Monthly fee
$7
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Mechanics Bank · Checking account
Mechanics Essential
$0 a year for an everyday customer. $7 a month. $25 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · mechanicsbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · mechanicsbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#193of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Contactless card
- Debit card
- Interest bearing
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $7 a monthmechanicsbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $1,000 average monthly collected balance
- Primary Account Holder is a qualifying student, ages 14-24
- Primary Account Holder is age 55 or older
- A deposit is made to the account during the statement cycle
- Minimum to open
- $25mechanicsbank.com, checked Nov 8, 2026
- ATM network
- MoneyPass® ATMs nationwidemechanicsbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees