Smart and Easy Checking
Our premier checking account designed for customers who want a checking account with a host of free services that put you in control of managing your money.
Complimentary Checks: Free first order of bank image checks by Deluxe Check Printers (Limit 200)
Free** of monthly service charge with any ONE of the following in the Smart & Easy checking account:
- Monthly direct deposit to your Smart & Easy Checking account
- 5 or more monthly online bill payments through MechDirect® Internet Banking
- Automatic monthly payment to a Mechanics Bank loan
- $1,000 minimum daily or $1,500 average monthly balance in the Smart & Easy Checking
- $5,000 or more combined deposit balances‡
Monthly Service Charge: $10.00 with online check images if requirements are not met
ATM Fee Refunds: Unlimited.
Check image enclosure fee: No fee for check images with statement; free viewing and printing of cancelled checks online
MasterMoney™ debit card: Standard MasterMoney card available or Gold MasterMoney card available† with $5,000 or more in combined deposit balances.
SavingsLink Account: Monthly fee waived on SavingsLink Account if account is linked for Overdraft Protection and combined in monthly All-in-One Statement
Universal Services: Free MechDirect Internet Banking plus free bill payment, free viewing and printing of cancelled checks online, your choice of Overdraft Protection options, All-in-One Statement, TeleBanking
Minimum Opening Deposit: $100
* Actual rebate amount depends upon the actual surcharges incurred.
† subject to approval .
**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 and ATM fee refunds will not be rebated for that month.
‡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.
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