

Three easy steps = extra money in your pocket
Earn a $300* bonus when you open a new Mainstreet checking (Spend) account and complete these three easy steps:
1. Enroll in eStatements - In the app or online banking, opt into electronic statements. It’s that easy.
2. Use your debit card 25 times - Pay for things you already buy coffee, groceries, gas, subscriptions, and takeout. Small purchases count- and add up fast.
3. Set up a qualifying direct deposit - Switch your recurring paycheck, pension or government benefit, to the new account.
Four Spend account options. Plenty of perks.
Simply choose from one of the options below based on your financial needs and goals, and we’ll take care of the rest.
Take advantage of this promotion from April 1 - June. 30, 2026
Cash Back Spend
Make your money go further. Earn rewards by using your debit card for everyday purchases
- Open an Account
No minimum opening deposit
-
No minimum balance
-
Earn 2% cash back on the first $250 in debit card purchases each month
- 5Early Pay - Get your direct deposit up to 2 days early
- Round-Up - round-up cents are deposited into a savings account of your choice.
-
TO QUALIFY FOR CASH BACK:
Make 25 debit card transactions
monthly (ATM excluded)
Monthly direct deposit or at least
two ACH1 deposits totaling $500
- Open an Account
- All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
High Yield Spend
Grow your balance while keeping your cash accessible with premium returns for everyday account use.
- Open an Account
No minimum opening deposit
-
$1,000 minimum balance
to avoid a $10 monthly fee -
Earn a competitive APY2 starting at 3.00% APY2 (tiered rates apply)
- 5Early Pay - Get your direct deposit up to 2 days early
- Round-Up- round-up cents are deposited into a savings account of your choice.
-
TO QUALIFY FOR DIVIDENDS3:
Make 25 debit card purchases each month (ATM excluded)
Monthly direct deposit or at least
two ACH1 deposits totaling $500
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
Classic Spend
Enjoy added benefits designed for members age 55 and up.
- Open an Account
- No minimum opening deposit
No minimum balance
-
One free box of checks each year (standard shipping; restrictions apply)
- Free Cashier's checks and money orders
- 5Early Pay - Get your direct deposit up to 2 days early
- Round-Up- round-up cents are deposited into a savings account of your choice.
- Earns monthly dividends
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
Student Spend (Ages 10-26)
$300* bonus for members 18 years & older.
Designed for the next generation, helping members ages 10–26 build confidence and good financial habits.
No minimum opening deposit
- No minimum balance
- ATM fee forgiveness (up to $5/month)
- Overdraft/NSF4 fee forgiveness on first 3 occurrences (ages 18+, with financial counseling)
- 5Early Pay - Get your direct deposit up to 2 days early
- Round-Up- Once you opt in, every purchase you make with your Mainstreet Credit Union Visa® debit card is rounded up to the nearest dollar. The round-up cents are then deposited into a savings account of your choice. Learn more
- Converts to Cash Back Spend at age 27
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
What You Get:
Every Mainstreet Spend account gives you essential tools to manage your money easily and securely:
- OnlineAccess: Secure access to your accounts anytime
- Mobile App: View balances, transfer funds, receive alerts, and deposit checks
- Early Pay5: Mainstreet’s Early Pay lets you get your paycheck up to two days early
- Bill Pay: Schedule one-time or recurring payments at no cost
- eWallet: Pay with Apple Pay®, Google Pay™, or Samsung Pay®
- Round-Up: When you opt-in Automatically build your savings with every Visa® debit card purchase you make.
- Mainstreet Debit/ATM Card: Convenient access to your funds
- ATM Access & Shared Branching: More than 30, 000 free CO-OP ATMs and 5,000 branches nationwide
- eStatements: Paperless records free of charge
- Overdraft Protection from savings account: Overdraft Coverage Options Disclosure
- Overdraft Privilege: Overdraft Coverage Options Disclosure
Want to learn more about our checking accounts offered at Mainstreet Credit Union? Contact us or visit us in person at one of our branches located in Kansas City, Missouri or the following Kansas cities: Bonner Springs, Kansas City, Lawrence, Leavenworth, Lenexa, Mission, Olathe.
*Offer valid for checking accounts opened between April 1, 2026, and June 30, 2026. Limit one account per person. Valid for new Members and current Members without an established checking account. Requires a new checking relationship with the Credit Union (those with existing checking accounts or have had an open checking account with Mainstreet Credit Union in the past 90 days do not qualify). $300 Bonus - Checking Account Bonus Requirements: Membership eligibility required. The Member must open the checking account by June 30, 2026. The Member must have 25 debit card transactions within 90 days from account opening (Transactions exclude refunds/credits, and ATM transactions) and have two direct deposits through ACH or RTP including Payroll, Pension, or Government benefits posted with a cumulative total of $800 or more within 90 days of account opening. The membership account number tied to the checking account must be enrolled in e-Statements. The $300 will be deposited into the Membership savings account within 60 days of meeting the qualifications. Account must be active and in good standing with a positive balance at the time of bonus payout with no fraudulent activity. Business, Minor, Trust, Custodial, Representative Payee and Fresh Start Spend accounts are not eligible for this promotion. All bonus payments will be reported to the Internal Revenue Service as an extraordinary dividend in the year they are paid. Members can receive only one new checking account opening related bonus every three years. Offer is subject to change without notice. Officials and immediate family members of an official of Mainstreet Credit Union are not eligible.
Federally Insured by NCUA.