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Chances are, you’re not the first to have your question! Here, we’ve gathered the most common questions from our members along with helpful answers, so you can find the information you need quickly and easily. If you need more support, just click "Chat With Us" below.
- General FAQs
- Membership
- ATM/Debit Card
- Youth Account Requirements
- Account Statements Delivery
- Online and Mobile Banking Access
- Digital Wallets
- Security & Fraud Protection
- Digital Communication
- Online and Mobile Banking - General FAQs
- Mobile App - Transfers/Transactions
- Mobile App - Alerts
- Mobile App - eStatements
- Mobile App - Remote Deposits
- Mobile App - Updating Information
- Mobile App - My Dashboard
- Mobile App - Two-Factor Authentication (2FA)
- Loans and Loan Payments
- Mortgage
- First Mortgage OnlineAccess
- Scheduling Appointment
- Spoofing / Fraud Information
- Federal Holidays
- Bill Pay
- Bill Payer - Mobile Banking
- Sign up for e Statements
- Federally Insured
- Passkey
- Fee Schedule
- Insights
- Insights - Spending Wheel
- Pennies
- One Big Beautiful Bill Act: No Tax on Car Interest
No. If your card is already enrolled in a digital wallet, it should continue to function normally unless otherwise communicated by the credit union.
Yes. Members can report a card as lost or stolen directly through digital banking.
Yes. You can customize alerts using:
Email
SMS/Text Messages
In-App Push Notifications
Choose the notification method that works best for you.
The Insights PFM tool is specifically designed for consumer use and not for the level of data or transaction volumes typically associated with larger commercial accounts. The product’s budgets and categories are set up around personal/consumer-specific needs (personal care, kids, shopping, etc.), and the tool doesn’t offer categories that would be relevant for commercial use. Although Commercial customers can see the tab their Sub-Users cannot.
It is true, for certain accounts a delete option will not appear. If the delete option doesn't appear this means that the account was automatically added by your home institution. These accounts cannot be deleted; however, they can be excluded. Excluding an account hides that account, its transactions, and its balance from your view in the software apps. This essentially "deletes" the account with the option to re-include it in the future if it ever becomes necessary.
Some institutions choose to send all the accounts that you are associated with in the data feed when your accounts are initially linked. This is a great benefit to allow you to see everything in one spot, but it may be more than what you want. You may be associated with an account for your child, spouse, or business that you don’t want to show in your personal budgets.
The exclude account button will help you keep track of totals and view transactions, but the transactions aren’t calculated into any of your other views. This will help you to see exactly what you want to see!
Open “Insights” go to Net Worth section and click on ‘View Net Worth’ and add Asset, then enter the account details and click ‘Save It’.
You may have added an external account that is no longer needed, or an account may automatically sync that you don’t want to factor into your financial picture. Either way, you’re in control and can remove it.
*Note: Deleting the account is different than deleting an institution connection. If you delete the account, only that account will disappear, and the connection will persist. If you delete the institution connection, however, it will delete all the accounts beneath that connection. The steps for deleting the connection are also included below.
Deleting an Account
Select ‘Accounts’ from the top navigation bar.
Select the account you want to delete from the page.
Click on the trash can icon at the bottom right-hand corner of the account detail box.
The ‘Delete This Account’ window will pop up.
Click on Delete.
Deleting an Institution
Click on Manage Institutions in the top right of the screen.
Find the Institution you wish to remove.
Click on the trash can icon on the right-hand side.
Select Delete Institution.
*Note: You will not have the option to delete your home institution.
If you have a registered Online Access User ID, there are several ways that you can add external accounts.
Select Insights in the Menu and then click on “Link Account” within the menu.
Second, select the Account options on the Dashboard and click “Link an Account”.
When transactions are imported, they are auto categorized based on previous categorizations of similar transactions as well as those of other authorized users. The process is an estimate based on trends and characteristics of the transaction. The authorized user also has the option to review and re-categorize where needed. When you change a transaction category, Insights PFM will remember your preference for next time.
Mint.com is a third-party software provider that allows customers to aggregate their financial information and is not a financial institution. It does not allow users to perform any online banking activities, such as pay bills or transfer money. Insights PFM is fully integrated with our online banking platform and offers easy-to-use tools to help you see your full financial picture, within a platform you know and trust.
Here are a few tips that might help:
Answer as many questions as you put on file when you registered with your financial institution.
The number of questions you need to answer may be less than the number of form fields displayed on the page.
For some financial institutions, the questions and answers need to be in the exact same order as they are listed on your financial institution site.
If you've forgotten the questions, you can try logging into the online banking at your institution's website or calling their online banking support, to retrieve them.
Answers to these questions may be case-sensitive. i.e. 'Cat' will work, while 'cat' will not.
Insights is available free-of-charge to all our members.
Our new online banking tools bring all your accounts and financial information into one place and offers new budgeting and spending tools to help you stay on top of your finances.
With Insights PFM (Personal Financial Management), you can:
See your transactions automatically categorized and graphically displayed in the account summary page.
Change and/or exclude transaction categorizations from your spending analysis.
Create and manage budgets based on your spending habits.
See all your accounts in one place by linking accounts you hold at other financial institutions.
Add assets and liabilities (e.g. car, home, or even money under the mattress) so you can see a more complete picture of your finances.
Create account groups so that transaction history and spending analysis for related accounts can be viewed together.
View your spending and budgets using Online Access and our Mobile app.
If you are unable to locate your institution, select the Help (?) icon located in the top menu. From there you can submit a request by clicking on the "Submit a Support Request" option at the bottom. Please submit the name you searched for, the complete institution name, their URL and any other additional details you can provide.
There are many types of online banking accounts, and not all are compatible with common aggregation methods. The Insights PFM provider utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage, but when an unsupported institution is encountered, a manual account can be created in the Accounts widget.
Due to factors outside our control, including approval of the financial institutions themselves, we cannot guarantee that your institution will be supported, but we will do our best. We add support for more banks and credit unions all the time.
Click here for a step-by-step tutorial on how to update your goals on Insights.
The Spending Wheel displays your spending across all categories for the time period selected. Use the date range selector to specify what date range you would like to view.
You can click on a category from the list, or in the wheel, to view your subcategory spending. Then click the center of the wheel or from the list to view the specific transactions in the selected subcategory.
*Note: Your transactions must be categorized for the Spending Wheel to show actual spending. If your spending in a given category looks wrong, review your transactions for inaccuracies.
When accounts are initially added to an external account, an initial request of 90 days of history will be made. After the initial account setup, Insights PFM will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.
When the consumer accesses the account each day the account will be updated with the recent transactions for the account. Currently there is no limit to archival history.
Review your transactions to make sure they are categorized correctly. A “missing category” is caused by a large income transaction that has been categorized inappropriately.
Mainstreet Credit Union is dedicated to supporting our members' financial journeys with trusted local services in Kansas City, MO and Kansas.