General Account & Services Information
Please review important information about your new accounts and services.
Personal Checking and Savings Accounts
- Your current Mechanics Bank personal account is being transitioned to a new Mechanics Bank account on our new system beginning on Friday, March 20, 2026
- For information specific to your new account(s) and to review the “Change in Terms,” please review the Personal Account Transition Guide. Learn more
- Your account number will not change, unless we notify you directly.
- The bank’s Routing Number you use now will continue to work.
- You may continue to use your existing HomeStreet or Mechanics Bank checks and deposit slips without interruption.
- Direct deposits and pre-scheduled automatic transfers to and from your accounts will continue without interruption. Automatic transfers will be posted to the account nightly on the same business day that the transfer is scheduled, or the next business day if the transfer is scheduled on a weekend or holiday.
Certificates of Deposit (CDs)
There are no changes to your CD term, interest rate, payment date or payment method, however, once your CD matures, it will be subject to Mechanics Bank terms and interest calculations in effect at the time of renewal.
Linked Overdraft Protection
If you currently have a linked account for overdraft protection, that link will be carried over on the new system. There’s no further action you need to take. You may link one account or one credit line to your Checking Account for Overdraft Protection. If multiple overdraft sources are on file, one will be designated as the primary Overdraft Protection source. Please contact your Banker to learn which overdraft source has been designated for your unique situation. To update your primary linked Overdraft Protection source, please speak with your Banker.
Wire Transfers
- For incoming wire transfers dated after Friday, March 20, 2026, please notify the senders of Mechanics Bank’s routing and transit number, which is 121102036
- Outgoing wire transfers can be made in person at your local branch
ATM, Debit and Credit Cards
Your HomeStreet ATM, Debit and Credit Cards with a Visa® logo will continue to work after March 20 with no interruptions, until further notice.
- Wealth Management clients will receive updated Mechanics Bank ATM, Debit and Credit Cards the first week of March
- ATM-only cards (those without a Visa® logo) will also be replaced the first week of March
- Any recurring payments you make linked to your current HomeStreet Debit Card will continue uninterrupted
Account Statements
Your interim statement from Mechanics Bank will show a record of transactions through Friday, March 20, 2026 (no transactions will be processed on March 21 or 22, 2026). Thereafter, your Mechanics Bank statements will be mailed or delivered electronically at approximately the same time each month as your current statements. You will receive two separate statements in March.
- If your product name changed, you will see the new name at the top of the 2nd statement
- Although you will notice a slightly different format, the information included in your statement will be the same
- If you receive eStatements (electronic statements) with your current account, you will continue to receive them
- If you currently receive paper statements, you will continue to receive them
- If you currently receive BOTH electronic and paper statements, you will continue to receive both
- If you have any questions after you receive your Mechanics Bank statement, please call Customer Care at 800.719.8080
Account Agreement
Your deposit Account Agreement has been modified. Please see the new Account Agreement here. Additional copies are also available in your local branch.
Loan Accounts
While it is expected that all consumer loan terms and conditions will remain the same, you will receive a separate mailing if any changes are necessary.
- Your consumer loan account number may change. If so, you will receive a separate mailing with your new loan account number and any important additional information.
- Loan payments should be made according to the original payment schedule to the address noted on your current billing statement
- If you have an existing Mechanics Bank mortgage or Home Equity Line of Credit loan, your loan is not impacted by these changes
Safe Deposit Boxes
Please continue to access and use your Safe Deposit Box as you normally do. Annual rental fee by box varies by size. If your fee changes, you will be contacted before your annual renewal date. Please contact your local branch for availability and pricing.