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What You Need To Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below).

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Mechanics Bank pays my overdraft?

Under our standard overdraft practices:

What if I want Mechanics Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below, call 800.797.6324 or complete the paper form and present it at a branch or mail it to: P.O. Box 5610, Hercules, CA 94547. You can revoke your authorization for Mechanics Bank to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.


First Name is required.

Last Name is required.

Email is required.

Account Number is required.

Phone Number is required.

Please select your overdraft coverage preference.

By submitting your preference electronically, you agree to receive an electronic verification notice to the email address entered above.