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Checking

New Mainstreet Checking Account holders earn up to $150 by using more of the services that allow you to bank from anywhere.

Earning FREE money has never been so easy!

  • $100 just for opening a checking account with a monthly ACH deposit of $200 or more
  • $20 by completing 10 debit transactions within the first 90 days
  • $10 for signing up for e-statements (BONUS: You save trees!)
  • $10 for enrolling and using online/mobile banking
  • $10 for using online bill pay to pay one bill

Mainstreet checking also offers free mobile deposits from your smart phone, free interbank transfers to and from other financial institutions and Apple Pay – coming soon.

Already a Checking Account Holder?
No problem! Just use the services listed above during the promotional period and we will automatically enter you in a drawing to win an IPad. It’s that easy!

* Receive up to $150 when you open a new Mainstreet Credit Union checking account. A $100 deposit is required at opening. Existing checking accounts do not qualify for this offer, and members are limited to one new checking account per membership. Cash back up to $150 will be deposited into the member’s share savings account as an extraordinary dividend after 90 days. To receive the full cash back amount, the member must have a monthly ACH deposit of at least $200 posted to the account, enroll and use online/mobile banking, pay a bill through electronic bill pay, participate in e-statements, and complete 10 debit card transactions within the first 90 days of account opening. Debit transactions exclude credits/refunds and ATM transactions. Offer valid on new checking accounts opened through September 30, 2015. For the purpose of this promotion, a “month” is defined as 30 days and a “new checking account” is one that is opened under a membership number that has had no prior Mainstreet checking relationship. Student Checking accounts are not eligible for this promotion.

Young women making jokesMainstreet has a variety of checking accounts, all with unlimited check writing and no transaction fees. In addition, the Mainstreet Check Card, an ATM and debit card, is provided free with all accounts. Choose the one that best fits your lifestyle.

Free Plus Checking

Our Free Plus Checking Account really is free checking. There's no monthly service charge, no minimum balance, and you get extra features and benefits like these:

  • Free Bill Payer
  • Free ATM/Check Card
  • Free OnlineAccess
  • Free PhoneAccess
  • Overdraft Protection

Prime Checking

Mainstreet's Prime Checking earns monthly dividends based on your daily account balance when you maintain a balance of $500 or more. With a balance below $500 at any time during the month, it's just a $10.00 service fee. Prime Checking also gives you all the advantages of our Free Plus Account, along with monthly dividends.

Classic Club Checking

Classic Club Checking from Mainstreet gives you the rewards you deserve. It's a full-service checking account for members age 55 and better that earns dividends, requires no minimum balance, and provides a host of other services free or at reduced fees. Additional benefits include:

  • Free Bill Payer
  • Free Box of Checks (Mainstreet Exclusive) 
  • Note: Only ONE box per calendar year  
  • No monthly service charge
  • Unlimited check writing
  • Monthly dividends
  • Free PhoneAccess
  • Free ATM/Check Card
  • Free OnlineAccess
  • Free fax and copy services
  • Safe Deposit Box discount
  • Free Overdraft Protection
  • Free Traveler's Checks

Student Checking

Mainstreet's Student Checking Account was created for students up to age 21. It requires no minimum balance and offers these additional benefits:

  • Free Bill Payer
  • Free ATM/Check Card
  • Free OnlineAccess
  • Free PhoneAccess
  • Overdraft Protection