Checking
Choice Checking from Mechanics Cooperative Bank offers options that fit your personal banking style. However you like to bank, Mechanics Cooperative Bank has the perfect solution.
Ask about our suite of Digital Banking products designed to make banking on the go, easier than ever! Also included with every account is free coin counting (where available).
Absolutely no monthly fees – Exactly what you would expect from a FREE checking account.
- No monthly service fee
- No minimum balance requirements
- Free Internet Banking & Bill Pay
- Free e-Statements
- Non interest-bearing account
With this product, if you sign up for e-Statement enrollment and complete at least one posted direct deposit during the statement period, we will waive your monthly service charge, foreign ATM fees, and rebate ATM surcharges up to $15. With e-Choice Checking, you can access your account anywhere, anytime!
- Free Internet Banking & Bill Pay
- Free e-Statements
- Non-interest bearing account
Act’s like a money market, works like a checking! Keep a daily balance of $50,000, enroll in eStatements & have one posted direct deposit per statement period, to waive the monthly service fee & earn the Top Rate!
- Tiered interest-bearing account with $50,000 min to earn the Top Rate
- No monthly service fee if $50,000 daily balance maintained
- Unlimited check writing
- Internet Banking, Mobile Banking with Mobile Deposit & Bill Pay
This product is perfect for customers who maintain larger checking account balances and like to earn interest on their deposits. We also add additional benefits like those listed below to ensure our premier customers get the most from their banking relationship!
- Tiered interest-bearing account
- Eligible for Premier Choice Savings Account
- No monthly service fee if $5,000 daily balance maintained
- Free First Order of Basic Checks. (New Accounts Only)
- Unlimited check writing
- Higher daily limits on ATM/Debit Card transactions available upon request
- Access to free “Sweep” Overdraft Protection
- Up to 2 free money orders per month
- No fee for coin counting machine access where available
- 25% off safe deposit box (if available)
- Free Internet Banking & Bill Pay
- Free e-Statements
This product offers unlimited check writing and your first order of basic checks, free! (New Accounts Only). Get the most out of your deposits with the Unlimited Choice NOW account by earning a competitive interest rate on your balances.
- No monthly service fee if $500 daily balance maintained
- Free First Order of Basic Checks. (New Accounts Only)
- $100 minimum balance to earn interest
- 10% off safe deposit box (if available)
- Free Internet Banking & Bill Pay
- Free e-Statements
Are you 18 or younger, or 65 or older? If so, we have the perfect option for you! Earn interest on deposits, enjoy no minimum balance requirements, and pay absolutely no monthly fee. It’s the simple choice!
- No minimum-balance requirement
- No monthly service fee
- $100 minimum balance to earn interest
- Free Basic Checks
- Free Internet Banking & Bill Pay
- Free e-Statements
Our nationally certified, BankOn Choice Checking is a simple and easy to use checkless, checking account with no overdraft fees1, no minimum balance requirements, and no monthly maintenance fee! We believe that everyone should have access to safe and affordable banking.
- No overdraft or consecutive overdraft fees1
- No monthly maintenance fee
- Free Internet & Mobile Banking with Mobile Deposit, Bill Pay, and eStatements!
- Free access to Mechanics Cooperative Bank ATM’s
- Free Debit Card
- Unlimited Deposits/Transactions – Please note this account does not have check writing capabilities.
1There may be times when a negative balance in the account can occur, such as if a transaction is authorized for one amount but the actual charge is more than what is available in the account.
“Sweeps” Overdraft Protection is available for all checking accounts! A “sweep” allows you to use an existing savings account (with available funds) to cover overdrafts from your checking account. Additional fee information can be found in our Account Agreement and Schedule of Rates and Fees. Please ask any Mechanics Cooperative Bank representative for details!
Click here to view our Schedule of Rates and Fees.
