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Security & Fraud Protection

Transactions at out-of-network ATMs may result in fees. To find a surcharge-free CO-OP ATM near your location, text your current ZIP code to 91989 ("MYCOOP") Alternatively, you can use the CO-OP ATM Locator online at https://co-opcreditunions.org/locator/.

In some cases, the card involved in a dispute may need to be closed. If that happens, just contact us and we'll get you a new one, either an instant-issue card at a branch or a replacement mailed to you.

Review the transaction in online banking or mobile app. If you believe the transaction is fraudulent, submit a dispute directly through online banking or mobile app to turn your card off immediately.

You may also contact the Dispute Center at: 855-651-7474

Monday–Friday, 8:00 a.m.–7:00 p.m. CT

Beginning July 28, 2026, you can report your card as lost or stolen directly through online banking or the mobile app.

You may also call:

• Inside U.S.: 888-297-3416

• Outside U.S.: 206-389-5200

Reporting your card immediately helps prevent unauthorized use.

If our dispute department determines a fraudulent charge is valid, any overdraft fee caused by that charge will be refunded. Overdraft fees caused by other transactions while funds were unavailable are not refunded.

Yes. Beginning July 27, 2026, fraud alerts can be delivered via SMS/text message so you can quickly verify suspicious activity.

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.

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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