Mobile & OnlineAccess
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
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.
Your 24-Hour Voice Response
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
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
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.
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
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.”
OnlineAccess to change your mobile settings
How do I log into my account?
OnlineAccess ID: main + member number
(The word "main" is NOT case sensitive)
OnlineAccess Password:* last 4 digits of the primary member’s social security number and birth year
*Upon logging in successfully, you must define a new password (6-12 characters).
If my spouse and I share a joint account can we each have our own 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.
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.
Where is the acceptance checkbox for the Online Agreement?
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
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.)
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?
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.
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?
Can I update/change or enter an email address online?
Yes. Click on the User Options tab.
Can I change my mailing address online?
Can I see my Debit Card holds?
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.
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
Other Bill Payer features:
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
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?
Payer Support: (877) 548.8589
Hours are 6:30 am - 1:00 am Central time, Monday-Friday.
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