Mobile Banking & Deposit


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)
  • View the Mobile Banking profile; click Manage Devices & add New Device details as required
  • 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.

How to Enroll in Mobile Deposit

  • Enrollment is simple; call us at 1-888-MECHANICS (632-4264) or visit your nearest branch to request enrollment
  • Once approved, within our Mobile Banking app, select “Deposit” 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.

Enabling Touch ID in Mobile Banking

  • Touch ID is currently available for iPhone devices and coming soon for Android!
  • To enable Touch ID on an iPhone, launch the Mechanics Mobile Banking App, select “More” from the bottom row of icons and click “Touch ID Settings” Please note all fingerprints stored on your device can be used to login to your mobile banking. In addition, the app may occasionally request your password for security purposes.
  • Touch ID is currently available for the Personal Mobile Banking App and coming soon to Business Mobile Banking!
  • If Touch ID is not currently set up on your device, you must enable Touch ID by accessing your iPhone settings by selecting “Settings” followed by “Touch ID and Passcode” and clicking “Add a Fingerprint”

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 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.
We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.
You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access.
When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. We don’t show any pending transactions.

Yes. You can register several mobile phones for Mobile Banking. To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone.
If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

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. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.
We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson.
You can disable your mobile banking account, or an individual phone, through your Internet Banking account. Simply go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.
To stop using Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

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 FAQ’s

  • $500 Daily Limit: Free Choice, Unlimited Choice NOW & 18/65 Choice
  • $2,000 Daily Limit: Premier Choice & eChoice

  • 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.

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