Manage My Mortgage

Mechanics Bank upgraded its mortgage servicing platform to improve efficiency, account access, and available features. As part of this upgrade:

• Statements and online access will look different, but your loan terms will not change
• Some customers received new loan numbers effective June 1, 2026. Impacted customers have been notified via U.S. Mail.

No. This system transition did not change the interest rate, payment amount, maturity date, or any other terms of your existing mortgage or HELOC.

Some mortgage customers may have received a new mortgage and/or HELOC loan number. Please reference the letter dated May 4th, 2026 that was mailed to your address on file. If this impacts you, please begin using your new loan number for all payments, correspondence, and bill pay setups after June 1, 2026.

After June 1, 2026, please update:

• Online bill pay systems
• Third-party payment services
• Any records where your old loan number is stored
• You will also need to use the new mailing address for payments:
  • Mechanics Bank | P.O. Box 34610 | Seattle, WA 98124-1610

If your loan is set up for automatic payments or transfers from a Mechanics Bank checking or savings account, no action was required.

• Payments scheduled between May 29 and June 4 were held and processed on June 5, however, your payment history reflects the original scheduled payment date

If you needed to make a payment between May 29 - June 4 and did not do so, please call us at 800.237.3194, Monday-Friday, 8:00am-5:00pm (PT).

Yes. Beginning May 29, 2026, please routinely use the following address for mailed payments:

Mechanics Bank
P.O. Box 34610
Seattle, WA 98124-1610

Please register for the new Mechanics Bank Check My Loan website by clicking on the gold "Log in here" button above and following the sign-up prompts.

Once registered, you can:

• View loan balances and escrow details
• Make payments and enroll in auto-pay
• Review payment history and request payoff quotes
• Access statements, tax documents, and escrow analysis
• Enroll in eStatements and send secure messages

Beginning June 5, 2026, use the following:

• Customer Service (Live Agents): 800.237.3194, Monday-Friday, 8:00am-5:00pm (PT)
• 24/7 Automated IVR: 800.237.3194 (payments, loan information, payoff quotes)

Yes. As a HELOC customer:

• If you received a new loan number, new courtesy checks were issued to you automatically
• If you did not receive a new loan number, please continue to use your existing Mechanics Bank courtesy checks
• We've implemented a required code word for advance requests as a new security enhancement
• We've discontinued online banking transfers from your HELOC to your checking and/or savings account

New Mechanics Bank-issued courtesy checks were mailed free of charge on June 5, 2026.

• If you do not receive them by June 15, 2026, contact Loan Servicing at 800.237.3194
• Old HELOC checks will no longer work as of June 1, 2026

Starting June 5, 2026, a code word is required when requesting a HELOC advance:

• This applies to phone and written advance requests
• Advances will only be approved after the code word is authenticated

Please complete the code word form that was mailed to you on May 4, 2026, and return it using the enclosed envelope by July 1, 2026. If you did not receive the code word form, please call us at 800.237.3194.

Available options include:

• Courtesy Checks: Use your existing Mechanics Bank checks OR, if your loan account number has changed, please use your newly issued checks only
• In-Person: Visit a Mechanics Bank branch
• Wires: Request a wire by contacting our Loan Servicing Customer Care team at 800.237.3194, Monday-Friday, 8:00am-5:00pm (PT)
• Online Transfers: Discontinued after 5:00pm (PT) on May 29, 2026

• Customer Service: 800.237.3194. Live representatives are available Monday through Friday 8am - 5pm PT. Our automated system is available 24/7.
• Payoff Requests Autofax: 206.903.3094. Our automated system is available 24/7.
• To make a payment using our automated payment system, dial Customer Service 800.237.3194 and follow the prompts.

• Please contact us at loanservice@mechanicsbank.com and include your loan number and a brief description of the issue. Please note: Do not include personal or confidential information in the email.
• Send a secure message to Loan Servicing by logging into Check My Loan and select "Messages."
• All emails and secure messages are generally responded to within 48 hours from receipt.

• Mail loan payments to:
  • Mechanics Bank, PO Box 34610 | Seattle, WA 98124
• Mail loan payoffs, correspondence, or address changes to:
  • Mechanics Bank Attn: Loan Servicing | 33405 8th Ave South, Suite 100 | Federal Way, WA 98003
• Mail Notices of Error and Requests for Information to:
  • Mechanics Bank Attn: Loan Servicing/QA | 33405 8th Ave South, Suite 100 | Federal Way, WA 98003