Checking Accounts

Personal Basic Checking

Essential Checking

Essential Checking* is a simple and convenient checking account that gives you more control of your money.
It offers:

  • Online Banking with Bill Pay
  • Mobile and Text Banking1
  • Automated touchtone banking 24/7
  • Debit Card with chip technology
  • Surcharge-free access2 to an extended network of third-party ATMs through Moneypass 
  • Complimentary eStatements
  • Unlimited check writing

The monthly maintenance fee of $7 is waived for:

  • Qualifying students ages 14 to 24
  • Accountholders age 55 and over
  • Any deposit made during the statement cycle
  • Average collected balance of at least $1,000

Smart & Easy Checking

Advantage Checking

In addition to all of the features and benefits of Essential Checking, Advantage Checking* offers:

  • Complimentary cashier’s checks (up to 5 per statement cycle)
  • Fee discount on eligible mortgage loans on primary residence
  • Annual safe deposit box rental fee discount
  • And more

The monthly maintenance fee of $16 is waived for:

  • Average collected balance of at least $5,000
  • Average combined balance of at least $20,000

Smart and Easy Plus Checking

Premier Checking

Premier Checking* is an interest-bearing account that offers all of the perks of the Essential and Advantage accounts as well as other exclusive benefits:

  • Incoming wires rebate
  • Overdraft fee reimbursement up to $35 per statement cycle
  • Overdraft transfer fee rebate3
  • Initial stop payments rebate
  • And more

The monthly maintenance fee of $24 is waived for:

  • Average collected balance of at least $25,000
  • Average combined balance of at least $50,000
  • Accountholder also has an eligible Mechanics Bank Wealth Management account