Mechanics BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Mechanics Essential

$7monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $25 to open
On our list: #167 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $7 a monthSource · checked Oct 10, 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
Source · checked Oct 10, 2026
Minimum to open: $25Source · checked Oct 10, 2026
ATM network: MoneyPass® ATMs nationwideSource · checked Oct 10, 2026

Bill payContactless cardDebit cardInterest bearing

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

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