FDIC Insured – Backed by the full faith and credit of the US Government
Mobile Banking
Mobile Banking
Mobile Deposit
Real-Time Payments
Real-Time Alerts
Digital Wallet
Contactless Card
For Banking On The Go
Mobile Banking and Mobile Deposit from Mechanics Cooperative Bank make everywhere and anywhere your virtual banking office. Get real-time account information, transfer funds and pay bills right from your mobile device with our simple and secure app.
Mobile Deposit is also available for all Mobile Banking users and allows you to safely deposit checks as soon as you receive them. Why wait to go to the Bank? It’s as easy as “Tap. Snap. Deposit.”
Real-Time Alert Benefits:
- Instant Notification – Receive instant updates on transactions, deposits, and much more!
- Budget Management – Track spending and account balances in real time to manage your finances effectively.
- Customizable Preferences – Tailor alerts according to your needs for a personalized banking experience.
- Free benefit as a Mechanics Cooperative Bank customer!
How to Enroll in Mobile Banking
- Log in to Internet Banking (Internet Banking account required to enroll)
- Download the “Mechanics Cooperative Bank” App from your iOS App Store or Google Play Store. (scroll down to the bottom of this page for direct links)
- Once downloaded, you will be prompted for your current Internet Banking user ID, and password. You may also be required to answer your security questions
Mobile Banking FAQs
Trick toggle
Is Mobile Banking secure?
To ensure the safety and privacy of your account information, we provide some key security features in Mobile 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.
Is my personal or financial information stored on my phone?
No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online banking. For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.
Are there fees to use Mobile Banking?
We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.
Which accounts can I access in Mobile Banking?
You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access.
How current is the account and transaction information?
When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.
What if my phone number changes?
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.
What if my phone is lost or stolen?
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.
Which phones can I use for Mobile Banking?
We support hundreds of models for these major brands: iPhone, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson.
How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your phone, simply delete the app from your phone.
What can I do to increase my security when using mobile banking?
We recommend you take the following steps to increase your personal information security:
- 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.
.
Should I access my accounts when using a public, Wi-Fi network connection?
You should never access your account via a wireless local area network (WLANs) or a public Wi-Fi network connection. Most mobile devices can connect to WLANs which allows customers to minimize telecommunication expenses charged through their wireless carrier. Since the network connection is public, we cannot ensure it will be secure and incidents have occurred where personal account information has been stolen from an unsecure WLAN.