Enhanced Bill Pay Launching May 24th

Bill Pay will be unavailable starting Friday, May 21st at 12:00 AM until Monday, May 24th at 9:00 AM. Please note that all payments previously entered to be paid within the dates noted above will be made as scheduled. 


Exciting New Features

Mechanics Cooperative Bank is excited to announce that we are upgrading your Online Bill Payment experience. This enhanced Bill Pay System will feature the same functionality as our current product with some added benefits! 

Picture Pay 

You can make payments by simply taking a photo of the bill and entering the amount due. The payee will be added to your account automatically.

Real Time Payments  

For electronic payments, funds will be debited from your account on the specified “Send On” date. This process will speed the delivery time of your payments to payees. Your payments will still be received by your payees on or before the scheduled “Delivery Date”.

Help Guide 

Click here to download the Mechanics Cooperative Bank Help Guide! View screenshots, navigation details and more!


Bill Pay FAQs

Bill Pay will be unavailable starting Friday, May 21st at 12:00 AM until Monday, May 24th at 9:00 AM. Please note that all payments previously entered to be paid within the dates noted above will be made as scheduled.

Yes. All bill pay payees will convert over from our current bill pay system.

Yes. All reoccurring bill pay payments will convert over from our current bill pay system.

Yes. All future scheduled bill pay payments will convert over from our current bill pay system.

No. eBills must be reinitiated in the new bill pay system on or after May 24th. To initiate eBills, please click the “eBills” icon near each payee.  Paper statements will resume if eBills are not reinitiated.

Yes. 12 months’ of payment history will convert over from our current bill pay system.

Electronic Payments will be automatically withdrawn from your checking account when you submit a payment to be sent on the current business day. For example, if I schedule my electronic payment today, 5/24/21, it will come out of my account immediately and the payee will receive the payment within two (2) business days.

Recurring Payments, or future dated payments will be debited from your checking account the morning of the “Send On” date.  The payment will be delivered to the payee within two (2) business days.

Check/Paper Payments will be processed as they are now.  Funds will be debited from your account on the day the check is cashed.

Yes, the Account-to-Account payment and transfer functionality will not change. Simply click on “Account-to-Account” transfer and follow the prompts to add an external bank account.

Yes.  The Person-to-Person payment functionality will not change; however, the process for initiating a transfer will change.  The new system requires less information to be shared and therefore allows for a more secure transaction.  Simply click “Person-to-Person”, enter the name, amount and email or phone number of the person you are paying. You will have the option to leave a personalized message before choosing a “Secret Word” that will be shared with your payee to access the funds. The use of a “Secret Word” limits the sharing of specific account information whereby making the process more secure.


This feature allows you to make payments by simply taking a photo of the bill and entering the amount due. This payee will then be added to your account automatically.

Yes. You will be able to track physical check payments sent via mail. A USPS tracking number will be provided when the payment is scheduled.

Mobile Banking App Promotion