Opening a New Account - Before You Apply FAQs

Thank you for your interest in becoming a client of Mechanics Bank. Below are frequently asked questions regarding our online account opening process. Please contact us if you have any questions.

At this time we only allow for personal accounts to be submitted online. These include the following account types: Personal Checking, Personal Savings and Personal Certificates of Deposit.

Opening an account online takes about 7 – 10 minutes. Once the account application is submitted, you will be contacted within 2 to 3 business days to complete the process.

You can visit www.mechanicsbank.com and apply for a Personal account within several web pages within the Personal Banking menu. Once in this area of the website, you can open an account by clicking Open New Account. You can also apply any personal product and product comparison pages of the website.

At least one account must be open before Personal Online Banking access can be set up. You can sign up online or by calling the Client Services Call Center at 800-797-6324 during our regular business hours of Mon – Fri: 7 AM – 11 PM, Sat – Sun: 7 AM – 4 PM.

If you have any questions during the online account opening process, please call the Client Service Call Center at 800-797-6324 during our regular business hours of Mon – Fri: 7 AM – 11 PM, Sat – Sun: 7 AM – 4 PM.

The first box of checks (limit 200) are available for select checking accounts. To learn more about which checking accounts are eligible visit mechanicsbank.com and view the personal checking pages.

We are required by U.S. Federal Law to obtain, verify and record information that identifies each person who opens an account. You will need the following information to complete your application:

• Driver's license, or state issued ID*
• Social Security Number*
• Current home address
• Current email address

*If you have an ID other than a Driver’s License such as a passport, military ID please visit one of our offices to open your account. *If you do not have a Social Security number, please visit one of our offices.

Yes, the requirements are the same for the joint applicant.

The minimum age to submit an account application online at Mechanics Bank is 18.

No. You do not need special software, but we do recommend that the browser you are using supports 128-bit encryption and be JavaScript enabled.

If you have the following information you can submit your application online:

• Driver's license, or state issued ID*
• Social Security Number*
• Current home address
• Current email address

*If you have an ID other than a Driver’s License such as a passport, military ID please visit one of our offices to open your account. *If you do not have a Social Security number, please visit one of our offices.

You will need to open your account with a minimum deposit of $100 for Checking or Savings accounts, $1,000 for Certificates of Deposit, and $2,500 for Money Market Plus accounts.

Yes. As an existing client, you can submit an application for additional accounts online.

To continue with the account opening process, click on