Designed With Your Business In Mind

Types of Business Checking Accounts We Offer

Every business is different and business checking accounts should not be a one-size fits all. With businesses large and small in mind, we offer a variety of checking accounts that come with features and benefits designed to help manage your funds. So, whether you’re a sole proprietor, a startup, mature business, or public entity, we have a checking account that will meet your needs.

Smart Business Checking

Ideal for businesses with a low level of transactions and cash handling activities each month.


Get started
  • included

    Up to $5,000 monthly cash deposits1

  • included

    150 monthly transactions included2

  • included

    Monthly Remote Deposit Capture discount - $5.00

  • included

    Online banking with Bill Pay

  • included

    Mobile banking

  • included

    Complimentary paper or eStatements

  • not included

    First check order discount - $50.00

  • not included

    Incoming wire fee reimbursement3 - unlimited

Preferred Business Checking

Ideal for businesses with a moderate level of transactions and cash handling activities each month.


Get started
  • included

    Up to $10,000 monthly cash deposits1

  • included

    300 monthly transactions included2

  • included

    Monthly Remote Deposit Capture discount - $10.00

  • included

    Online banking with Bill Pay

  • included

    Mobile banking

  • included

    Complimentary paper or eStatements

  • not included

    First check order discount - $50.00

  • not included

    Incoming wire fee reimbursement3 - unlimited

Business Interest Checking

Ideal for businesses looking to earn interest with a moderate level of transactions and cash handling activities each month.

Get started
  • included

    Up to $10,000 monthly cash deposits1

  • included

    300 monthly transactions included2

  • included

    Monthly Remote Deposit Capture discount - $10.00

  • included

    Online banking with Bill Pay

  • included

    Mobile banking

  • included

    Complimentary paper or eStatements

  • not included

    First check order discount - $50.00

  • not included

    Incoming wire fee reimbursement3 - unlimited

Prime Business Checking

Ideal for businesses with moderate to high levels of transactions and cash handling needs every month that can benefit from access to limited cash management services.

Get started
  • included

    Up to $20,000 monthly cash deposits1

  • included

    500 monthly transactions included2

  • included

    Monthly Remote Deposit Capture discount - $20.00

  • included

    Online banking with Bill Pay

  • included

    Mobile banking

  • included

    Complimentary paper or eStatements

  • included

    First check order discount - $50.00

  • included

    Incoming wire fee reimbursement3 - unlimited

Disclosures:

1 Deposits that exceed this monthly threshold will be charged a fee.

2 Transactional items include any combination of deposits processed, items deposited and checks paid. A per item fee will be charged for each item in excess of this amount during a statement cycle.

3The reimbursement will be credited to the Prime Business Checking account within one (1) business day after the fee is charged.

Additional Account Types

Analyzed Checking

Analyzed Checking accounts are eligible for advanced Treasury Management services from Mechanics Bank, including:

  • Wire origination
  • ACH
  • Positive Pay
  • Lock Box Services
  • Sweep Services
  • Account Reconciliation Services

Some or all of the fees and service charges can be offset by earnings credit received on qualified accounts with Mechanics Bank. Various activity and service fees apply based on volume and services provided.

Talk to a Treasury Relationship Manager for more details.

Exclusively for Public Entities


We are proud to offer comprehensive public fund products designed for municipal, state, and federal government entities to manage cash efficiently. Your Relationship Manager will help you choose the right accounts to meet the needs of your government agency.

  • Low fees - to maximize savings and earn more
  • Personalized service - from experienced professionals who take the time to understand your unique needs

Opening a New Business Account

To open your business account, you’ll need to provide a photo ID for all authorized signors, a Tax ID (EIN Assigned Letter from the IRS), and the correct business documentation for your business entity type. Click on the links below to see what additional documents you may need to provide for business verification.

Fictitious Business Name Statement, filed copy – required if the individual’s surname is not included or the name suggests existence of additional owners, or if the business is a franchise and plans to transact in the franchise name

  • Fictitious Business Name Statement – applicable when operating as a DBA or the business is a franchise and will be transacting in the name of the franchise
  • Amendments to Articles of Incorporation, filed copy – required only if Articles of Incorporation have changed since provided last

  • Fictitious Business Name Statement, filed copy – applicable when operating as a DBA or the business is a franchise and will be transacting in the name of the franchise
  • Articles of Organization (LLC1), filed copy – if applicable
  • Amendment (LLC2), filed copy – if applicable
  • LLC-12 Statement of Information, filed copy

Fictitious Business Name Statement, filed copy – required if any one of the following statements is true:

1) Business entity is using any name other than name of the limited partnership that is on file with CA Secretary of State

2) The business is not registered with CA Secretary of State and all partners’ surnames are not included in business name

3) The business is a franchise and will be transacting in the name of the franchise

Certificate of Limited Partnership (LP-1), filed copy

Partnership Agreement copy must be provided – can be handwritten or typed agreement and signed by all partners

Fictitious Business Name Statement, filed copy – required if:

1) Business entity is using any name other than name of the limited partnership that is on file with CA Secretary of State

2) The business is not registered with CA Secretary of State and all partners’ surnames are not included in business name

3) The business is a franchise and will be transacting in the name of the franchise

  • IRS Letter of Determination, copy – if applicable
  • FTB Letter of Determination, copy – if applicable
  • Fictitious Business Name Statement, filed copy – if applicable
  • Organization By-laws, Authorizing Meeting Minutes, or Articles of Incorporation – if incorporated, available from CA Secretary of State website
  • 3rd Party verification – IRS Letter of Determination will meet this criteria
  • Non-profit or charity documents authorizing the account and signatories – if applicable
  • Churches must provide a Charter Letter from the religious governing body authorizing account and signatories