Make everyday spending simpler.
Our Spend accounts offer flexible options, modern tools, and smart features to
support your financial journey.
Are you already a Mainstreet Credit Union member?
Yes, open an additional account (Opens in a new Window)(Opens in a new Window) No, become a member (Opens in a new Window)(Opens in a new Window)
Cash Back Spend
Make your money go further. Earn rewards by using your debit card for everyday purchases
No minimum opening deposit
-
No minimum balance
-
Earn 2% cash back on the first $250 in debit card purchases each month
-
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.
No minimum opening deposit
-
$1,000 minimum balance
to avoid a $10 monthly fee -
Earn a competitive APY2 (tiered rates apply)
-
TO QUALIFY FOR DIVIDENDS3:
Make 25 debit card purchases each month
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.
- 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
- 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)
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)
- 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: |
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| OnlineAccess | Secure access to your accounts anytime |
| Mobile App | View balances, transfer funds, receive alerts, and deposit checks |
| Bill Pay | Schedule one-time or recurring payments at no cost |
| eWallet | Pay with Apple Pay®, Google Pay™, or Samsung Pay® |
| 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 Privilege | |
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All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
- ACH = Automated Clearing House.
- APY = Annual Percentage Yield.
- If qualifications are not met: 0.00% APY.
- NSF = Non-sufficient funds.
Open an Account
Already a Mainstreet CU member?
Yes, open an additional account (Opens in a new Window)(Opens in a new Window) No, become a member(Opens in a new Window)(Opens in a new Window)
Ready to open a checking account with Mainstreet Credit Union? Contact us, or visit us in person at one of our branches located in North Kansas City, Missouri or the following Kansas cities: Bonner Springs, Kansas City, Lawrence, Leavenworth, Lenexa, Mission, Olathe, Shawnee Mission.