Explore FAQs

Yes. Existing recurring payments and merchant relationships should continue to process normally using your current card information.

To reach the OnlineAccess login page:

• Visit the OnlineAccess portal

• Sign in using the green box in the upper left-hand section of our homepage

If you have not enrolled in OnlineAccess, select Enroll on the OnlineAccess login page to get started.

If you cannot remember your Personal Access Code, contact the Member Assistance Center at 913-599-1010.

You can add notes, tags, and images to any transaction inside of mobile banking. To begin:

1. Log in

2. Click on any account

3. Click on Transactions

4. Select the Transaction you wish to edit and pull up the transaction’s details page

5. Click on the appropriate icon for one of the following:

6. Add Tags

7. Add Notes

8. Add Images

9. Follow the on-screen prompts to update the transactions

10. Tap < Transactions in mobile

Any tags, notes, and images attached to transactions will be accessible on all devices when you log in to mobile banking in the future.

NOTE: Transactions are available Mastercards or Mortgages through the “MyMastercard” or “MyMortgage”.

You can place a stop payment on a lost or stolen check that has not yet been presented for payment by phone or at any branch.

• By phone: Contact the Member Assistance Center

• Branch: Stop by any branch location

Stop payments placed through the Member Service Center or at a branch are assessed a fee of $25 per request or $35 for a series of checks.

You will need to provide your 13-digit account number which differs from your member number. A 13-digit number is needed for all automatic clearing house (ACH) transactions. You can find this at the bottom of your checks. From left to right you will see our routing number, a separator symbol, then your 13-digit account number.

Automatic Loan Payments allow regular payments on a Mainstreet loan to be transferred from your checking or savings account. To set up automatic payments, call the Member Assistance Center or stop by any branch location.

OnlineAccess users may sign up for Mainstreet's Bill Payer service. Bill Payer provides flexible options for paying Credit Union loans and other businesses or individuals. Learn more.

Yes, members can refinance for a lower rate, shorter term, or to get cash out for other needs. We can save members from paying many fees and associated closing costs as our costs are usually much lower than what other lenders charge. Call us at 913-599-1010 to learn more about how to refinance your existing mortgage.

• Conventional - There is a 3 percent down payment requirement.

• Zero Down - No down payment required for first-time home buyers. A 1% minimum borrower contribution is required, which can be part of closing costs or required cash reserves.

Mortgages with less than a 20 percent down payment require Private Mortgage Insurance to protect the lender against default. When considering the size of your down payment, consider that you'll also need money for closing costs, moving expenses and possibly repairs, decorating or appliances. Call us at 913-599-1010 to learn more about down payment requirements.

Absolutely not! That was a true statement when houses were $30,000 each, but it is no longer the case. The smaller your mortgage the truer it is, however, because a smaller balance results in fewer savings. Have your loan officer calculate the cost of the loan versus the savings and the period of time it will take you to recoup the expenses of the refinance. This should help you decide whether it's worthwhile or not, and it will only take the loan officer a few minutes to calculate.

Appointments can be made as quickly as 1 hour in advance and looking up to 2 weeks out in the calendar. Some appointments are available by phone or in-person, while others are phone-only appointments.

Services available

CARD SERVICES

• Get assistance with ATM, Debit or Credit Cards

NEW ACCOUNTS

• Open a new membership

• Open a savings, checking, IRA, Youth or Business account

LOANS & MORTGAGES

• Purchase or finance vehicles, Harleys, ATVs or motor homes

• Meet with a representative to borrow money for nearly any purpose

• Apply for a Mastercard^® credit card and borrow money as you need it

• Discuss options to borrow against your home’s equity

• Discuss your business lending needs with a representative

OTHER FINANCIAL NEEDS

• Schedule a call or in-person appointment to update your account information

• Get help accessing your online account, mobile app or other online features

• Make an appointment to get your business or personal documents notarized

• Transfer money to an individual or entity

• Place a stop payment on a single check, ACH or a series of checks

• Schedule time to access your safe deposit box

Spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity. Scammers often use neighbor spoofing so it appears that an incoming call is coming from a local number or spoof a number from a company or a government agency that you may already know and trust. If you answer, they use scam scripts to try to steal your money or valuable personal information, which can be used in fraudulent activity.

https://youtu.be/PS3llQfRLD8   (Opens in a new window)

Reminder:
Mainstreet Credit Union will NOT contact you requesting you to share account information. Fraudsters can spoof real numbers (including your credit union’s phone number), and falsely claim that there has been potential fraudulent activity on your account, in an attempt to scare you into providing your account information.

If you are contacted by someone asking you to provide passwords or any information that appears on your debit, ATM, or credit card (such as card number, CVV number, expiration date, etc.), DO NOT share anything with them. HANG UP IMMEDIATELY. Remember these fraudsters can mask phone numbers and make it appear as though they are calling from a valid number, even a Mainstreet Credit Union number. If you are unsure whether the representative calling you is from Mainstreet Credit Union, hang up and contact us at 913-599-1010 or toll-free 888-395-1010 or stop by a branch so we can review your account activity with you.

Yes, any Mainstreet checking account may be used for payments.

All Bill Payer transactions are reflected as an ACH debit on the account statement.

You may register for Bill Payer online. The online method is invoked the first time you attempt to access Bill Payer. First, you will be requested to read and accept Mainstreet Credit Union's authorization disclosure. Failure to accept the disclosure terms prevents the registration process from proceeding. After the disclosure is agreed to, you complete an online registration form. After submission, the registration form is electronically forwarded to Mainstreet Credit Union for review. Mainstreet Credit Union is responsible for checking the information submitted and for assigning the payment plan. For more information call 913-599-1010.

If you try to enter Bill Payer during the application-processing period, you will be shown a page requesting that you wait for the acceptance notification.

You can use mobile banking to pay a bill or pay a person.

1. Log in

2. Select Pay under your account in mobile

3. If it is your first-time using Payments, it will ask you to enroll, click Enroll

4. Select the merchant or person you would like to pay

5. Select an account to take funds from, and then input the Amount

6. If you would like to set the date for the payment, Select More options and select the desired date

7. Select Submit

You can use mobile banking to pay a bill or pay a person.

1. Log in

2. Select Pay under your account in mobile

3. If it is your first-time using Payments, it will ask you to enroll, click Enroll

4. Select Pay a person > Person to pay (To add a new person, select Add another person and fill out the necessary information) or Select the person to pay in mobile

5. Select an account to take funds from, and then input the Amount

6. If you would like to set the date for the payment, Select More options and select the desired date

7. Select Submit

If you are working on paying off a credit card, congratulations! We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff. This will allow you to see in Spending and Budgets how much you have spent towards paying down that debt.

It is recommended that you do not use your card for purchases while you are paying it off. Not only will it be easier to stick to your goal if you just don’t use the card, but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card.

If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance.

If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see “How do I account for interest paid on a loan?”

For an assortment of financial calculators, including loan/mortgage payoff, please visit our website to select Financial Calculators.

Times are changing. As the economy evolves, the U.S. Department of the Treasury has announced it will stop producing the penny.

• We are no longer able to order pennies from the Federal Reserve, which limits our ability to fill change orders that include them.

• Rolls of pennies are no longer available at our branches.

• Cash in your pennies sooner rather than later. While no official date has been set, there may come a time when Mainstreet will no longer accept pennies for deposit.

• Expect rounding – we will round down to the nearest five cents.

• Use digital payments – card and mobile transactions will continue to process to the exact cent and are not affected by rounding.

• When closing an account, if your final balance includes 1–4 cents, the amount will be rounded down. You may request a cashier’s check for the exact amount or choose to donate the remaining cents to Children’s Miracle Network.