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Introduction

Our overdraft protection services, like Mechanics Overdraft Privilege Service, Account Protection Transfer, and Overdraft Protection Line, help keep you covered in the event that you overdraw your account.

Mechanics Overdraft Privilege Service (MOPS)*

Key features:

  • Offered for eligible checking accounts
  • You may avoid high charges from merchants for returned checks
  • Mechanics may pay your occasional and inadvertent overdrafts up to $800 for personal accounts and $1,500 for business accounts
  • Charge of $32 for each item that would create an overdraft
  • An additional overdraft charge of $5 will be charged each business day that the account is overdrawn after seven days
  • MOPS is a discretionary service that you may opt out of at any time by notifying the Answer Center at 419-524-0831

Disclosures:

* Some restrictions may apply. Not all accounts are eligible. Overdraft services can be revoked at any time. Fees subject to change.

Account Protection Transfer*

Key features:

  • Sweep money from a Money Market or another checking to cover overdrawn funds
  • You may avoid high charges from merchants for returned checks
  • Fee of only $5 per sweep

Disclosures:

* Some restrictions may apply. Not all accounts are eligible. Overdraft services can be revoked at any time. Fees subject to change.

Overdraft Protection Loan (OPL)*

Key features:

  • Protect your checking account from being overdrawn with an unsecured loan
  • Freedom of having a reserve fund at your command
  • Charge of $5 for each advance from the loan
  • Minimum advance of $50

Disclosures:

* Subject to credit approval. Some restrictions may apply. Not all accounts are eligible. Overdraft services can be revoked at any time. Fees subject to change.