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Other Services

Direct Deposit

Direct Deposit automatically deposits your paycheck or government check (e.g., Social Security) directly into your account. Instead of making a trip to Mainstreet to deposit your check, you will receive a pay stub from your employer verifying the deposit. You also have immediate access to your money. Even if you are on vacation or away from work, you'll have peace of mind knowing that your check is deposited into your account on time. Check with us to see if your employer provides Direct Deposit through Mainstreet.

Night Depository

Mainstreet's Night Depository is available 24 hours a day at all our full-service locations. Deposit envelopes are provided at each location. The Night Depository is a safe, secure way for you to make deposits or loan payments when the Credit Union is closed. Just write down any special instructions you may have and include them with your funds in the envelope; a Mainstreet teller will open the depository and process your transaction the morning of the next business day.

Cashier's Checks

Cashier's Checks, as opposed to personal checks, are readily accepted by nearly all persons or places. Should you need funds from your share account, checking account or other deposit account, you can obtain funds via a Credit Union Cashier's Check. Its very name tells the recipient that the funds represented by this check are as good as cash. Since a lost Cashier's Check is the same as lost cash, it is not replaceable, and a stop payment cannot be placed on the check.

Feb. 23, 2012 - Please be advised counterfeit Cashier’s Checks bearing Mainstreet Credit Union’s name, address, website, and logo are in circulation. 

The counterfeit items display a valid routing number of 30107913.  The counterfeit items are of poor quality, with a pale blue background, and white scroll work on the left edge of the check that appears to have been hand drawn. Our phone number has been omitted on the counterfeit checks. The check numbers appear as 10 digits leading with 00002 but may vary. The authorized signature appears to have been photo copied.  The counterfeit check does not include any of the security features found on our authentic checks and the back of the counterfeit check is stamped with the words “CHECK PROTECT” in bright yellow, in a diagonal cross pattern. The payees have reported receiving the counterfeit checks from various connections made via social network websites.

For additional information or verification please contact:

Dawn Smith
Vice President-Risk Management
Mainstreet Credit Union
13001 W. 95th Street Lenexa, KS 66215 
Phone: 913-599-1010 
Fax: 913-599-4816

E-mail: dsmith@mainstreetcu.org

Money Orders

For those times when you can't use a personal check, Money Orders are an easy way to make payments. You can purchase Mainstreet Money Orders for a minimal fee for any amount up to $750.

American Express® Travelers Cheques & Gift Cheques

Mainstreet offers single and dual signature American Express® Travelers Cheques. Use them for your added security while traveling. If lost or stolen they are refundable usually within 24 hours. American Express® Travelers Cheques provide you the peace of mind that behind every Cheque is someone who can help in a travel emergency, 24/7. All Travelers Cheque purchases must be made in the Credit Union lobbies only*. Minimal purchase fees may apply.

Let the people you care about get exactly what they want, wherever they want. Unlike store gift cards or certificates, American Express® Gift Cheques are good in over a million places. From sushi to sporting goods to suede jackets, they're good in the U.S. wherever American Express Cheques are accepted. With prepaid amounts ranging from $25 - $500, give them to friends or family for holidays, birthdays, graduations, weddings, or just to say "thank you." Minimal purchase fees may apply.

*Travelers Cheques and Gift Cheques are only available at Lenexa, Mission, and Olathe East branches.

Notary Public Service

A Kansas Notary Public is a person appointed by the Kansas Secretary of State to acknowledge and witness the signing of documents, administer oaths, and affirmations, take verifications and certify copies. The purpose of a Notary Public is to prevent fraud and forgery. The Notary acts as an official, unbiased witness to the identity of the person who signs the document. All notary acts require that the person signing the document appear before the Notary Public.

This service is provided free for members of Mainstreet. Requests must be made in person with valid photo identification.

Signature Guarantee Service

A Signature Guarantee is designed to protect against fraudulent transactions by unauthorized persons. It is guarantee of the authenticity of a person's signature. A Signature Guarantee may be obtained from any eligible guarantor institution as defined by the Securities and Exchange Commission. These institutions include: banks, savings associations, credit unions, and brokerage firms. Mainstreet is a guarantor in the Securities Transfer Agents Medallion Program (STAMP), the Financial Industry's Signature Guarantee Program. STAMP assures that our guaranties will be accepted by transfer agents. A Signature Guarantee may also be referred to as a Medallion Imprint.

This service is provided free for members of Mainstreet. To obtain a Signature Guarantee, please call 913-599-1010 to schedule an appointment, at the branch that is most convenient for you.

Wire Transfers

Need to move money fast? A Wire Transfer is a quick, reliable, and secure way to send money across the country or around the world. Wire Transfer requests should be made in person. We will need the following information to complete your request:

  • Name, address, home and work phone numbers for person sending the wire
  • Sending Account Number and dollar amount of wire
  • Name of Receiving Financial Institution, street address, area code and phone number, ABA Routing Number (9 digits for domestic wires)
  • Name, address and account number for account/person receiving the wire
  • Name, address and account number for further credit instructions (if applicable)

Mainstreet's Wire Transfer cut-off time is 3:00pm CST for requests $5,000.00 and more. Cut-off time is 5:00pm CST for wires under $5,000.00. All wire requests received after the cut-off time will be held until the next business day.

The cut-off time for foreign wires is 2:00 pm CST. Also, foreign wires may take in excess of one week to reach its final destination.

Incoming Wire Transfer

To have money wired to a Mainstreet member account, the following information is what you will need to provide to the wire agent:

Mainstreet Credit Union
13001 W. 95th Street
Lenexa, Kansas 66215

Routing and Transit (ABA) #301079183

Final Credit to: Member Name
Phone Account
Mainstreet Account Number

Mainstreet Credit Union does not have a Swift Code, IBAN or other international routing code, nor do we have a correspondent bank. You are able to wire funds to your Mainstreet Credit Union Account without this information. Your international financial institution will have a corresponding bank in the U.S. they can wire to, which will forward the funds to Mainstreet using our ABA routing number: 3010-7918-3.

Wire Transfer Fees

Incoming - Free
Outgoing Domestic - $25.00
Outgoing Foreign - $55.00

Safe Deposit Boxes

Why take the chance of losing your valuables to fire or theft? Jewelry, insurance policies and documents like birth certificates or passports are well protected in a Mainstreet Safe Deposit Box. Safe Deposit Boxes come in three sizes and are located in the Lenexa and Olathe-East branches. Members enjoy the security of dual key access and a private room to examine box contents.  Proper identification is always required for entrance into a box and you keep all the keys. Safe Deposit Boxes are in high demand, so space must be reserved. 

Aproximate Box Sizes Standard Annual Rent Discounted Annual Rent*
3"dx10"wx21"L $50 $35
5"dx10"wx21"L $60 $50
10"dx10"wx21"L $95 $80

*Discount pricing is available with a qualifying Mainstreet checking account.

U.S. Savings Bonds

Sales of U.S. Savings Bonds are no longer available at financial institutions as of January 1, 2012. Electronic savings bonds can be purchased online through TreasuryDirect.

Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to redeem savings bonds at Mainstreet Credit Union.

Use the site's calculator to estimate the value of your bonds.

Automatic Transfers

Mainstreet's in-house transfer program enables you to have funds transferred between Mainstreet accounts on a recurring basis. You can set up these pre-arranged transfers to make loan payments, deposits to your other Mainstreet accounts, even inter-member funds transfers. The date and frequency of the transfers are at your discretion.

Please stop by anyone of our branch offices and ask a Member Services Representative about this option. Your signature on one simple form is all it takes.

Overdraft Protection

This feature benefits members in the event a check is presented against an insufficient balance. Funds to cover the check will automatically transfer from available funds in the member's Primary Share Account. A nominal charge for Overdraft Protection may apply for members with a Free Plus Checking Account.

Members may arrange to have future transfers made from another account, either instead of or in addition to the Primary Share Account.

Overdraft Privilege

Overdraft Privilege helps save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them. Overdraft Privilege is not a line of credit. However, should you inadvertently overdraw your account we normally will cover your overdrafts up to your approved limit after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy. When your items are paid, the amount of Discretionary Overdraft Privilege will not be shown in your available balance and therefore will not be available for Debit Card purchases, ATM transactions or checks cashed at our teller windows. The Discretionary Overdraft Privilege is available for check inclearings and ACH transactions.

Should an overdraft occur, your account will be charged the standard NSF fee of $27.50 for handling each item even if paid by the Discretionary Overdraft Privilege.

Click here to review the Discretionary Overdraft Privilege Policy.