Personal Checking

At The Mechanics Bank, we offer a variety of personal checking accounts sure to fit your needs.


Smart & Easy Checking*	Smart & Easy Checking is the checking account that offers five easy ways to get unsurpassed free access to your checking funds.	The Smart & Easy Checking account offers all these freeservices: Free checking (no monthly service charge) Free ATM use and unlimited fee refunds† Free MechDirect Internet Banking with free bill pay Free viewing/printing of cancelled checks online Free first order of bank image checks by Deluxe Check Printers (limit 200) Five easy ways to get checking FREE of monthly service fee! More details :: Open an account now

Basic Checking	Our flat fee checking account	Monthly service charge: $5.00 More details :: Open an account now

Founder's Checking	For those who are 55 years of age or better.	Receive checking free of monthly service charge with direct deposit or another deposit account. More details :: Open an account now

Interest Checking	An interest bearing account designed for our larger balance customers	Free of monthly service charge with any one of the following: $2,000 minimum daily checking balance $5,000 average monthly checking balance $10,000 combined deposit balances‡ More details :: Open an account now

CheckLink Plus	Customers with large balances receive interest on their checking balance plus on an array of discounted banking services	Free of monthly service charge with any one of the following: $10,000 minimum daily checking balance $15,000 average monthly checking balance $15,000 combined deposit balances‡ $25,000 combined deposit/outstanding personal loan balances‡ Discounted services: Up to .5% discount on consumer loan rates (with automatic payment) Free Official and Travelers' Checks Free Stop Payments and Signature Guarantees More details :: Open an account now

† Actual rebate amount depends upon the actual surcharges incurred.
‡Combined 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 and/or personal loans.
*When you fulfill any one of the "Five Easy Ways to Get Free Checking", the monthly service charge will be waived. If you do not fulfill one of these criteria in any given month a service charge, not to exceed $10.00, will be assessed.