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Personal Checking Account Comparison


PERSONAL CHECKING ACCOUNT COMPARISON
Checking Accounts: Ideal for: Minimum Opening Deposit: ATM Fee Refunds:1 Earns Interest: Monthly Service Fee: Learn More:
Checking with Benefits $100 Unlimited1 No

No monthly service charge with any ONE of the following:

  • Monthly direct deposit to your Smart & Easy account
  • At least 5 Online Banking bill payments per month
  • Automatic monthly payments from your Smart & Easy Checking account to a Mechanics Bank loan
  • $1,000 minimum daily balance in your Smart & Easy Checking account
  • $5,000 combined balances2 in all Mechanics Bank deposit accounts

Monthly Service Fee:
$12 monthly service charge if none of the above criteria is met

Students
Ages 15 - 25

$100 Max $10 per month1 No No monthly service fee with online banking and eStatements

Monthly Service Fee:
$5 monthly service charge if the above criteria is met

Seniors Age 55 + $100 Unlimited with Direct Deposit1 No No monthly service fee
High Balances Holders $500 Unlimited1 Yes

Check Interest Rates

No monthly service charge with any ONE of the following:

  • $2,000 minimum daily checking balance
  • $10,000 combined deposit balances2

Monthly Service Fee:
$15 monthly service charge if none of the above criteria is met

High Balances & Discounted Services $500 Unlimited1 Yes

Check Interest Rates
No monthly service charge with any ONE of the following:
  • $10,000 minimum daily checking balance
  • $15,000 combined deposit balances2
  • $25,000 combined deposit2/ outstanding personal loan balances

Monthly Service Fee:
$20 monthly service charge if none of the above criteria is met


Simple, low cost checking
$100
Not Available
No
$5 monthly service charge


Enjoy these additional benefits available at no charge with all Mechanics Bank checking accounts:

1Excludes reimbursements from ATMs located in gaming establishments.

2Combined balances shall be defined as follows: When used for service charge purposes, "combined deposit balances" means the average monthly balance of the primary checking account, together with the combined current balances (determined on the statement date of the primary checking account) in all other deposit accounts.