Digital Banking

• Unique Activation Code — We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
• Authentication — you are authenticated for every interaction with Mobile Banking.
• Encryption — we use 128-bit encryption for all transactions.
• Fraud Detection — we incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• Auditability — we provide full audit capabilities through event logs and event-based reporting.
• No Identifiable Information — we don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

If your mobile phone number changes, give us a call at 1-888-MECHANICS (632-4264) to update your information. Or, visit any of our conveniently located branches during normal business hours.

If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name.

• All mobile banking users should password protect their phone to limit unwanted access when left unattended, or lost or stolen.
• Using an app or web based mobile banking platform provides a more secure method of access verses SMS text. To further minimize security risks associated with a mobile browser, such as phishing, website spoofing and man in the mobile attacks, we recommend utilizing our downloadable app for all your mobile transactions.
• Also, be sure when downloading applications to your phone; only download from reputable sources and web sites.

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• Sign/Endorse the back of your check, and write “Mobile Deposit Only” directly under the endorsement signature on the back of the check
• When prompted for the amount, enter the check amount and be sure it matches the amount written on your check.
• Take a clear picture of the entire front and back of the check to include all four corners, but not too much of the surroundings and hold the camera square to the check to reduce corner to corner skew.
• Make sure that the entire check image is visible and in focus before submitting the deposit. Also, be sure to clearly capture the MICR line (numbers on the bottom of your check).
• Keep the checks deposited via Mobile Deposit for thirty (30) days before they are destroyed.
• Deposits made after 4:00 pm EST will be considered deposited on the following business day and will usually be available within two business days.
• You can monitor the status of your mobile deposits through Mobile Banking.
• All mobile deposits will be labeled “Remote Deposit” on your monthly statements and within Online Banking.

• Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). This applies even if the person is an authorized signer on the same account the check is being deposited into.
• Checks payable to you and jointly to another party. This applies even if the person is an authorized signer on the same account the check is being deposited into.
• Checks that contain evidence of alteration, or that you know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
• IRS Checks, Savings Bonds, foreign checks and insurance checks.