Text Size

Mobile & OnlineAccess

Mobile Deposit

Now there is no need to carry that check around or try to make time to drive to your nearest branch. Mainstreet’s Mobile Deposit lets you deposit checks from anywhere, so you can have your money faster.

Using the Mainstreet Mobile App, members can deposit a check after clicking the Deposit icon at the app’s home menu. Take a photo of the front and back of the check using your phone’s camera, enter the check amount, and select account to deposit the check into.

Mobile Deposit FAQ's

Mobile App

MCU Mobile smart phone and tablet App

MCU Mobile is great for on the go banking. Bank securely wherever you are with your iPhone, iPad, or Android app.

• Download the MCU Mobile app from Google Play (Android) or the Apple store, by searching for “Mainstreet Credit Union.”

• Visit OnlineAccess to change your mobile settings

• Start using MCU Mobile for account balances, transfers, deposits, bill paying and more.


Managing your Mainstreet accounts is easy and secure with OnlineAccess. Log on anywhere, any time, and for any reason.

You can view up-to-the-minute account information, make loan payments, transfer funds* and view or print your account statements.

You can also export account information to your personal financial management software.

Call (913) 599-1010 to sign up for OnlineAccess or stop your nearest branch.

Check out our FAQs.

*Federal Regulation D allows up to six (6) withdrawals, transfers for overdrafts (NSF’s), pre-authorized automatic or telephone transfers per month. These transfers include automatic clearing house (ACH) transactions from one of your share accounts to another account at the credit union, or to a third party.

MobileAccess Agreement


Your 24-Hour Voice Response System
Toll-Free 888.316.2400

Access your Mainstreet accounts 24/7 from any phone with PhoneAccess. Check account balances, transfer funds, make loan payments and more.

PhoneAccess is extremely convenient and easy to navigate. It is based on the “two-digit suffix” system that identifies your savings, checking and loans at Mainstreet. The transaction codes for PhoneAccess are shown below.

Important Points to Remember When Using PhoneAccess

  • First time callers will be asked to select an Access Code, followed by pre-menu selections.
  • We recommend first time users navigate the system in Menu Mode to become familiar with the steps.
  • Returning callers may use Expert Mode, allowing you to enter the codes below.
  • All accounts are designated with two-digit suffixes to identify them. PhoneAccess will refer to them as Share IDs (savings), Checking IDs and Loan IDs. Should you have more than one savings, checking or loan, you will need to know their specific IDs to distinguish them within the PhoneAccess system. Please note: IRAs and Certificates are considered shares, while accounts with check-writing privileges are considered checking.


Initial Menu of Options
1 Main Menu of Services
2 Current Loan Rates
3 Mortgage Rates
4 Share Savings Account Rates
5 Share and IRA Certificate Rates
6 Credit Union Locations and
Hours of Operation

10 Share Balance
12 Share to Loan Transfer
13 Share to Checking Transfer
14 Share to Share Transfer
16 Share History
17 Deposit History
19 All Share List

20 Loan Balance
21 Loan to Share Transfer
22 Interest Paid
23 Loan to Checking Transfer
25 Loan Payoff Amount
26 Loan History
27 Loan Payment History
28 Loan Payment Inquiry
29 All Loan List
40 Mortgage Loan Inquiry

30 Checking Balance
31 Checking to Share Transfer
32 Checking to Loan Transfer
36 Check History
37 Check Number Range
38 Check Number Inquiry

12 Share to Loan Transfer
13 Share to Checking Transfer
14 Share to Share Transfer
21 Loan to Share Transfer
23 Loan to Checking Transfer
31 Checking to Share Transfer
32 Checking to Loan Transfer

General Inquiries
50 Information on Your
Credit Card
51 Make a Credit Card Payment
60 Last Deposit
61 Last Payroll Deposit
62 Point Of Sale History
63 Debit Card History
64 ATM History
65 ACH History
66 Payroll History
81 Dividend Paid
82 IRA Contributions

Account Preferences
1 Help
9 Change to Menu Mode
91 New Access Code
93 Change Language
96 New Account Number
99 Goodbye


Call Mainstreet at 913.599.1010 or 888.395.1010 to sign-up.

Printer-friendly list of PhoneAccess Transaction Codes.



Sign up for eStatements for faster access. You will receive an email at the beginning of each month when your previous month’s statement is ready for you to view. Your account will allow you to access to up to 18 months of statements.

This free service is part of Mainstreet’s OnlineAccess home banking. Ask a representative to sign up for your eStatements today.

Mobile Access


Apps not an option? Visit mobile.mainstreetcu.org on your mobile device for easy, secure and 24/7 banking.

MobileAccess Web can be accessed from any smart phone after you have completed the signup process from the number you entered in mobile web settings.

Please note: AT&T customers will have three options to choose from. If you do not know which to choose, please contact AT&T for more information.

Text Mobile Access

Text MobileAccess provides access to your account via the mobile number use in the settings. This service allows ONLY ONE PHONE NUMBER PER ACCOUNT.

Text Commands

Bal = All Acct Bal

Bal Acct Name = Single Acct Bal

Hist = All Accts recent Activity

Hist = Acct Name = Single Acct Activity

Help = Commands

Stop = Cancel

Coming soon

The easy, secure, and private way to pay

Soon you will be able to use your Mainstreet Federal Credit Union credit and check/debit cards with Apple Pay.

Use Apple Pay with iPhone 6 to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID.

With Apple Pay, instead of using your actual credit and check/debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

In addition, paying with Apple Pay is private as the cashier never sees your name, card numbers or security code.

We’ll share more information about how to get started using Apple Pay with Mainstreet Federal Credit Union


FAQ (Frequently Asked Questions) and other useful information



How do I log into my account?

OnlineAccess ID: main + member number

Example: main1234567
(The word "main" is NOT case sensitive)

OnlineAccess Password:* last 4 digits of the primary member’s social security number and birth year

Example: 12341953

*Upon logging in successfully, you must define a new password (6-12 characters).

Note: If your account is set up as an Organizational, Charitable, Business or D/B/A Account , it may not have a birth date. For the purposes of logging in, the birth year component for the OnlineAccess password is 0000.

If my spouse and I share a joint account can we each have our own OnlineAccess ID?

No. Your membership account is limited to one unique OnlineAccess ID.

Can I change my username? Yes.

Log into OnlineAccess, go to the User Options tab and click on Personal. The username is 6-12 alpha/numeric characters. The first character must be alpha, but all other characters may be any combination of letters &/or numbers. Special characters are not allowed in the username. The username is NOT case sensitive.

What if I forgot my password?

We recommend that all users set up the Forgotten Password feature as part of their initial set up. This will allow you to reset you own password if you forget it; otherwise, you will need to contact the credit union.

How do I set up the forgotten password feature?

    • Log in to OnlineAccess
    • Click on the User Options tab
    • Click on Personal
    • Enter an email address or confirm the one that is filled in
    • Enter Password Reset Question (this is NOT case sensitive)
    • Enter Password Reset Answer (this IS case sensitive)

How do I retrieve my password if I forget it?

    • Click on the “Forgot Your Password” link on the OnlineAccess login page
    • Enter username, email address, and email subject
    • You will receive an email with a link that you will click on (link is valid for 2 hours)
    • You will enter your username and answer your forgotten password question
    • Go back to www.mainstreetcu.org and log in with your new password

The system keeps logging me off?

To avoid getting logged off after 10 minutes you must stay active on the page.

A 60-second countdown warning will remind you that your session is about to expire, and you can extend your session by clicking the button.

Where is the acceptance checkbox for the Online Agreement?

The acceptance checkbox can be out of view, depending on your PC’s display resolution or the size of your browser window. There are 2 scroll bars: one for the text box with the agreement, and one for the entire browser page. Scroll down with the scroll bar for the entire browser page.

What types of Internet browsers work for OnlineAccess?

We support the current and prior major releases of Internet Explorer, Firefox, Safari, and Chrome. when new version is released, support will cease on the third-oldest major version.

Please note that utilizing older browsers may result in disabled functionality or limited access to services.

Supported Browsers - Current and Prior Major Release
Microsoft Internet Explorer - IE
Safari - Apple/ Mac Users only
Google Chrome

If using a phone or tablet to access online banking outside of a mobile banking app, functionality and appearance may vary from a browser on a PC or laptop.

NOTE: Internet Explorer versions older than version 6.0 are not valid for access into OnlineAccess. Microsoft no longer supports these versions and security updates are not available. Users attempting to access OnlineAccess with a version of IE older than 6.0 will be denied access.

What if I am not using one of the supported browsers?

You may experience issues with OnlineAccess or be denied access to the system. If this occurs, please download one of the browsers listed above and attempt the action again.

The following types of browsers and tools are not recommended or supported for use with OnlineAccess:

  • Embedded Browsers contained within Personal or Commercial Financial Management Software (Quicken, Quickbooks, Money, etc.)
  • Browser Add-Ins and Toolbars (IE 7 Pro, Google, Yahoo, etc.)

What is a watermark?

A watermark/personal icon is required for additional security. It will appear on every page in OnlineAccess and Bill Payer once you have logged in.

Can I upload my own image for the watermark? No.

Can I change my watermark?

Yes. Click on the User Options tab and select personal.

What if my watermark is incorrect when I try to log in?

A watermark is required for additional security. It will appear on every page once you have logged in. If you do not see your watermark, you return to home and log in again.

If you continue to see an incorrect watermark, do not enter your password. A missing watermark may indicate an imposter site and continuing could compromise your password.

Why do I need challenge questions?

Current regulations require us to include challenge questions as part of our OnlineAccess home banking security measures. You must establish 3 security question-and-answer sets. Answers are NOT case sensitive.

What are alerts?

OnlineAccess Alerts may be set to notify you via e-mail, text, at login or by any combination of these methods. Alerts can be set for items such as balances, transfers, withdrawals and more. A full list is located under User Options.

Why can't I see my mortgage history?

Payment history on 1st mortgages is available through the My Mortgage link at www.mainstreetcu.org, not through OnlineAccess.

Updating Email Address and Mailing Address

Can I update/change or enter an email address online?

Yes. Click on the User Options tab.

Can I change my mailing address online?

Yes. Click on the Additional Services tab.

Can I see my Debit Card holds?

Yes. Click on the Additional Services.

How can I see more transaction history?

The default setting for history is 15 days. On your accounts page, in the right-hand corner you will find the following options: Since Last Statement, 7 days, 15 days, 30 days, All, or Search.

Please note: Mainstreet Credit Union retains varying periods of transactions for different account types.

Is there a limit to the number of transfers I can make?

Yes. From “savings” type accounts Regulation D restricts the number of electronic transfers to 6 per month. When you reach this limit you will get a message that says: Regulation D – W/D from savings limited to 6 per month.

Checking accounts are not affected by Regulation D.There is no monthly limit on the number of transfers that can be made withdrawing money from a checking account.

How do I access Bill Payer?

Bill Payer is an optional feature of OnlineAccess that lets you make payments to utility companies, department stores, and other companies through your computer. Click on the Bill Payer tab within OnlineAccess.

Other Bill Payer features:

• Rush payments:

1 day - $14.95 fee - check payment

2 day - $9.95 fee - check payment

2 day - $4.95 fee (payee must be set up to receive payments electronically)

• Other payment options:

Pay a person - $1.99 fee

Make a charitable donation - $1.99 fee

Send a gift check - $2.99 fee

How can I get help with Bill Payer?

• "LIVE" Chat Option

• Secure messaging

• Bill Payer Support: (877) 548.8589

Hours are 6:30 am - 1:00 am Central time, Monday-Friday.