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Convenience Services


ATM Card

  • Authorized user can withdraw funds from any ATM (with the Pulse symbol)
  • There is no monthly fee for an ATM card
  • No fee for using Mechanics Bank ATM card at Mechanics Bank ATM’s
  • There is a charge of $1.00 for using any foreign ATM. There will also be an additional charge from the owner of the ATM used.

* There is a 60 day waiting period for a new account

Check Card

  • In addition to being able to withdraw funds from any ATM, the check card is accepted as payment for goods and services by merchants who accept Visa
  • There is a $1.00 charge per month per card
  • There is a 60 day waiting period for a new account

Overdraft Protection

  • This service is provided to qualifying customers
  • There is a $25.00 annual fee, for MAC account holders the fee is $20.00

Credit Cards

  • We offer Visa and MasterCard
  • Applications available at all our branches

Night Depository

  • There is one at all locations, Water Valley and Oxford
  • A key to the night drop is available upon request.
  • A locked bag is available upon request
  • There is no charge for this service

Direct Deposit

  • Is available to all customers with a checking or savings account
  • There is no fee for this service

Travelers Checks

  • We carry American Express
  • There is $1.00 fee per $100.00 purchased
  • There is $1.75 fee per $100.00 purchased for Travelers Checks for Two
  • MAC account holders pay no fee

Stop Payments

  • There is a $28.00 charge per stop pay

Wire Transfers

  • This service is provided at our bank for our customers
  • There is a $15.00 charge for outgoing wires

Telephone Banking

  • This is a service provided by our bank
  • This service is available 24 hours a day
  • You can check on your accounts, transfer funds from one account to another, check CD rates
  • For your convenience we have two numbers 473-4473 or 236-3000

Safe Deposit Boxes*

  • Safe deposit boxes are available.

*Safe Deposit Boxes are not FDIC insured.

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