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Online and Mobile Banking - General FAQs

Yes. Beginning July 27, 2026, you can submit card disputes directly through Online Banking and the Mobile App without calling the credit union.

Yes. Members can report a card as lost or stolen directly through digital banking.

Yes. Travel notices can be submitted through Online Banking or the Mobile App before your trip. No phone call is required.

Important: A travel notice does not eliminate all fraud monitoring. If suspicious or unusual card activity is detected while you're traveling, you may receive a fraud alert text asking you to verify a transaction. These alerts help protect your account and ensure legitimate purchases can be processed as quickly as possible. Fraud alert text messages are sent 24/7 from 2WC using short code 96923. We recommend saving 96923 in your contacts so you can quickly recognize and respond to fraud alerts. If there is not a response to the text, follow-ups will be sent via email and then a phone call.

Yes. You'll be able to instantly turn your card off through Online Banking or the Mobile App. Once you locate the card, you can turn it back on yourself without calling the credit union.

Yes. You can customize alerts using:

  • Email

  • SMS/Text Messages

  • In-App Push Notifications

Choose the notification method that works best for you.

Yes. You can establish card controls including:

  • Merchant category restrictions

  • Transaction type controls

  • Spending limits

These controls provide an additional layer of account security and spending management.

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If you have questions regarding your ATM or debit card, please contact us or visit your nearest branch. You may also send a secure message through Digital Banking.

With our new mobile app, you can sign into multiple user-profiles and quickly switch between them using a PIN instead of entering a username and password. If you add more profiles to your mobile app, you will need to set up two-factor authentication (2FA) for each of them.

  • From the top of the menu bar press the person icon next to your profile name.

  • Select Add profile.

  • Sign in to the second profile.

  • If prompted, answer the security question. If not, continue to the next step.

  • If prompted, complete the profile information in the form, and then select Done.

  • Enter a PIN for the new profile.

  • Confirm the PIN for the new profile.

  • From the top of the menu bar press the switch icon next to your profile name.

  • Select the profile you wish to log into.

  • Enter the PIN or use the fingerprint authentication if prompted.

Mainstreet Credit Union is dedicated to supporting our members' financial journeys with trusted local services in Kansas City, MO and Kansas.

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