vs. U.S. typical range:LowerTypicalHigher
$3 below the national median$2.50 below the California median
per month · Source
$1 below the national median$0.50 below the California median
per month · Source
$12.50 above the national median$10 above the California median
per item · Source
$1 below the national median$0.50 below the California median
$5 above the national median$10 above the California median
$20 below the national median$15 below the California median
$5 above the national median$10 above the California median
per item · Source
At the national medianAt the California median
$5 above the national median$7 above the California median
$5 above the national median$7 above the California median
per day · Source
$5 above the national median$7 above the California median
per transaction · Source
$225 above the national median$214 above the California median
per day · Source
$15 above the national median$4 above the California median
per day · Source
$1 above the national median$0.50 above the California median
$5 below the national median$5 below the California median
At the national medianAt the California median
$10 below the national median$5 below the California median
per item · Source
$5 above the national median$5 above the California median
per item · Source
$2.50 below the national median$2.50 above the California median
$2.50 above the national median$7.50 above the California median
per item · Source
$2 above the national median$1 above the California median
per item · Source
$1 above the national median$1 above the California median
per item · Source
$8 below the national median$11 below the California median
$3 below the national median$6 below the California median
$10 above the national median$2.50 below the California median
At the national median$12.50 below the California median
per item · Source
$12.50 above the national medianAt the California median
$55 above the national median$25 above the California median
$75 above the national median$45 above the California median
$85 above the national median$55 above the California median
$135 above the national median$105 above the California median
$15 above the national median$15 below the California median
$35 above the national median$5 above the California median
$20 below the national median$50 below the California median
$155 above the national median$125 above the California median
$185 above the national median$155 above the California median
$175 above the national median$145 above the California median
$5 above the national median$25 below the California median
$105 above the national median$75 above the California median
$20 below the national median$50 below the California median
$25 below the national median$55 below the California median
$50 above the national median$55 above the California median
$10 above the national median$10 above the California median
per item · Source
$10 below the national median$10 below the California median
$12 below the national median$9.50 below the California median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly service charge | $3Below the typical range ($4–$10 nationally) | $3 below the national median$2.50 below the California median | per month | — | Source |
| Monthly service charge | $5Within the typical range ($4–$10 nationally) | $1 below the national median$0.50 below the California median | per month | — | Source |
| Clerical/Research work (business account research) | $30Above the typical range ($11–$25 nationally) | $12.50 above the national median$10 above the California median | per item | — | Source |
| Paper statement | $2Within the typical range ($2–$4.88 nationally) | $1 below the national median$0.50 below the California median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft or Returned Item fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$10 above the California median | — | — | Source |
| Overdraft or Returned Item fee (business accounts) | $10 | ||||
ATM & CardVerified | |||||
| This fee is charged by Mechanics Bank and is in addition to any fee charged by the (out-of-network) ATM owner/operator | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$0.50 above the California median | — | — | Source |
| Debit card replacement | |||||
Wire TransfersVerified | |||||
| Wire transfers: Foreign outgoing (each) | $40Within the typical range ($40–$50 nationally) | $10 below the national median$5 below the California median | per item | — | Source |
Check ServicesVerified | |||||
| Cashier’s checks (each) (customers only) | $10Above the typical range ($3–$6 nationally) | $5 above the national median$5 above the California median | per item | — | Source |
| Check printing varies depending on check style Clerical/Research work | |||||
Cash & DepositVerified | |||||
| Deposited check returned notification by phone (business accounts) | $7Below the typical range ($8–$25 nationally) | $8 below the national median$11 below the California median | — | — | Source |
| Deposited checks (and other items) returned unpaid (charged back to account – business accounts) | |||||
Account ServicesVerified | |||||
| Notary Fee California and Washington | $15Above the typical range ($0–$5 nationally) | $12.50 above the national medianAt the California median | — | — | Source |
| 10x3, 10.5x3 | $100 | ||||
Lending FeesVerified | |||||
| Late fee | $10Within the typical range ($10–$25 nationally) | $10 below the national median$10 below the California median | — | — | Source |
Other FeesVerified | |||||
| Overnight delivery of check payment | $18Below the typical range ($20–$40 nationally) | $12 below the national median$9.50 below the California median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 47 others that publish it, 40 lower, 7 the same and 0 higher.
Monthly maintenance
$4.00
Of 52 others that publish it, 11 lower and 41 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
11 of 15
Published fees
46
Under review
0
Assets
$21.2B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$21.2B
Total deposits
$18.1B
Service charge income
$6.0M
Fee income ratio
3.0%
Return on assets
1.13%
Branches
169
Service charge income by quarter
Financial profile · Pro
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| $20 below the national median$15 below the California median |
| — |
| — |
| Source |
| Overdraft or Returned Item fee (business accounts) | $35Above the typical range ($25–$33 nationally) | $5 above the national median$10 above the California median | per item | — | Source |
| Continuous Overdraft Fee (checking accounts only) beginning on the 5th business day and ending on the 14th business day | $5Within the typical range ($5–$17 nationally) | At the national medianAt the California median | — | — | Source |
| Deposited checks (and other items) returned | Overdraft protection transfer fee | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$7 above the California median | — | — | Source |
| Overdraft protection transfer fee | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$7 above the California median | per day | — | Source |
| Overdraft Transfer Fee | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$7 above the California median | per transaction | — | Source |
| Maximum daily Overdraft or Returned Item fees (per day, business accounts) | $350Above the typical range ($99.50–$175 nationally) | $225 above the national median$214 above the California median | per day | — | Source |
| Maximum daily Overdraft or Returned Item fees (per day, personal accounts) | $140Within the typical range ($99.50–$175 nationally) | $15 above the national median$4 above the California median | per day | — | Source |
| $5Within the typical range ($5–$10 nationally) |
| $5 below the national median$5 below the California median |
| — |
| — |
| Source |
| International (non-Mechanics Bank ATM) | $2.50Within the typical range ($1–$5 nationally) | At the national medianAt the California median | — | — | Source |
| $30Above the typical range ($0–$15 nationally) |
| $29 above the national median |
| — |
| — |
| Source |
| Personal Online Banking Online Stop Payment on a paper check | $25Within the typical range ($20–$30 nationally) | $2.50 below the national median$2.50 above the California median | — | — | Source |
| Stop payments (all items and renewals, each) | $30Within the typical range ($20–$30 nationally) | $2.50 above the national median$7.50 above the California median | per item | — | Source |
| Counter checks (per sheet) | $4Within the typical range ($1–$4 nationally) | $2 above the national median$1 above the California median | per item | — | Source |
| Copies of cashier’s checks and paid checks (each – business account) | $4Within the typical range ($2–$5 nationally) | $1 above the national median$1 above the California median | per item | — | Source |
| $12Within the typical range ($8–$25 nationally) |
| $3 below the national median$6 below the California median |
| — |
| — |
| Source |
| Night depository key (set-up) | $20Within the typical range ($5–$20 nationally) | $10 above the national median$2.50 below the California median | — | — | Source |
| Night depository key replacement (each) | $10Within the typical range ($5–$20 nationally) | At the national median$12.50 below the California median | per item | — | Source |
| $55 above the national median$25 above the California median |
| — |
| — |
| Source |
| 10x4, 10.5x4 | $120Above the typical range ($30–$70 nationally) | $75 above the national median$45 above the California median | — | — | Source |
| 10x5, 10.5x5 | $130Above the typical range ($30–$70 nationally) | $85 above the national median$55 above the California median | — | — | Source |
| 10x8, 10x9 | $180Above the typical range ($30–$70 nationally) | $135 above the national median$105 above the California median | — | — | Source |
| 3x5, 3x6, 2x7 | $60Within the typical range ($30–$70 nationally) | $15 above the national median$15 below the California median | — | — | Source |
| 5x5, 5x7, 6x8 | $80Above the typical range ($30–$70 nationally) | $35 above the national median$5 above the California median | — | — | Source |
| Business Online Banking: Safe deposit box lock change | $25Below the typical range ($30–$70 nationally) | $20 below the national median$50 below the California median | — | — | Source |
| Safe Deposit Box 10x10 | $200Above the typical range ($30–$70 nationally) | $155 above the national median$125 above the California median | — | — | Source |
| Safe Deposit Box 10x15 | $230Above the typical range ($30–$70 nationally) | $185 above the national median$155 above the California median | — | — | Source |
| Safe Deposit Box 11x10 | $220Above the typical range ($30–$70 nationally) | $175 above the national median$145 above the California median | — | — | Source |
| Safe Deposit Box 4x2 | $50Within the typical range ($30–$70 nationally) | $5 above the national median$25 below the California median | — | — | Source |
| Safe deposit box forced entry | $150Above the typical range ($30–$70 nationally) | $105 above the national median$75 above the California median | — | — | Source |
| Safe deposit box past due fees | $25Below the typical range ($30–$70 nationally) | $20 below the national median$50 below the California median | — | — | Source |
| Safe deposit box set-up fee | $20Below the typical range ($30–$70 nationally) | $25 below the national median$55 below the California median | — | — | Source |
| Legal process (garnishments, levies) | $100Above the typical range ($30–$90 nationally) | $50 above the national median$55 above the California median | — | — | Source |
| Credit rating form or verification of deposit form (each) | $20Above the typical range ($5–$15 nationally) | $10 above the national median$10 above the California median | per item | — | Source |