FDIC Insured – Backed by the full faith and credit of the US Government
Life doesn’t only happen between the hours of 9 and 5, and neither does managing your money. Whether you’re juggling a busy work schedule, chasing kids around, or simply prefer to handle your finances from your couch, Mechanics Cooperative Bank’s digital banking tools make it easy to stay in control of your money, wherever you are.
Since 1877, Mechanics Cooperative Bank has been rooted in offering accessible banking for the community. Today, that same commitment extends to your phone, tablet, and computer, giving you the tools to bank smarter, avoid unnecessary fees, and stay on track to work toward your financial goals.
Here’s how to put digital banking services to work for you.
1. Manage Your Money Anywhere with Online & Mobile Banking
With online and mobile banking, you can check balances, review transactions, transfer funds between accounts, and manage your finances anytime, anywhere. No more waiting until you’re near a branch or in front of a desktop computer, your accounts are in your pocket and ready when you need them.
2. Set Up Real-Time Alerts to Stay Ahead of Overdrafts
One of the easiest ways to avoid overdraft fees? Know before it happens. Real-Time Alerts keep you informed and in control by notifying you of important account activity, such as low balances, large transactions, or deposits, right as they happen. Setting up custom alerts means you’re never caught off guard by an unexpected shortfall, giving you the chance to move funds or adjust spending ahead of time.
3. Deposit Checks in Seconds with Mobile Deposit
Skip the trip to the branch. With Mobile Deposit, you can deposit checks from anywhere using just your phone camera. Whether it’s a paycheck, a birthday check from Grandma, or a reimbursement, your funds can be on their way into your account in just a few taps.
4. Get Paid Instantly with Real-Time Payments
Waiting days for money to clear can throw off even the most careful budget. With Real-Time Payments, you can get paid instantly from people and businesses, so the money you’re owed is available to you faster.
5. Stay on Top of Bills with Scheduled Payments
Missed or late bill payments are one of the most common (and avoidable) causes of overdraft fees and credit dings. Through Online Bill Pay, you can schedule bill payments in advance, set up recurring payments for regular expenses, and track upcoming due dates all in one place so that nothing slips through the cracks.
6. Tap and Go with Digital Wallet & Contactless Card
For everyday purchases, Digital Wallet integration and Contactless Card features let you pay quickly and securely. It’s a fast, secure way to manage spending on the go while keeping your transactions easy to track in the app.
Small Habits, Big Impact
Together, these habits can help you avoid overdraft fees, reduce financial stress, and make steady progress toward your savings goals, all without stepping foot in a branch! Though we’re always happy to see you at one of our nine local locations across Massachusetts.
Mechanics Cooperative Bank is Member FDIC. Member DIF. Equal Housing Lender.