Build with Savings Accounts

You may pay practically anyone in the 50 United States and territories who can accept a check using Bill Payer - utilities, auto loans, even doctors and day-care centers. There are, however, organizations that will not accept payments via Bill Payer, such as the IRS and other taxing entities, and court directed and government-related organizations.

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.

1. Log in

2. Select Pay under your account in mobile

3. If it is your first-time using Payments, it will ask you to enroll, click Enroll

4. 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

5. Select an account to take funds from, and then input the Amount

6. If you would like to set the date for the payment, Select More options and select the desired date

7. Select Submit

This problem has been experienced by some users. If a white screen only appears after clicking the access link, please press the "F5" key on your keyboard, or click the "Refresh" button on your web browser.

You will need your Social Security Number and your mortgage loan number. At the log-in screen, click on the link for new users, enter your Social Security Number and mortgage loan number, and then create a user name and password.

The Insights PFM tool is specifically designed for consumer use and not for the level of data or transaction volumes typically associated with larger commercial accounts. The product’s budgets and categories are set up around personal/consumer-specific needs (personal care, kids, shopping, etc.), and the tool doesn’t offer categories that would be relevant for commercial use. Although Commercial customers can see the tab their Sub-Users cannot.

It is true, for certain accounts a delete option will not appear. If the delete option doesn't appear this means that the account was automatically added by your home institution. These accounts cannot be deleted; however, they can be excluded. Excluding an account hides that account, its transactions, and its balance from your view in the software apps. This essentially "deletes" the account with the option to re-include it in the future if it ever becomes necessary.

Some institutions choose to send all the accounts that you are associated with in the data feed when your accounts are initially linked. This is a great benefit to allow you to see everything in one spot, but it may be more than what you want. You may be associated with an account for your child, spouse, or business that you don’t want to show in your personal budgets.

The exclude account button will help you keep track of totals and view transactions, but the transactions aren’t calculated into any of your other views. This will help you to see exactly what you want to see!

Open “Insights” go to Net Worth section and click on ‘View Net Worth’ and add Asset, then enter the account details and click ‘Save It’.

If you are working on paying off a credit card, congratulations! We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff. This will allow you to see in Spending and Budgets how much you have spent towards paying down that debt.

It is recommended that you do not use your card for purchases while you are paying it off. Not only will it be easier to stick to your goal if you just don’t use the card, but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card.

If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance.

If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”

For an assortment of financial calculators, including loan/mortgage payoff, please visit our website to select Financial Calculators.

You may have added an external account that is no longer needed, or an account may automatically sync that you don’t want to factor into your financial picture. Either way, you’re in control and can remove it.

*Note: Deleting the account is different than deleting an institution connection. If you delete the account, only that account will disappear, and the connection will persist. If you delete the institution connection, however, it will delete all the accounts beneath that connection. The steps for deleting the connection are also included below.

Deleting an Account

1. Select ‘Accounts’ from the top navigation bar.

2. Select the account you want to delete from the page.

3. Click on the trash can icon at the bottom right-hand corner of the account detail box.

4. The ‘Delete This Account’ window will pop up.

5. Click on Delete.

6. Deleting an Institution

7. Click on Manage Institutions in the top right of the screen.

8. Find the Institution you wish to remove.

9. Click on the trash can icon on the right-hand side.

10. Select Delete Institution.

*Note: You will not have the option to delete your home institution.

If you have a registered Online Access User ID, there are several ways that you can add external accounts.

• Select Insights in the Menu and then click on “Link Account” within the menu.

• Second, select the Account options on the Dashboard and click “Link an Account”.

When transactions are imported, they are auto categorized based on previous categorizations of similar transactions as well as those of other authorized users. The process is an estimate based on trends and characteristics of the transaction. The authorized user also has the option to review and re-categorize where needed. When you change a transaction category, Insights PFM will remember your preference for next time.

Mint.com is a third-party software provider that allows customers to aggregate their financial information and is not a financial institution. It does not allow users to perform any online banking activities, such as pay bills or transfer money. Insights PFM is fully integrated with our online banking platform and offers easy-to-use tools to help you see your full financial picture, within a platform you know and trust.

Here are a few tips that might help:

• Answer as many questions as you put on file when you registered with your financial institution.

• The number of questions you need to answer may be less than the number of form fields displayed on the page.

• For some financial institutions, the questions and answers need to be in the exact same order as they are listed on your financial institution site.

• If you've forgotten the questions, you can try logging into the online banking at your institution's website or calling their online banking support, to retrieve them.

• Answers to these questions may be case-sensitive. i.e. 'Cat' will work, while 'cat' will not.

Insights is available free-of-charge to all our members.

Our new online banking tools bring all your accounts and financial information into one place and offers new budgeting and spending tools to help you stay on top of your finances.

With Insights PFM (Personal Financial Management), you can:

• See your transactions automatically categorized and graphically displayed in the account summary page.

• Change and/or exclude transaction categorizations from your spending analysis.

• Create and manage budgets based on your spending habits.

• See all your accounts in one place by linking accounts you hold at other financial institutions.

• Add assets and liabilities (e.g. car, home, or even money under the mattress) so you can see a more complete picture of your finances.

• Create account groups so that transaction history and spending analysis for related accounts can be viewed together.

• View your spending and budgets using Online Access and our Mobile app.

If you are unable to locate your institution, select the Help (?) icon located in the top menu. From there you can submit a request by clicking on the "Submit a Support Request" option at the bottom. Please submit the name you searched for, the complete institution name, their URL and any other additional details you can provide.

There are many types of online banking accounts, and not all are compatible with common aggregation methods. The Insights PFM provider utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage, but when an unsupported institution is encountered, a manual account can be created in the Accounts widget.

Due to factors outside our control, including approval of the financial institutions themselves, we cannot guarantee that your institution will be supported, but we will do our best. We add support for more banks and credit unions all the time.

Click here for a step-by-step tutorial on how to update your goals on Insights.

In the Goals Section Click Pay off Loans

• Choose the account you would like to pay off . (This includes both internal and external accounts).

• Choose a complete by date

• It will give you a goal summary at the bottom what amount you are paying off and how much you need to pay per month to meet your goal by the complete by date.

The Spending Wheel displays your spending across all categories for the time period selected. Use the date range selector to specify what date range you would like to view.

You can click on a category from the list, or in the wheel, to view your subcategory spending. Then click the center of the wheel or from the list to view the specific transactions in the selected subcategory.

*Note: Your transactions must be categorized for the Spending Wheel to show actual spending. If your spending in a given category looks wrong, review your transactions for inaccuracies.

When accounts are initially added to an external account, an initial request of 90 days of history will be made. After the initial account setup, Insights PFM will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.

When the consumer accesses the account each day the account will be updated with the recent transactions for the account. Currently there is no limit to archival history.

Review your transactions to make sure they are categorized correctly. A “missing category” is caused by a large income transaction that has been categorized inappropriately.

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.

Alerts can be edited at any time in mobile banking.

1. Log in

2. Select the account you would like to edit an alert for

3. Click Alert preferences in the menu or Manage alerts in mobile

4. Under Alerts

   1. Click Edit next the alert you would like to change

   2. Change your criteria for the alert

   3. 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.

1. Log in

2. Select Deposit Check from the slide out menu in the mobile app

3. Click Enroll Account and go through the sign-up steps

4. Once your request has been processed and approved (typically approved the next business day), tap Deposit a Check

5. Enter the check amount

6. Tap Continue

7. Select the account to deposit to

8. Take a picture of the front of the check and tap continue

9. Take a picture of the back of the check and tap continue

10. 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.

Yes, members can refinance for a lower rate, shorter term, or to get cash out for other needs. We can save members from paying many fees and associated closing costs as our costs are usually much lower than what other lenders charge. Call us at 913-599-1010 to learn more about how to refinance your existing mortgage.

No, we often pre-approve members by having them complete a mortgage loan application before they shop for a home. Once your application is approved, you can select a home that is within the range of the dollar amount of your pre-approval.

Absolutely not! That was a true statement when houses were $30,000 each, but it is no longer the case. The smaller your mortgage the truer it is, however, because a smaller balance results in fewer savings. Have your loan officer calculate the cost of the loan versus the savings and the period of time it will take you to recoup the expenses of the refinance. This should help you decide whether it's worthwhile or not, and it will only take the loan officer a few minutes to calculate.

The definition of junk fees will differ depending on who is asked the question, but in general refer to charges a lender assesses over and above real hard dollar costs. At Mainstreet, the only non third-party fees are a $995 origination fee charged on all loans, along with wire fees and overnight fees when applicable. Mainstreet does not "farm out" the processing, underwriting, or closing functions. Mainstreet also does not and has never "padded" fees. We pride ourselves in having very low and reasonable closing costs.

Retaining servicing means that Mainstreet will take care of your loan after closing. We receive and post your payments and pay taxes, homeowners insurance and mortgage insurance out of your escrow account (if you have an account set up for this purpose). We also perform annual escrow analysis, issue payoff requests (we don't charge any payoff statement fee or fax fee for this service) and perform collection activity if that becomes necessary. Retaining servicing is very important to us because it allows us to take care of our members after closing and do other nice things for you, such as paying dividends on your escrow account!

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.

Unlike the primary mortgage market between borrowers and lenders, the secondary mortgage market is where lenders and investors buy and sell existing mortgages. Selling mortgages allows Mainstreet to offer the products you want - long-term fixed-rate mortgage loans with low down payment options. By selling the loan in the secondary market, Mainstreet eliminates a significant amount of interest rate and/or portfolio risk.

On closing day the borrowers come to Mainstreet and sign the final settlement statement that itemizes all the final costs and credits associated with the mortgage loan, along with other loan disclosures. The lengths of time for closings vary but most usually are completed within 30 minutes. All disclosures will be explained and this is an additional opportunity to ask any questions and get clarification on anything that you don't fully understand. You will be signing a note promising to repay the loan and a mortgage or deed of trust (the security instrument). After signing, the mortgage and an instruction letter will be forwarded to the title company and recorded in the Register of Deeds office along with the Deed (if purchasing a home).

A basic pre-qualifying exercise will give you a feel for how much home you can afford. We can help you estimate how much you can afford based on your current income and monthly obligations. Call us at 913-599-1010, or visit a branch to learn more about getting pre-qualified and pre-approved. Visit Mainstreet's mortgage page before you shop. Being a pre-approved buyer gives you the ability to make a qualified offer to purchase a home. A buyer with guaranteed funds has more leverage in a negotiation battle than the buyer who is still waiting to hear back from their lender.

A credit score is a score that attempts to condense a borrower's credit history into a single number that will predict the likelihood that a person will pay their bills as agreed. Points are assigned for different pieces of information such as payment history, length of time of residency and employment, length of time credit has been established, use of credit and any negative information such as late payments, collections, bankruptcies, and charge-offs. The score will range from 350 to 850, the higher the better. For mortgage loans, a score of 680 or above indicates a good score.

You pay a predetermined interest rate for the duration of the mortgage. Mainstreet offers you a choice of 10, 15, 20 or 30-year terms. You will pay more interest over the term of the 30-year mortgage but your monthly payments are lower than the shorter-term fixed-rate loans that we offer. With the 10, 15 or 20-year mortgage, you have a higher monthly payment but you build up the equity in your home faster.

A home inspection is performed for and with the buyer. The structural, electrical, and plumbing systems and appliances are inspected for condition and remaining useful life. The appraisal is done for the lender to estimate the market value of the property by comparing it to at least three recently closed sales. Mainstreet does not require, but highly recommends a whole house inspection. You are making a very large investment and need to know what you are buying. You have every right to have your questions about the property answered by a professional home inspector.

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.

• You plan to own your own home for only a few years (3 to 6), and/or

• You want to lower initial monthly payments more than a traditional 30-year fixed-rate mortgage offers, and/or

• You need a lower initial monthly payment to qualify for a larger loan &/or buy more home, and/or

• You are a first-time home buyer and need the lowest payment to start out in your new home.

Yes. Members can report a card as lost or stolen directly through digital banking.

Yes. You can customize alerts using:

• Email

• SMS/Text Messages

• In-App Push Notifications

Choose the notification method that works best for you.

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.

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.