Explore FAQs

13001 W. 95th Street
Lenexa, KS 66215 

301079183

Visit our Become a Member page.

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.

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 Talk is published quarterly via email.

To ensure you receive future emails, please make sure we have your preferred email on file. Simply log in to OnlineAccess to update your email address.

Whitelisting is a quick task to ensure the sender of an email gets added to the recipient’s safe senders list.

Here are simple instructions on how to ensure that our email lands in your inbox every time:

• Gmail

• Yahoo

• AOL

• Apple

• Android

Gmail
Getting all future emails from a sender to appear in the “Primary” tab (instead of “Promotions”) is a quick, two-step process.

First of all, drag-and-drop the email message from beneath the tab it’s currently filed under, to the “Primary” tab:

Once done, an alert will appear with, “This conversation has been moved to Primary. Do this for all future messages from [email protected]?” Select “Yes”:

Yahoo
When opening an email message, a “+” symbol should display next to From: and the sender’s name. Select this and an “Add to contacts” pop-up should appear. Select “Save”:

AOL
In the preview pane for an opened email message in AOL Mail, select the sender’s From name under the email’s subject line and select “Add Contact” from the drop-down menu:

Apple Mail
By selecting the From, or Reply-to on an email message, you can choose to “Add to Contacts” or “Add to VIPs.”

Android
On Android devices, open the email message and touch the picture of the sender that displays before the message. Tap “Add to Contacts.”

You can update your phone number or email address in mobile banking.

1. Log In

2. Click on the User Profile icon and click Settings

3. Click Edit next to your phone or email

4. Verify your password

5. Edit your contact information

6. Click Save

Phone and email updates will happen immediately. All address updates will be reviewed by a member service representative and you may be contacted for additional information.

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.

There is no application fee for a pre-approval, however once a specific address is identified and before an appraisal is ordered, a $450 application deposit is collected. This application deposit is credited back at closing.

You can lock in an interest rate once we have the specific property address and are within 30-90 calendar days of a closing date. Locking commits Mainstreet to a specific interest rate for your loan. Rate locks are always done in writing with copies provided for the borrowers and Mainstreet. A roll-down fee to renegotiate your rate lock commitment is available.

This problem has been experienced by some users. If a white screen only appears after clicking the access link, please press the "F5" key on your keyboard, or click the "Refresh" button on your web browser.

Click here to schedule an appointment.

All appointments can be made online using your smartphone, computer or tablet. Once you have scheduled the appointment, a confirmation email will be sent to the email address you provided.

Double check the browser you are using. To access Appointment Concierge with ease, Mainstreet members should use the Google Chrome browser. You can download Google Chrome here.

If you are experiencing difficulties with Appointment Concierge, you can also contact our Member Assistance Center at 888-395-1010.

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.

All Mainstreet branches will be closed on the following days.

2026

• New Year's Day - January 1

• MLK Day - January 19

• President's Day - February 16

• Memorial Day - May 25

• Juneteenth - June 19

• Independence Day - July 4*

• Labor Day - September 7

• Columbus Day - October 12

• Veteran's Day - November 11

• Thanksgiving Day - November 26

• Christmas Day - December 25

*Holiday falls on a Saturday

**Holiday falls on a Sunday. Branches will be closed on the following Monday.

You will be contacted through the e-mail address listed in your ‘Profile’.

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.