Create space to budget and save for your goals with no minimum opening deposit.
A rewarding experience
Discover Cash Back Spend Checking Account
It's easy to earn 2% cash back on debit card purchases, just by doing a few simple things!
Earn cash back every time you use your debit card.
No minimum opening deposit
No minimum balance
Overdraft protection is here for you!
Life gets busy, and sometimes you overdraft because you lose track of your checking account balance. Don't worry. Mainstreet Credit Union has you covered. You can choose from two types of overdraft coverage for your account.
Every debit card transaction becomes a cash-back reward!
You'll earn 2% cash back on the first $250 in debit card purchases each month. It's easy to qualify. This is all you have to do:
Make 25 debit card transactions monthly (ATM excluded)
Set up monthly direct deposit or make at least two Automatic Clearing House (ACH) deposits totaling $500 each month
Cash Back Spend Checking includes all these features and services, too.
Debit Card: Make purchases and get convenient ATM access at our branches in the Kansas City, MO/KS area and at more than 30,000 free CO-OP ATMs nationwide. You also can use your card for shared branching access at 5,000 branches.
Digital Banking: View balances, transfer money, receive alerts, deposit checks, and more through Online Banking and our mobile app.
Early Pay1: Mainstreet’s Early Pay lets you get your paycheck up to two days early when you enroll in direct deposit.
Bill Pay: Schedule one-time or recurring payments at no cost and keep your monthly bills organized without the paper clutter.
eWallet: Pay with Apple Pay®, Google Pay™, or Samsung Pay® when you add your Mainstreet cards to your mobile wallet.
Round-Up: When you opt-in, you can automatically build your Mainstreet savings with every Visa® debit card purchase.
eStatements: Sign up to receive your monthly account statements as a digital version. It's quicker and more secure than paper statements sent through the mail.
Mainstreet Credit Union offers personal checking accounts to simplify your money management. Contact us or visit one of our branches in Kansas City, MO or Kansas to open an account.
Put more cash in your pocket.
Quick checking account tip
Take advantage of rewards or interest. Some checking accounts offer cash back or interest—choose one that suits your needs.
Helpful Details
Online - members can view their statements through OnlineAccess.
By mail - members who have opted in for printed statements receive monthly or quarterly statements, based on the type of account they have. Mailed statements are subject to a fee. Please refer to the Fee Schedule for current fees.
Yes, any Mainstreet checking account may be used for payments.
All Bill Payer transactions are reflected as an ACH debit on the account statement.
You may register for Bill Payer online. The online method is invoked the first time you attempt to access Bill Payer. First, you will be requested to read and accept Mainstreet Credit Union's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you complete an online registration form. After submission, the registration form is electronically forwarded to Mainstreet Credit Union for review. Mainstreet Credit Union is responsible for checking the information submitted and for assigning the payment plan. For more information call 913-599-1010.
If you try to enter Bill Payer during the application-processing period, you will be shown a page requesting that you wait for the acceptance notification.
Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account.
The following payment limits apply and cannot be raised:
Individual payee: $1,000 per transaction; $2,000 daily total
Business payee: $5,000 per transaction; $9,999.99 daily total
On the process date, the Bill Payer processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days.
You can use mobile banking to pay a bill or pay a person.
Log in
Select Pay under your account in mobile
If it is your first-time using Payments, it will ask you to enroll, click Enroll
Select Pay a person > Person to pay (To add a new person, select Add another person and fill out the necessary information) or Select the person to pay in mobile
Select an account to take funds from, and then input the Amount
If you would like to set the date for the payment, Select More options and select the desired date
Select Submit
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.
Alerts can be edited at any time in mobile banking.
Log in
Select the account you would like to edit an alert for
Click Alert preferences in the menu or Manage alerts in mobile
Under Alerts
Click Edit next the alert you would like to change
Change your criteria for the alert
Click Save
Mobile deposit limits are based on the type of checking account you have. These limits include a daily dollar amount and number of items deposited daily. If you have specific questions, come in or call the credit union.
Mobile deposit is now available for all savings and checking accounts, but you must enroll first. Mobile deposit can only be done through the mobile app.
Log in
Select Deposit Check from the slide out menu in the mobile app
Click Enroll Account and go through the sign-up steps
Once your request has been processed and approved (typically approved the next business day), tap Deposit a Check
Enter the check amount
Tap Continue
Select the account to deposit to
Take a picture of the front of the check and tap continue
Take a picture of the back of the check and tap continue
Verify the information and tap Submit
You should retain the check for 30 calendar days after the deposit has posted to your account. After that time, you may shred it.
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
Members age 10-17, who would like an ATM or Debit Card with their checking account, are required to have a parent or guardian as joint owner.
All the tools you need to feel confident.
Resources built around your needs.
Make the switch. Make progress.
At Mainstreet, membership helps you move forward—your way.
Take advantage of exclusive member offers
View our current specials.
Read real experiences from fellow members
View member success stories.
Fuel the growth of your community
View our community impact.
Quick Budget Tip
Try the 50/30/20 split. Spend 50% on needs, 30% on wants, and 20% on savings.
All rates, terms, and conditions are subject to change without prior notice. Membership savings required upon approval.
1Early Pay = Early access to direct deposit funds depends on when we receive the payment file from your payer. Funds are generally available on the day we receive the file, up to 2 days before the scheduled payment date.
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