID theft
Save a tree or two – A simple way to help save paper and make a positive environmental impact

Get started with eStatements

Login to Online Banking
Click on the “eStatements” link in the navigation bar
Read through the Electronic Communications consent disclosure
Open the Sample PDF, enter the confirmation code and click “I agree”
Confirm eStatement for each account and click “Next”
Click “Enroll” and we’ll send you a confirmation email

We’ll notify you each month via email when your statement is ready.

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.