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Convenience Services

  • Stop Payments
  • Wire Transfers
  • Telephone Banking
  • Safe Deposit Boxes
  • Check Card

    • In addition to being able to withdraw funds from any ATM, the check card is accepted as payment for goods and services by merchants who accept Visa
    • There is a $1.00 charge per month per card

    Overdraft Protection

    • This service is provided to qualifying customers
    • There is a $25.00 annual fee, for MAC account holders the fee is $20.00

    Credit Cards

    • We offer Visa and MasterCard
    • Applications available at all our branches

    Deluxe Visa Gift Card

    • Deluxe Card Visa Gift Cards are prepaid gift cards.
    • Gift Cards can be used anywhere Visa debit cards are accepted.
    • Card amounts as low as $20.
    • Corporate and bulk orders available.
    • There is a one time $5.00 fee for the purchase of each card.
    • Available at any Mechanics Bank Branch Location.
    • Click here for more information!

    Night Depository

    • There is one at all locations, Water Valley and Oxford
    • A key to the night drop is available upon request.
    • A locked bag is available upon request
    • There is no charge for this service

    Direct Deposit

    • Is available to all customers with a checking or savings account
    • There is no fee for this service

    Travelers Checks

    • We carry American Express
    • There is $1.00 fee per $100.00 purchased
    • There is $1.75 fee per $100.00 purchased for Travelers Checks for Two
    • MAC account holders pay no fee

    Stop Payments

    • There is a $28.00 charge per stop pay

    Wire Transfers

    • This service is provided at our bank for our customers
    • There is a $15.00 charge for outgoing wires

    Telephone Banking

    • This is a service provided by our bank
    • This service is available 24 hours a day
    • You can check on your accounts, transfer funds from one account to another, check CD rates
    • For your convenience we have two numbers 662-533-3000 or 662-264-3000

    Safe Deposit Boxes*

    • Safe deposit boxes are available.

    *Safe Deposit Boxes are not FDIC insured.

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