Checking

Each Mechanics checking account offers customizable features for greater freedom and flexibility, so you get the most out of your personal banking.

Straight Forward Checking1

  • $4.00
  • $100 Avg Bal OR 10 debit card transactions
  • NO
  • $12.00/mo
  • -
  • Learn More

Interest
Checking2

  • $6.00
  • $1,000 Avg Bal OR 15 debit card transactions
  • YES
    Rates
  • $20.00/mo
  • 50
  • Learn More

Time Honored Checking 3

  • $6.00
  • $500 Avg Bal OR 10 debit card transactions
  • YES
    Rates
  • $20.00/mo
  • 150
  • Learn More

Deposit Relationship Checking4

  • $10.00
  • $5,000 Avg Bal OR $25,000 Avg Bal of All Deposit Accounts
  • YES - Premium Rate
    Rates
  • $25.00/mo
  • 150
  • Learn More

Student Checking5

  • $0.00
  • No minimum balance requirement
  • NO
  • $12.00/mo
  • -
  • Learn More
1 Straight Forward Checking: A $25 deposit is required to open a Straight Forward checking account. ATM fees will be refunded nationwide up to $12.00 per statement cycle. The $4.00 monthly service charge will be waived with 10 posted debit card transactions  or when you maintain a $100.00 monthly average balance every statement cycle.

2 Interest Checking: A $25 deposit is required to open an Interest Checking account. Minimum balance to obtain annual percentage yield (APY) is $0.01. ATM fees will be refunded nationwide up to $20.00 per statement cycle. The $6.00 monthly service charge will be waived with 15 posted debit card transactions or when you maintain a $1,000.00 monthly average balance every statement cycle. Your first order of fifty (50) free checks are limited to safety paper wallet-style checks. 

3 Time Honored Checking: A $25 deposit is required to open a Time Honored Checking account. Minimum balance to obtain annual percentage yield (APY) is $0.01. ATM fees will be refunded nationwide up to $20.00 per statement cycle. The $6.00 monthly service charge will be waived with 10 posted debit card transactions or when you maintain a $500.00 monthly average balance every statement cycle. Your first order of one hundred fifty (150) free checks are limited to safety paper wallet-style checks.

4 Deposit Relationship Checking: A $25 deposit is required to open a Deposit Relationship Checking account. Minimum balance to obtain annual percentage yield (APY) is $0.01. ATM fees will be refunded nationwide up to $25.00 per statement cycle. The $10.00 monthly service charge will be waived when you maintain a $5,000.00 monthly average balance or an average of $25,000.00 average balance across all your Mechanics Savings Bank deposit accounts every statement cycle. Your first order of one hundred fifty (150) free checks are limited to safety paper wallet-style checks.

5 Student Checking: A $25 deposit is required to open a Student Checking account. ATM fees will be refunded nationwide up to $12.00 per statement cycle.