Business Checking


Our business checking accounts were designed to fit any business profile to help make your business banking relationship easier and more efficient. Get the most from your business deposits with Mechanics Cooperative Bank.


Small businesses need to know they are getting the most out of every dollar. Mechanics Cooperative Bank ensures that with our Choice Free Business Checking account. Customers enjoy the first 100 items each month FREE along with 24 hour account access online, by phone, or by ATM.

  • Up to 100 free items per month; $.50 per item over 100
  • 24 hour account access anytime online, by phone, or by ATM
  • No annual fee Business MasterMoney® Debit Card
  • Overdraft Protection Line of Credit Available to qualified borrowers
  • Turn in your old checks and receive up to a $25 deduction on your first order of new checks (new accounts only)


This account is perfect for business customers who require less than 200 items per month. Maintain an average daily balance of $1,500 to waive the monthly fee and spend time thinking about more important things, like your business.

  • Up to 200 free items per month; $0.25 per item over 200
  • 24 hour account access anytime online, by phone, or by ATM
  • Overdraft Protection Line of Credit Available to qualified borrowers
  • No annual fee Business MasterMoney® Debit Card
  • Turn in your old checks and receive up to a $25 deduction on your first order of new checks (new accounts only)
  • $7.00 monthly service fee waived when $1,500 average daily balance maintained


This account is made to accommodate more established businesses that carry large balances and require a high number of monthly transactions. Premier Choice Business allows your deposit balance to offset fees and keeps more of your money working for your business.

  • Earnings credit allowance for balances to offset account service fees
  • Unlimited transactions and check writing
  • 24 hour account access anytime online, by phone, or by ATM
  • Overdraft Protection Line of Credit Available to qualified borrowers
  • No annual fee Business MasterMoney® Debit Card
  • $50 deduction on your first order of checks (new accounts only)

Account Details


Monthly Service Fee: $10.00
ACH Transaction (per item): $0.10
Per Deposit: $0.75
Per Deposited Item: $0.10
Per Check Paid: $0.20
Per Withdrawal: $0.20


A Choice IOLTA account is specifically for attorneys holding deposits on behalf of their clients. This account earns a competitive interest rate and offers 24 hour account access online, by phone, or by ATM.

  • Variable interest rate
  • 24 hour account access anytime online, by phone, or by ATM
  • Interest accrues daily on collected balances and is paid monthly to the MA IOLTA Committee


We are proud to serve non-profit organizations, and this account caters to your needs!

  • No monthly service fees
  • Unlimited activity
  • 24 hour account access anytime online, by phone, or by ATM
  • Free access to our coin counting machine where available


We can also support your business needs to process customer MasterCard, Visa, Discover and American Express credit card transactions. Keep more profit in your pocket! With card use continually on the rise, we can make sure you are getting the best program for your specific business needs.

“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. Please ask any Mechanics Cooperative Bank representative for details! Additional information can be found in our account agreement and fee schedule.

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