Here's how it works:

  • $100-Open account with a recurring monthly electronic deposit $200 or more
  • $20 - Complete 10 debit transactions within the first 90 days
  • $10 - Enroll and use online/mobile banking
  • $10 - Make a mobile deposit
  • $10 - Sign up for e-statements


*Receive up to $150 when you open a new Mainstreet Credit Union checking account. A minimum deposit may be required at opening. Existing checking accounts do not qualify for this offer, and members are limited to one new checking account per membership. Cash back up to $150 will be deposited into the member’s share savings account as an extraordinary dividend after 90 days from account opening. To receive the full cash back amount, the member must have a monthly deposit of at least $200 posted to the account, enroll and use Online/mobile banking, deposit a check using their mobile device, participate in e-statements, and complete 10 debit card transactions within the first 90 days of account opening. Debit transactions exclude credits/refunds. Offer valid on new checking accounts opened through August 31, 2017. For the purpose of this promotion, a “month” is defined as 30 days and a “new checking account” is one that is opened under a membership number that has had no prior Mainstreet checking relationship.

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Checking —you use it every day. So it has to be mobile, flexible, and accessible!

Choose from any of Mainstreet’s checking accounts. They are designed to be convenient and accessible anytime, anywhere.
Standard features:

  • Free Bill Payer
  • Free ATM/Debit Card
  • Free OnlineAccess
  • Free PhoneAccess
  • Free Overdraft Protection
  • 30,000 free CO-OP ATMs nationwide

Additional features: (ask a Member Service Representative for details)
  • Free Automatic Transfers
  • Free Overdraft Privilege

Learn more about Overdrafts
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Free Plus Checking

Our Free Plus Checking Account really is free checking! There's no monthly service charge, and no minimum balance required. 

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Prime Checking

Prime Checking gives you all the standard features, along with monthly dividends when you maintain a balance of $500 or more.

*A $10.00 service fee is applied if your balance drops below $500 at any time during the month. 
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Classic Club Checking

Classic Club Checking is a full-service checking account for members age 55 and better that earns dividends, requires no minimum balance, and provides a host of other services free or at reduced fees. 

Additional benefits include:

  • One Free Box of Checks per calendar year
  • No monthly service charge
  • Unlimited check writing
  • Free fax and copy services
  • Safe Deposit Box discount
  • Free Traveler's Checks

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Federal Regulations
Discretionary Overdraft Privilege Policy  


Online & Mobile Banking

Don't get in line when you can go online. Enjoy the convenience of Mobile Deposit, Interbank Transfer, Apple Pay, and Text Alerts.

CO-OP has a network of 30,000 ATMs.

Locate a surcharge free* ATM near you.