Explore FAQs

We are upgrading our card services platform to provide improved fraud monitoring and new self-service tools through Online Banking and the Mobile App. Members will have more control over managing cards, reporting issues, and protecting accounts.

No. Most members will continue using their existing card unless otherwise notified by the credit union.

Yes. App version 3.34.1 or higher requires iOS 17.0 or newer on iPhone and iPad. App version 3.34.0 or higher requires Android 9 (API Level 28) or newer on Android phones and tablets. The app will not open on devices running older operating systems. Devices must have access to the internet.

Yes, you will use the same user ID and password that you use to log in to online banking.

Two-Factor authentication uses a unique one-time access code to verify identity and log on to mobile banking. If you are unable to receive text (SMS) messages, you can choose to receive your access code via a phone call.

1. On the verification code screen click Try another way located beneath the Verify button

2. Select Phone Call and click Next

3. You will receive an automated phone call that will provide your access code (Have a pen and paper ready)

4. Return to the verification code screen

5. Enter your access code and click Verify

6. If you are still having trouble, contact the credit union to ensure we have the correct phone number on file.

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.

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.

To transfer between your Mainstreet Credit Union accounts:

1. Log in

2. Tap the slide-out menu > Transfer > Make a Transfer

3. Select your To and From account and amount

4. Click more options to change the frequency and date if desired

5. Click Submit

Yes, all existing scheduled transfers in the previous mobile banking system have been moved to the new system.

1. Log in

2. Select the account you are needing to view

3. To view all account activity, view the Transactions tile in the mobile app

No alerts will need to be re-entered in the new system. To set up alerts in mobile banking:

1. Log in

2. Select the account you would like to set up an alert for

3. Click Alert preferences in the menu or Manage alerts in mobile

4. In the Balance alerts section, select Add alert.

5. Select Above or Below, and then input a dollar amount.

6. In the Alert/Notify by field, select Email, Text message, or In-app message.

7. Select Add Alert to save the alert

8. Repeat steps for Transaction alerts

Alerts can be deleted at any time in mobile banking.

1. Log in

2. Select the account you would like to edit an alert for

3. Click Alert preferences in the menu in mobile

4. Under Alerts

   1. Click Edit next the alert you would like to change

   2. Click the Trashcan icon or click Remove in mobile

Alerts can be edited at any time in mobile banking.

1. Log in

2. Select the account you would like to edit an alert for

3. Click Alert preferences in the menu or Manage alerts in mobile

4. Under Alerts

   1. Click Edit next the alert you would like to change

   2. Change your criteria for the alert

   3. Click Save

Account statements can be viewed from mobile banking. These are only available for accounts already enrolled in eStatements.

1. Log In

2. Click on the slide-out menu

3. Click on eStatements in the slide-out menu

4. Click on Monthly Statements

5. Click on the month you'd like to view

NOTE: Only the last 24 months of statements will show.

Yes, there are daily and monthly limitations to the number and dollar amounts that can be deposited through a mobile device. Contact Member Assistance at 913-599-1010 for specific details.

NOTE: Members can access to any of their Mainstreet Credit Union accounts, excluding Certificates and Christmas Clubs. All IRA contributions are same year ONLY.

Mobile deposit limits are based on the type of checking account you have. These limits include a daily dollar amount and number of items deposited daily. If you have specific questions, come in or call the credit union.

Mobile deposit is now available for all savings and checking accounts, but you must enroll first. Mobile deposit can only be done through the mobile app.

1. Log in

2. Select Deposit Check from the slide out menu in the mobile app

3. Click Enroll Account and go through the sign-up steps

4. Once your request has been processed and approved (typically approved the next business day), tap Deposit a Check

5. Enter the check amount

6. Tap Continue

7. Select the account to deposit to

8. Take a picture of the front of the check and tap continue

9. Take a picture of the back of the check and tap continue

10. Verify the information and tap Submit

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 change your username or password at any time in mobile banking.

To change username:

1. Log in

2. Select your username icon in the top right corner or menu in mobile banking

3. Select Settings and then select Security option on the left side menu

4. In the Username field select Edit

5. Enter your current password when prompted

6. Change your username and select Save

To change password:

1. Log in

2. Select your username icon in the top right corner or menu in mobile banking

3. Select Settings and then select Security option on the left side menu

4. In the Password field select Edit

5. Enter your existing password, and then enter a new password

6. Select Save

You can rename any account in mobile banking.

1. Log in

2. Select an account from the Accounts section

3. Select Settings from the options menu

4. Next to the account name, select Rename

5. Type the new name, and then select Save

Yes! At the bottom of the dashboard, click "Organize dashboard" to drag and drop, delete or add information.

Select the account you would like to add an alert to and then select "Alert preferences." You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.

After successfully signing in, you will see your "Dashboard." A list of your accounts will be presented at the top. To view all accounts on one screen, select "View All." Below your account listing, "Quick Actions" are presented (Transfer, Pay, Deposit, Message). Under the "Quick Actions" icon you will find Payments, Transfers, etc.

Yes. You can get locked out of the enrollment process if too many attempts are made with an incorrect verification code (more than six times in a single hour). You must wait an hour to try again following your first attempt. If you make more than 20 unsuccessful attempts in a 24-hour period, your login will be 'Suspended' and you will not be able to attempt again for 24 hours. If you have questions or need additional assistance, please contact our Member Assistance Center at (913) 599-1010 during our regular banking hours for assistance.

Codes sent by email are not available, but can be received using one of the following options:

• Text message

• Phone call

• Authy App (A third-party app that generates a one-time passcode. To register you will need an email address and phone number.)

You can reset your own two-factor authentication enrollment in both the app and online by going to your Profile page, then select Security within the Settings area.

You can use our mobile banking app, OnlineAccess through your PC, or PhoneAccess from a touch tone phone. You may also visit any branch or call our Member Assistance Center.

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

If there are non-sufficient funds, the debt will be returned to the Bill Payer provider via banking channels. The ACH return will prompt the system to block your account, preventing you from making more payments until the NSF is resolved. Any recurring future dated payments scheduled for release during the time the account is blocked will not be sent.

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

1. Log into your OnlineAccess

2. Select eStatements in the menu located on the left hand side of the screen.

3. Choose the option to sign up for eStatements

The following steps may help:

1. Try searching for the URL instead of the name.

2. Make sure you are entering the name correctly. (i.e. Wells Fargo not Wellsfargo)

3. Instead of searching for the generic term 'Master Card', search for the issuer listed on the back of the card.

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.

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.

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.

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.