Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Monthly Service Fee
The Monthly Service Fee of $24.00 can be waived by:- Maintaining an average monthly balance of $25,000.00;-OR Maintaining an combined monthly balance of $50,000.00.- OR primary account owner is a primary owner of a Rabobank Wealth Management account
$24.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
Unlimited rebates on fees charged by other banks
Yes
Surcharge-Free ATM Access
Surcharge-free ATM access to the Allpoint network of over 55,000 ATMS internationally
Yes
Non-affiliated ATM Usage Fee
No fee
$0.00
International ATM Usage Fee
There is a $2.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
$2.50/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, receive alerts, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
PopMoney
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- An email to let you know there's a secure message for you in Online Banking.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Initial order of 1 box of checks is free
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 12 months.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $5.00 fee for a negative balance after 2 calendar days with less than a $0.00 balance. After that, this fee is assessed every 2 days with a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
$35.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- No Transfer Fee;- Funds are transferred in fixed increments of $10.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged for every $10.00 of negative balance;- Funds are transferred in fixed increments of $10.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.
Available
About Mechanics Bank
Rabobank is a valued financial partner for thousands of individuals, businesses, farmers and ranchers, food and agribusiness companies and other select institutions across the Americas.
We are the bank of choice in many California communities, meeting the financial needs of local families, businesses and organizations with great banking products and personalized service by friendly, knowledgeable bankers.