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.


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
  • Or, turn in your old checks and receive up to a $25 deduction on your first order of new checks (new accounts only)
  • 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 premier rates to savings and loan products, higher limits on debit transactions and more to ensure our premier customers get the most from their banking relationship.

  • Tiered interest-bearing account
  • Eligible for Premier Choice Savings Account
  • Preferred consumer loan rates
  • No monthly service fee if $5,000 daily balance maintained
  • Free standard checks
  • Or, turn in your old checks and receive up to a $25 deduction on your first order of new checks (new accounts only)
  • Unlimited check writing
  • Higher daily limits on ATM/Debit Card transactions available
  • 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 with free standard checks. Write as many checks as you’d like and never worry about fees! 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 standard checks
  • Or, Turn in your old checks and receive up to a $25 deduction on your first order of new 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 standard checks
  • Or, turn in your old checks and receive up to a $25 deduction on your first order of new checks (new accounts only)
  • Free Internet Banking & Bill Pay
  • Free e-Statements


Click here to view our
Schedule of Rates and Fees.

Schedule of Fees

Click here to open an account online with
Mechanics Cooperative Bank!

Open an Account Online

 

“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.

DON'T HAVE AN ACCOUNT?

Request information today!

Contact Us Today
Mobile Banking App Promotion