Mechanics Bank

Headquarters: Mansfield, Ohio
Charter: Bank
Assets: $896.4M
Fed district: Cleveland

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Mechanics Bank: $32
Mechanics Bank: $32
U.S. median: no median
NSF / Returned Item
Mechanics Bank: $32
Mechanics Bank: $32
U.S. median: no median
Stop Payment
Mechanics Bank: $30
Mechanics Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Mechanics Bank’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (per month after 2 years)$5
per month
Account Research (per hour / one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Green Account Paper Statement Processing Fee (monthly)$10
per month

Overdraft & NSF

Mechanics Overdraft Privilege (MOP) fee$32
Overdraft fee$32
per item
Non-Sufficient Funds / Non-Collected Funds (Insufficient/Uncollected Funds)$32

ATM & Card

Replace Lost ATM/Debit Card$10
Debit Card with a rush (3 business days)$60

Check Services

Cashier's Check$5
Personal Money Order$5
Stop Payment (each)$30
per item
Counter Checks$0.25
Check Cashing Fee (for Non-Mechanics Bank customers)$5
Collection Item (plus out-of-pocket expense)$5
Copy of Check$3.50

Digital & Electronic

Unauthorized ACH Return Items (for ACH originators)$5

Cash & Deposit

Returned Deposit Items$15

Gift & Prepaid Cards

Visa Gift Card$4.95

Other Fees

Copy of Prior Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (per month after 2 years)	$5	per month	None
Account Research (per hour / one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Green Account Paper Statement Processing Fee (monthly)	$10	per month	None
Overdraft & NSF
Mechanics Overdraft Privilege (MOP) fee	$32	Not stated	None
Overdraft fee	$32	per item	None
Non-Sufficient Funds / Non-Collected Funds (Insufficient/Uncollected Funds)	$32	Not stated	None
ATM & Card
Replace Lost ATM/Debit Card	$10	Not stated	None
Debit Card with a rush (3 business days)	$60	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Personal Money Order	$5	Not stated	None
Stop Payment (each)	$30	per item	None
Counter Checks	$0.25	Not stated	None
Check Cashing Fee (for Non-Mechanics Bank customers)	$5	Not stated	None
Collection Item (plus out-of-pocket expense)	$5	Not stated	None
Copy of Check	$3.50	Not stated	None
Digital & Electronic
Unauthorized ACH Return Items (for ACH originators)	$5	Not stated	None
Cash & Deposit
Returned Deposit Items	$15	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4.95	Not stated	None
Other Fees
Copy of Prior Statement	$5	Not stated	None

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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