Checking

Mechanics Business Checking Accounts are easy to manage. Please visit our Main Office or call 419-524-0831 for information about how we can help you manage your business finances. We look forward to partnering with you to help your business succeed.

Minimum Balance RequirementOnline & Mobile Banking with Bill Pay*Interest EarningDebit Card with Rewards ProgramOverdraft Protection**Direct DepositAutomatic WithdrawalsAdditional Features / Requirements
Commercial Checking$100YesNoYesYesYesYesA fee of 17¢ for each cleared check

A fee of 10¢ for ACH/EFT items

Earnings credit of 15¢ /$100 of average daily balance used to off set service charges
Small Business Checking$1,000YesNoYesYesYesYesFirst 25 cleared checks and  ACH/EFT items are free – items after 25 are 25¢ each
Business Money Market$1,000Yes***YesYes***YesYesYesTiered interest rate

Limit of six preauthorized transfers per month

Monthly statements combined with Business Checking Account statement

*Bill Pay is free for the first 25 transactions per statement cycle.

**Overdraft protection is an optional feature that may not be available immediately on new accounts and may charge additional fees.

***Counts as one of the six pre-authorized transfers allowed each statement cycle. Other transactions considered to be "Pre-authorized Transfers" include: POS transactions using a Debit card, ACH debits, online banking transfers out, 522-BANK transfers out, checks clearing the account (checks are limited to 3 per statement cycle).

Commercial Checking

  • $100 minimum balance
  • Earnings credit allowance of 15¢ for every $100 of average daily balance will be used to off set service charges
  • Monthly service charge of $14
  • A fee of 17¢ for each cleared check
  • A fee of 10¢ for ACH/EFT items (e.g., debit transaction, electronic check, automatic withdrawal)
  • Statements cycle on the last business day of the month
  • Checks available in basic style

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Small Business Checking

  • $1,000 minimum balance
  • If balance drops below $1,000 a monthly service charge of $12 will apply
  • First 25 cleared checks and ACH/EFT items (e.g., debit transaction, electronic check, automatic withdrawal) are free – items after 25 are 25¢ each
  • Statements cycle on the last business day of the month
  • Checks available in basic style

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Business Money Market

  • Minimum opening deposit of $1,000
  • Interest earned daily and compounded monthly on balances over $1
  • Tiered interest rate
  • Unlimited transfers by mail, messenger, ATM or in person; transfers by other means are limited to 6 per statement cycle
  • Unlimited deposits
  • A monthly service fee of $5 will be charged during any month that the balance falls below $1,000
  • Monthly statements combined with Business Checking Account statement

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