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Save early, earn more

Discover Youth Savings Account

Now's the perfect time to help your children learn good money management skills, It all starts with this convenient savings account your kids can use every day.

Set a savings goal and keep it in focus.
For kids up to 9 years old
Keep any balance you'd like
Earn tokens for prizes
It's easy to add Certificates, too.

Boost your savings at a competitive rate with Early Savers Certificates, available to members up to 19 years of age.

  • Open with as little as $250

  • Terms of 6 or 12 months

Kids' savings accounts for newborns to 9-year-olds in the Kansas City, MO/KS area.

It's never too early to help your children learn how to take care of their money. And Mainstreet Credit Union's Youth Savings Account makes this more fun and rewarding. It's as simple as this – the more money you deposit, the more money you save, and the more tokens you get for special prizes. And the savings momentum doesn't stop at 9. This account automatically converts to a Student Savings Account on your child's 10th birthday.

Youth or Student accounts for minors require a parent or legal guardian (18+ years old).

Tokens are awarded like this:
Examples of prizes:
Deposit of $5.00 - $49.99 = 1 token 1 token - 5 Assorted Stickers
Deposit of $50.00 - $74.99 = 2 tokens 2 tokens - Bubbles
Deposit of $75.00 - $99.99 = 3 tokens 3 tokens - Fidget Toy
Deposit of $100.00 or greater = 4 tokens 6 tokens - Deck of Colorable Playing Cards
8 tokens - $5 Andy's Frozen Custard® Gift Card
20 tokens - $10 Target® Gift Card
30 tokens - $25 Visa® Gift Cards

Whether you're giving your a child financial head start or building your teen's financial literacy skills, Mainstreet Credit Union's savings accounts have your back. Contact us or visit a Kansas City, MO or Kansas branch to get started.

We make it simple to open a Youth Savings Account.

Everyone is so nice. Banking both online and in person is easy, quick and dependable.

Stacie T

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.

  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


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.

  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.

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.

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Quick Budget Tip

Try the 50/30/20 split. Spend 50% on needs, 30% on wants, and 20% on savings.