Choose the way you'd like to Contact Us

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You will be contacted through the e-mail address listed in your ‘Profile’.

You can place a stop payment on a lost or stolen check that has not yet been presented for payment by phone or at any branch.

• By phone: Contact the Member Assistance Center

• Branch: Stop by any branch location

Stop payments placed through the Member Service Center or at a branch are assessed a fee of $25 per request or $35 for a series of checks.

You will need to provide your 13-digit account number which differs from your member number. A 13-digit number is needed for all automatic clearing house (ACH) transactions. You can find this at the bottom of your checks. From left to right you will see our routing number, a separator symbol, then your 13-digit account number.

Automatic Loan Payments allow regular payments on a Mainstreet loan to be transferred from your checking or savings account. To set up automatic payments, call the Member Assistance Center or stop by any branch location.

OnlineAccess users may sign up for Mainstreet's Bill Payer service. Bill Payer provides flexible options for paying Credit Union loans and other businesses or individuals. Learn more.

You can use our mobile banking app, OnlineAccess through your PC, or PhoneAccess from a touch tone phone. You may also visit any branch or call our Member Assistance Center.

Visit our Become a Member page.

You can update your phone number or email address in mobile banking.

1. Log In

2. Click on the User Profile icon and click Settings

3. Click Edit next to your phone or email

4. Verify your password

5. Edit your contact information

6. Click Save

Phone and email updates will happen immediately. All address updates will be reviewed by a member service representative and you may be contacted for additional information.

There is no application fee for a pre-approval, however once a specific address is identified and before an appraisal is ordered, a $450 application deposit is collected. This application deposit is credited back at closing.

You can lock in an interest rate once we have the specific property address and are within 30-90 calendar days of a closing date. Locking commits Mainstreet to a specific interest rate for your loan. Rate locks are always done in writing with copies provided for the borrowers and Mainstreet. A roll-down fee to renegotiate your rate lock commitment is available.

Times are changing. As the economy evolves, the U.S. Department of the Treasury has announced it will stop producing the penny.

• We are no longer able to order pennies from the Federal Reserve, which limits our ability to fill change orders that include them.

• Rolls of pennies are no longer available at our branches.

• Cash in your pennies sooner rather than later. While no official date has been set, there may come a time when Mainstreet will no longer accept pennies for deposit.

• Expect rounding – we will round down to the nearest five cents.

• Use digital payments – card and mobile transactions will continue to process to the exact cent and are not affected by rounding.

• When closing an account, if your final balance includes 1–4 cents, the amount will be rounded down. You may request a cashier’s check for the exact amount or choose to donate the remaining cents to Children’s Miracle Network.

Click here to schedule an appointment.

All appointments can be made online using your smartphone, computer or tablet. Once you have scheduled the appointment, a confirmation email will be sent to the email address you provided.

Double check the browser you are using. To access Appointment Concierge with ease, Mainstreet members should use the Google Chrome browser. You can download Google Chrome here.

If you are experiencing difficulties with Appointment Concierge, you can also contact our Member Assistance Center at 888-395-1010.

Appointments can be made as quickly as 1 hour in advance and looking up to 2 weeks out in the calendar. Some appointments are available by phone or in-person, while others are phone-only appointments.

Services available

CARD SERVICES

• Get assistance with ATM, Debit or Credit Cards

NEW ACCOUNTS

• Open a new membership

• Open a savings, checking, IRA, Youth or Business account

LOANS & MORTGAGES

• Purchase or finance vehicles, Harleys, ATVs or motor homes

• Meet with a representative to borrow money for nearly any purpose

• Apply for a Mastercard^® credit card and borrow money as you need it

• Discuss options to borrow against your home’s equity

• Discuss your business lending needs with a representative

OTHER FINANCIAL NEEDS

• Schedule a call or in-person appointment to update your account information

• Get help accessing your online account, mobile app or other online features

• Make an appointment to get your business or personal documents notarized

• Transfer money to an individual or entity

• Place a stop payment on a single check, ACH or a series of checks

• Schedule time to access your safe deposit box

You can cancel or reschedule your appointment from the confirmation email you received.

You can choose a specific representative to meet with if there is one you’re more familiar with.

1. Bring any documents that you may need for your appointment.

2. Parking looks a bit different at each branch so look for any signage that helps guide you to the right location for parking.

3. When you arrive, someone will be available to help check you in when you arrive.

In some cases, the card involved in a dispute may need to be closed. If that happens, just contact us and we'll get you a new one, either an instant-issue card at a branch or a replacement mailed to you.

If our dispute department determines a fraudulent charge is valid, any overdraft fee caused by that charge will be refunded. Overdraft fees caused by other transactions while funds were unavailable are not refunded.

Yes. Beginning July 27, 2026, fraud alerts can be delivered via SMS/text message so you can quickly verify suspicious activity.

Important: A travel notice does not eliminate all fraud monitoring. If suspicious or unusual card activity is detected while you're traveling, you may receive a fraud alert text asking you to verify a transaction. These alerts help protect your account and ensure legitimate purchases can be processed as quickly as possible. Fraud alert text messages are sent 24/7 from 2WC using short code 96923. We recommend saving 96923 in your contacts so you can quickly recognize and respond to fraud alerts.

Spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity. Scammers often use neighbor spoofing so it appears that an incoming call is coming from a local number or spoof a number from a company or a government agency that you may already know and trust. If you answer, they use scam scripts to try to steal your money or valuable personal information, which can be used in fraudulent activity.

https://youtu.be/PS3llQfRLD8   (Opens in a new window)

Reminder:
Mainstreet Credit Union will NOT contact you requesting you to share account information. Fraudsters can spoof real numbers (including your credit union’s phone number), and falsely claim that there has been potential fraudulent activity on your account, in an attempt to scare you into providing your account information.

If you are contacted by someone asking you to provide passwords or any information that appears on your debit, ATM, or credit card (such as card number, CVV number, expiration date, etc.), DO NOT share anything with them. HANG UP IMMEDIATELY. Remember these fraudsters can mask phone numbers and make it appear as though they are calling from a valid number, even a Mainstreet Credit Union number. If you are unsure whether the representative calling you is from Mainstreet Credit Union, hang up and contact us at 913-599-1010 or toll-free 888-395-1010 or stop by a branch so we can review your account activity with you.