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 thirty days
  • MOPS is a discretionary service that you may opt out of at any time by notifying the Answer Center at 419-524-0831


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