21 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 8, 2026.
Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 8, 2026
Call-report figures are for Mechanics Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Oct 24, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mechanics Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service-charge income was $6.0M in Q2 2026, 9.7% above the same quarter a year earlier ($5.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $22.50, the middle of its prices
Non-Network ATM
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.6% from Q3 2025 to Q2 2026, to $6.0M.
$6.0M
Mechanics BankMedian
FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Mechanics Bank · $21.2B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mechanics Bank(this institution) | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ameriprise Bank, FSB | Minneapolis, MN | $25.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apple Bank | New York, NY | $19.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Hawaii | Honolulu, HI | $23.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beacon Bank and Trust | Brookline, MA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enterprise Bank & Trust | Clayton, MO | $17.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank | Cincinnati, OH | $22.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Hawaiian Bank | Honolulu, HI | $23.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Provident Bank | Jersey City, NJ | $25.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Seacoast National Bank | Stuart, FL | $21.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stifel Bank and Trust | Saint Louis, MO | $19.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9.98 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Mechanics Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Mechanics Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $6.0M | −$16K | −0.3% |
| Q1 2026 | $6.0M | −$317K | −5.0% |
| Q4 2025 | $6.4M | +$485K | +8.3% |
| Q3 2025 | $5.9M | +$383K | +7.0% |
| Q2 2025 | $5.5M | −$2K | −0.0% |
| Q1 2025 | $5.5M | −$302K | −5.2% |
| Q4 2024 | $5.8M | −$211K | −3.5% |
| Q3 2024 | $6.0M | +$108K | +1.8% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Mechanics Bank’s own schedules, with a source for each figure.
per day
per transaction
per day
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper statement | $2 | Not stated | None |
Overdraft & NSF | |||
| Overdraft or Returned Item fee | $35 | Not stated | None |
| Overdraft or Returned Item fee | $35 | Not stated | None |
| Overdraft or Returned Item fee | $10 | Not stated | None |
| Continuous Overdraft Fee (checking accounts only) beginning on the 5th business day and ending on the 14th business day | $5 | Not stated | None |
| Overdraft protection transfer fee | $10Not compared: Daily charge, not per item | per day | None |
| Overdraft Transfer Fee | $10 | per transaction | None |
| Maximum daily Overdraft or Returned Item fees (per day, personal accounts) | $140 | per day | None |
ATM & Card | |||
| Bank ATM | $2.50 | Not stated | None |
| International (non-Mechanics Bank ATM) | $2.50 | Not stated | None |
| Debit card replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire transfers: Foreign outgoing (each) | $40 | per item | None |
Check Services | |||
| Cashier’s checks (each) (customers only) | $10 | per item | None |
| Online Stop Payment on a paper check | $25 | Not stated | None |
| Stop payments (all items and renewals, each) | $30 | per item | None |
| Counter checks (per sheet) | $4 | per item | None |
| Foreign check processing (Canadian checks in US dollars) | No charge | Not stated | None |
Cash & Deposit | |||
| Night depository key (set-up) | $20 | Not stated | None |
| Night depository key replacement (each) | $10 | per item | None |
Account Services | |||
| Notary Fee California and Washington (audience not stated, treated as personal) | $15 | Not stated | None |
| 10x3, 10.5x3 | $100 | Not stated | None |
| 10x4, 10.5x4 | $120 | Not stated | None |
| 10x5, 10.5x5 | $130 | Not stated | None |
| 10x8, 10x9 | $180 | Not stated | None |
| 3x5, 3x6, 2x7 | $60 | Not stated | None |
| 4x5, 4x6 | $70 | Not stated | None |
| 5x5, 5x7, 6x8 | $80 | Not stated | None |
| Personal Online Banking: 11x4 | $120 | Not stated | None |
| Safe Deposit Box 10x10 | $200 | Not stated | None |
| Safe Deposit Box 10x15 | $230 | Not stated | None |
| Safe Deposit Box 10x6 | $150 | Not stated | None |
| Safe Deposit Box 10x6 (audience not stated, treated as personal) | $150 | Not stated | None |
| Safe Deposit Box 11x10 | $220 | Not stated | None |
| Safe Deposit Box 11x3 | $100 | Not stated | None |
| Safe Deposit Box 11x3 (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 15x20 (audience not stated, treated as personal) | $300 | Not stated | None |
| Safe Deposit Box 16x10 (audience not stated, treated as personal) | $250 | Not stated | None |
| Safe Deposit Box 4x2 | $50 | Not stated | None |
| Safe deposit box forced entry | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box key replacement (each) | $25Not compared: Box drilling or key fee | per item | None |
| Safe deposit box past due fees (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box set-up fee | $20 | Not stated | None |
| Wire with special handling (each): 4x2 | $50 | Not stated | None |
| Legal process (garnishments, levies) | $100 | Not stated | None |
| Credit rating form or verification of deposit form (each) | $20 | per item | None |
Lending Fees | |||
| Late fee | $10 | Not stated | None |
Other Fees | |||
| Overnight delivery of check payment | $18 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
per item
per item
per day
per day
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Clerical/Research work (business account research) | $30 | per item | None |
| Paper statement | $2 | Not stated | None |
Overdraft & NSF | |||
| Overdraft or Returned Item fee (business accounts) | $35 | per item | None |
| Overdraft or Returned Item fee (business accounts) | $35 | per item | None |
| Continuous Overdraft | $5 | per item | None |
| Continuous Overdraft Fee (checking accounts only) beginning on the 5th business day and ending on the 14th business day | $5 | Not stated | None |
| Overdraft protection transfer fee | $10Not compared: Daily charge, not per item | per day | None |
| Maximum daily Overdraft or Returned Item fees (per day, business accounts) | $350 | per day | None |
ATM & Card | |||
| Bank ATM | $2.50 | Not stated | None |
| International (non-Mechanics Bank ATM) | $2.50 | Not stated | None |
| Debit card replacement | $5 | Not stated | None |
Wire Transfers | |||
| Wire transfers: Foreign outgoing (each) | $40 | per item | None |
Check Services | |||
| Cashier’s checks (each) (customers only) | $10 | per item | None |
| Check printing varies depending on check style Clerical/Research work | $30 | Not stated | None |
| Online Stop Payment on a paper check | $25 | Not stated | None |
| Stop payments (all items and renewals, each) | $30 | per item | None |
| Counter checks (per sheet) | $4 | per item | None |
| Foreign check processing (Canadian checks in US dollars) | No charge | Not stated | None |
| Copies of cashier’s checks and paid checks (each – business account) | $4 | per item | None |
Cash & Deposit | |||
| Deposited check returned notification by phone (business accounts) | $7 | Not stated | None |
| Deposited checks (and other items) returned unpaid (charged back to account – business accounts) | $12 | Not stated | None |
| Night depository key (set-up) | $20 | Not stated | None |
| Night depository key replacement (each) | $10 | per item | None |
Account Services | |||
| 10x3, 10.5x3 | $100 | Not stated | None |
| 10x4, 10.5x4 | $120 | Not stated | None |
| 10x5, 10.5x5 | $130 | Not stated | None |
| 10x8, 10x9 | $180 | Not stated | None |
| 3x5, 3x6, 2x7 | $60 | Not stated | None |
| 4x5, 4x6 | $70 | Not stated | None |
| 5x5, 5x7, 6x8 | $80 | Not stated | None |
| Business Online Banking: Safe deposit box lock change | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $200 | Not stated | None |
| Safe Deposit Box 10x15 | $230 | Not stated | None |
| Safe Deposit Box 10x6 | $150 | Not stated | None |
| Safe Deposit Box 11x10 | $220 | Not stated | None |
| Safe Deposit Box 11x3 | $100 | Not stated | None |
| Safe Deposit Box 4x2 | $50 | Not stated | None |
| Safe deposit box forced entry | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box key replacement (each) | $25Not compared: Box drilling or key fee | per item | None |
| Safe deposit box set-up fee | $20 | Not stated | None |
| Wire with special handling (each): 4x2 | $50 | Not stated | None |
| Legal process (garnishments, levies) | $100 | Not stated | None |
| Credit rating form or verification of deposit form (each) | $20 | per item | None |
Other Fees | |||
| Overnight delivery of check payment | $18 | Not stated | None |
| Copy of previous statement (each – business account) | $5 | per item | None |
Oct 8, 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.
Where Mechanics Bank operates, and what regulators and customers have on file.
Consumer complaints
68 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Incorrect information on your report | 16 |
| Took or threatened to take negative or legal action | 12 |
| Managing an account | 11 |
| Problem with a company's investigation into an existing problem | 5 |
| Attempts to collect debt not owed | 4 |
| Closing an account | 4 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Fee change alerts
We check once a day and send one email covering every change.