Digital Banking
Mobile Banking
Mobile Banking and Mobile Deposit from Mechanics Cooperative Bank make everywhere and anywhere your virtual banking office. Get real-time account information, transfer funds and pay bills right from your mobile device with our simple and secure app.
Mobile Deposit is also available for all Mobile Banking users and allows you to safely deposit checks as soon as you receive them. Why wait to go to the Bank? It’s as easy as “Tap. Snap. Deposit.”
How to Enroll in Mobile Banking
- Log in to Internet Banking (Internet Banking account required to enroll)
- Download the “Mechanics Cooperative Bank” App from your App Store or Google Play Store. Once downloaded, you will be prompted for your current Internet Banking user ID, and password. You may also be required to answer your security questions..
Everything you could want or need in a Mobile Banking Product – ask any representative for details!
Mobile Banking FAQ’s
To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:
- Unique Activation Code — We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
- Authentication — you are authenticated for every interaction with Mobile Banking.
- Encryption — we use 128-bit encryption for all transactions.
- Fraud Detection — we incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
- Auditability — we provide full audit capabilities through event logs and event-based reporting.
- No Identifiable Information — we don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.
No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online banking. For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.
If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name.
We recommend you take the following steps to increase your personal information security:
- All mobile banking users should password protect their phone to limit unwanted access when left unattended, or lost or stolen.
- Using an app or web based mobile banking platform provides a more secure method of access verses SMS text. To further minimize security risks associated with a mobile browser, such as phishing, website spoofing and man in the mobile attacks, we recommend utilizing our downloadable app for all your mobile transactions.
- Also, be sure when downloading applications to your phone; only download from reputable sources and web sites.
You should never access your account via a wireless local area network (WLANs) or a public Wi-Fi network connection. Most mobile devices can connect to WLANs which allows customers to minimize telecommunication expenses charged through their wireless carrier. Since the network connection is public, we cannot ensure it will be secure and incidents have occurred where personal account information has been stolen from an unsecure WLAN.
If you have any additional questions about our Mobile or Internet Banking products please contact a Customer Service Representative at 1-888-MECHANICS (632-4264).
Mobile Deposit
How to Use Mobile Deposit
- Within our Mobile Banking app, select “Check Deposit” from the left hand navigation and follow the instructions.
- Endorse the back of your check, and write “For Mobile Deposit Only” under your signature
- Then just Tap. Snap. Deposit. Take photos of the front and back of your check and submit. You will receive confirmation of the deposit.
Please feel free to call a Customer Service Representative with any questions about Mobile Banking and to assist you with the Mobile Deposit enrollment process.
* Mechanics Cooperative Bank does not charge you a fee for using this service. However, charges from your wireless carrier may apply. Regular account charges apply. Mobile Deposit service is for personal checking or savings accounts only and is subject to eligibility. Deposit limits and other restrictions apply. iPhone, iPad and iPod touch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Mobile Deposit FAQ’s
- $3,000 Daily Limit
- Sign/Endorse the back of your check, and write “Mobile Deposit Only” directly under the endorsement signature on the back of the check
- When prompted for the amount, enter the check amount and be sure it matches the amount written on your check.
- Take a clear picture of the entire front and back of the check to include all four corners, but not too much of the surroundings and hold the camera square to the check to reduce corner to corner skew.
- Make sure that the entire check image is visible and in focus before submitting the deposit. Also, be sure to clearly capture the MICR line (numbers on the bottom of your check).
- Keep the checks deposited via Mobile Deposit for thirty (30) days before they are destroyed.
- Deposits made after 4:00 pm EST will be considered deposited on the following business day and will usually be available within two business days.
- You can monitor the status of your mobile deposits through Mobile Banking. All mobile deposits will be labeled “Remote Deposit” on your monthly statements and within Online Banking.
- Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). This applies even if the person is an authorized signer on the same account the check is being deposited into.
- Checks payable to you and jointly to another party. This applies even if the person is an authorized signer on the same account the check is being deposited into.
- Checks that contain evidence of alteration, or that you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
- IRS Checks, Savings Bonds, foreign checks and insurance checks.
Digital Wallets
Load your Mechanics Cooperative Bank Debit Card into your mobile device digital wallet and make purchases at thousands of retailers using only your phone! Its never been so easy – or secure. No more touching point-of-sale terminals or digging for your wallet!
Let’s Get Started.
Open your device’s digital wallet and simply follow the on-screen prompts to add a new card.
- ApplePay: Once your card has been added you are all set, it’s ready to use! (Some users may require Bank authorization depending on specific phone and security settings. If authorization is required, you will receive an approval message within 1 business day.)
- Google Pay: Works on Android Phones and requires approval once your card is added. You will receive an approval message within 1 business day.
- Samsung Pay: Requires approval once your card is added. You will receive an approval message within 1 business day. (Please note Samsung phones can also use Google Pay)
Learn More.
Want to learn more? Click on the links below for information on your specific wallet, what you can expect and how they work:
Using Digital Wallets in Stores.
Look for the digital app logo (Apple Pay, Google Pay, Samsung Pay) when checking out at a store! It’s as easy as holding your phone near the credit card reader to transmit your card info. Your phone uses Near Field Communication (NFC) to transmit the data to the terminal safely and securely. (Devices will require PIN, fingerprint or facial recognition software to complete your purchase.)
Digital Wallet FAQs
Digital Wallet FAQs
There is no additional cost to you. This is a free service provided by Mechanics Cooperative Bank.
No! Your card number is not stored on the phone. The wallet app assigns a virtual card number (a token) to your Debit Card. This virtual number is associated only with the digital wallet and mobile device you use. When you make purchases using your mobile device, the wallet app uses the digital token to complete the transaction. Your debit card number and checking account number are never exposed during a mobile transaction.
If your physical Debit Card is expiring, you will need to load your new card info into your wallet app once you receive it. (Be sure to delete the old card from your app once completed!)
If you change phones, you will need to re-register your digital wallet following the same steps as if you were setting up a card for the first time.
Contactless Debit Card
Have you received a new contactless debit card? Click here for a list of frequently asked questions and security information regarding your contactless debit card.
Please contact a Customer Service Representative at 1-888-MECHANICS (632-4264) with any questions.
Apple, the Apple logo, Apple Pay, the AppStore, iPhone and Touch ID are trademarks of Apple Inc. Google Pay and the Google logo are trademarks of Google Inc. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd
Real Time Payments
Real Time Payments – Enjoy the convenience of receiving immediate, real-time payments from people and businesses!
Mechanics Cooperative Bank is excited to announce the implementation of real-time payment functionality and the ability to receive payments instantly, no matter the time or day!
RTP Features & Benefits:
- Receive funds up to virtually instantaneously!
- Always on! Funds can be deposited 24/7.
- Free benefit as a Mechanics Cooperative Bank customer!
Real Time Payment FAQ’s
Real-time payments are payments made between banks that are initiated, cleared, and settled within seconds! Real time payments can happen 24/7 including holidays and weekends!
No! Real Time Payment transactions are made available to you at no additional cost!
Yes. There is a $1,000,000 limit. Please note a lower transaction limitation may exist with the originating bank/company.
If the organization/person you are doing business with is on the RTP Network – simply provide the sender with the routing number and account number of the account you’d like the payment sent to. REMINDER: Only provide your routing number and account number with senders you know and trust. Your routing number and account number can be found on the bottom of your checks.
Real-time payments provide an efficient money movement platform allowing users immediate access to funds, a streamlined process for collecting funds and other time-sensitive transactions.
The item will be posted to your account and your statement description will read: “RTP” with any additional details regarding the Real time payment. You can check if the funds have posted by accessing your accounts 24/7 using our Internet and Mobile Banking platforms!
The RTP network from The Clearing House (TCH) is a real-time payments platform. As a Mechanics Cooperative Bank customer, you are able to receive RTP transactions directly to your checking account! We plan to launch RTP origination in the future – allowing you to send RTPs to anyone on the RTP payment network, anytime!
