Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Mechanics Bank

Mansfield, OhioBankCleveland Fed districtFees collected Apr 22, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research (per hour / one hour minimum)$25Within the typical range ($20–$25 nationally)

Overdraft & NSFVerified

An overdraft fee of$32Within the typical range ($25–$32 nationally)
$2 above the national median
per item · Source
Mechanics Overdraft Privilege (MOP) fee$32Within the typical range ($25–$32 nationally)
$2 above the national median
Source
Non-Sufficient Funds / Non-Collected Funds (Insufficient/Uncollected Funds)$32Above the typical range ($25–$31 nationally)
$2 above the national median
Source

ATM & CardVerified

Debit Card with a rush (3 business days)$60Above the typical range ($30–$50 nationally)
$20 above the national median
Source
Replace Lost ATM/Debit Card$10Within the typical range ($5–$10 nationally)
At the national median
Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$5.50 nationally)
At the national median
Source
Check Cashing Fee (for Non-Mechanics Bank customers)$5Within the typical range ($5–$10 nationally)
At the national median
Source
Copy of Check$3.50Within the typical range ($2–$5 nationally)
$0.50 above the national median
Source
Counter Checks$0.25Below the typical range ($1–$4 nationally)
$1.75 below the national median
Source
Personal Money Order$5Above the typical range ($1.75–$3 nationally)
$3 above the national median
Source
Stop Payment (each)$30Within the typical range ($20–$30 nationally)
$4 above the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research (per hour / one hour minimum)	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Dormant Account (per month after 2 years)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Green Account Paper Statement Processing Fee (monthly)	$10Above the typical range ($2–$5 nationally)	$7 above the national median	per month	—	Source
Overdraft & NSFVerified
An overdraft fee of	$32Within the typical range ($25–$32 nationally)	$2 above the national median	per item	—	Source
Mechanics Overdraft Privilege (MOP) fee	$32
ATM & CardVerified
Debit Card with a rush (3 business days)	$60Above the typical range ($30–$50 nationally)	$20 above the national median	—	—	Source
Replace Lost ATM/Debit Card	$10
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	—	—	Source
Check Cashing Fee (for Non-Mechanics Bank customers)	$5
Digital & ElectronicVerified
Unauthorized ACH Return Items (for ACH originators)	$5Below the typical range ($16.88–$30 nationally)	$21 below the national median	—	—	Source
Cash & DepositVerified
Returned Deposit Items	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$4.95Above the typical range ($3–$4.45 nationally)	$1.45 above the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$32

Overdraft fee: $32

7% above the national median overdraft fee

Total fees: 17 — leaner than most institutions

Headline fees published

7 of 15

Published fees

Under review

Assets

$896.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$896.4M

Total deposits

$790.2M

Service charge income

$270K

Fee income ratio

3.0%

Return on assets

0.80%

Branches

Service charge income by quarter

Q2 2026$270K

Q1 2026$248K

Q4 2025$248K

Q3 2025$244K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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Based on 34,850 published fee entries from 2,498 institutions

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