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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.
Mobile Banking FAQs
The only requirement is that you are registered for Online Banking. To sign up, click here to sign up for Mobile Banking.
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 to sign up for Mobile Banking. 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.
Deposit limits can vary depending on your account. Your current mobile deposit limit is shown within the Amount field when making a deposit.
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 day.
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.
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.
How do I start using Card Controls?
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.
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 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.
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".
With Card Controls you can control your debit card use by:
You can determine the types of transactions you want to block/allow and if you want to receive alerts for them. Transaction types include:
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.
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.
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:
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.
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.
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.
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