Make everyday spending simpler.
Are you already a Mainstreet Credit Union member?
Yes, open an additional account (Opens in a new Window)(Opens in a new Window No, become a member (Opens in a new Window)(Opens in a new Window)
What You Get:
Every Mainstreet Spend account gives you essential tools to manage your money easily and securely:
- Digital Banking
OnlineAccess: Secure access to your accounts anytime
Mobile App: View balances, transfer funds, receive alerts, and deposit checks - Early Pay5: Mainstreet’s Early Pay lets you get your paycheck up to two days early
- Bill Pay: Schedule one-time or recurring payments at no cost
- Free Automatic Transfer
- eWallet: Pay with Apple Pay®, Google Pay™, or Samsung Pay®
- Round-Up: When you opt-in, automatically build your Mainstreet savings with every Visa® debit card purchase you make.
- Mainstreet Debit/ATM Card: Convenient access to your funds
- ATM Access & Shared Branching:
More than 30,000 free CO-OP ATMs and 5,000 branches nationwide - eStatements: Paperless records free of charge
- Overdraft Protection from savings account:
Overdraft Coverage Options Disclosure
(See Fee Schedule) - Overdraft Privilege: Overdraft Coverage Options Disclosure
Cash Back Spend
Make your money go further. Earn rewards by using your debit card for everyday purchases
- Open an Account
No minimum opening deposit
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No minimum balance
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Earn 2% cash back on the first $250 in debit card purchases each month
- Early Pay5 - Get your direct deposit up to 2 days early
- Round-Up - round-up cents are deposited into a Mainstreet savings account of your choice.
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TO QUALIFY FOR CASH BACK:
Make 25 debit card transactions monthly (ATM excluded)
Monthly direct deposit or at least two ACH1 deposits totaling $500
- Open an Account
- All rates, terms, and conditions are subject to change without prior notice. Membership savings required upon approval.
High Yield Spend
Grow your balance while keeping your cash accessible with premium returns for everyday account use.
- Open an Account
No minimum opening deposit
-
$1,000 minimum balance
to avoid a $10 monthly fee -
Earn a competitive APY2 starting at 3.00% APY2 (tiered rates apply)
- Early Pay5 - Get your direct deposit up to 2 days early
- Round-Up- round-up cents are deposited into a Mainstreet savings account of your choice.
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TO QUALIFY FOR DIVIDENDS3:
-
Make 25 debit card transactions monthly (ATM excluded)
Monthly direct deposit or at least two ACH1 deposits totaling $500
-
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership savings required upon approval.
Classic Spend
Enjoy added benefits designed for members age 55 and up.
- Open an Account
- No minimum opening deposit
No minimum balance
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One free box of checks each year (standard shipping; restrictions apply)
- Free Cashier's checks and money orders
- Early Pay5 - Get your direct deposit up to 2 days early
- Round-Up- round-up cents are deposited into a Mainstreet savings account of your choice.
- Earns monthly dividends
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership savings required upon approval.
Student Spend (Ages 10-26)
Designed for the next generation, helping members ages 10–26 build confidence and good financial habits.
No minimum opening deposit
- No minimum balance
- ATM fee forgiveness (up to $5/month)
- Overdraft/NSF4 fee forgiveness on first 3 occurrences (ages 18+, with financial counseling)
- Early Pay5 - Get your direct deposit up to 2 days early
- Round-Up- Once you opt in, every purchase you make with your Mainstreet Credit Union Visa® debit card is rounded up to the nearest dollar. The round-up cents are then deposited into a Mainstreet savings account of your choice.
- Converts to Cash Back Spend at age 27
- View current rates
- All rates, terms, and conditions are subject to change without prior notice. Membership savings required upon approval.
New Tools to Help you Save and Budget
Early Pay5 lets you get your paycheck up to two days early.
Early access to paychecks depends on when Mainstreet CU receives the payment file from your employer, which can be up to two days before the scheduled date.
No special enrollment is required for the standard 2-day early deposit; it happens automatically once direct deposit is set up.
- 5Early Pay = Early access to direct deposit funds depends on when we receive the payment file from your payer. Funds are generally available on the day we receive the file, up to 2 days before the scheduled payment date.
Round-Up lets you build your savings with every purchase.
Once you opt in, every purchase you make with your Mainstreet Credit Union Visa® debit card is rounded up to the nearest dollar.
The round-up cents are deposited into a Mainstreet savings account of your choice.
All rates, terms, and conditions are subject to change without prior notice. Membership required upon approval.
- 1ACH = Automated Clearing House.
- 2APY = Annual Percentage Yield.
- 3If qualifications are not met: 0.00% APY.
- 4NSF = Non-sufficient funds.
- 5Early Pay = Early access to direct deposit funds depends on when we receive the payment file from your payer. Funds are generally available on the day we receive the file, up to 2 days before the scheduled payment date.
Learn more about our current account interest rates, overdraft coverage, and fee schedule.
Open an Account
Already a Mainstreet CU member?
Yes, open an additional account (Opens in a new Window)(Opens in a new Window)
No, become a member(Opens in a new Window)(Opens in a new Window)
Ready to open a checking account with Mainstreet Credit Union? Contact us, or visit us in person at one of our branches located in North Kansas City, Missouri or the following Kansas cities: Bonner Springs, Kansas City, Lawrence, Leavenworth, Lenexa, Mission, Olathe.