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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.

Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account.

The following payment limits apply and cannot be raised:

• Individual payee: $1,000 per transaction; $2,000 daily total

• Business payee: $5,000 per transaction; $9,999.99 daily total

On the process date, the Bill Payer processor generates an ACH debit (in the amount of the bill payment) to your checking account. Your checking account will be debited within two banking business days.

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

Fee Schedule

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!

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.

Keeping your financial information safe and secure is very important to us. Our online services offer you the best security currently available in a commercial environment so that your personal and financial information is protected.

Insights is available free-of-charge to all our members.

In the Goals Section Click Pay off Loans

• Choose the account you would like to pay off . (This includes both internal and external accounts).

• Choose a complete by date

• It will give you a goal summary at the bottom what amount you are paying off and how much you need to pay per month to meet your goal by the complete by date.

Budgets can help you track and control your spending in select budget categories. You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely. Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.

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.

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.

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.

Visit our Become a Member page.

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

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 should retain the check for 30 calendar days after the deposit has posted to your account. After that time, you may shred it.

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.

During your application appointment you will receive and review with your loan officer your Estimate of cash to close or Loan Estimate along with several other disclosures. We will then submit the loan to FannieMae's Desktop Underwriter for initial credit and underwriting approval. Processing follows when we may obtain additional verification of income or assets, order the appraisal and title work. The loan is underwritten and cleared to close. A closing appointment is scheduled and you are contacted to set up a convenient time to close at our office.

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.

No, we often pre-approve members by having them complete a mortgage loan application before they shop for a home. Once your application is approved, you can select a home that is within the range of the dollar amount of your pre-approval.

The definition of junk fees will differ depending on who is asked the question, but in general refer to charges a lender assesses over and above real hard dollar costs. At Mainstreet, the only non third-party fees are a $995 origination fee charged on all loans, along with wire fees and overnight fees when applicable. Mainstreet does not "farm out" the processing, underwriting, or closing functions. Mainstreet also does not and has never "padded" fees. We pride ourselves in having very low and reasonable closing costs.

Rates change daily and are available by 10:00 A.M. Monday through Friday. You may also call Mainstreet at 913-599-1010 (toll free 888-395-1010). Our Call Center can provide rates, but if you have further questions you can ask for a member of the mortgage department.

Retaining servicing means that Mainstreet will take care of your loan after closing. We receive and post your payments and pay taxes, homeowners insurance and mortgage insurance out of your escrow account (if you have an account set up for this purpose). We also perform annual escrow analysis, issue payoff requests (we don't charge any payoff statement fee or fax fee for this service) and perform collection activity if that becomes necessary. Retaining servicing is very important to us because it allows us to take care of our members after closing and do other nice things for you, such as paying dividends on your escrow account!

Unlike the primary mortgage market between borrowers and lenders, the secondary mortgage market is where lenders and investors buy and sell existing mortgages. Selling mortgages allows Mainstreet to offer the products you want - long-term fixed-rate mortgage loans with low down payment options. By selling the loan in the secondary market, Mainstreet eliminates a significant amount of interest rate and/or portfolio risk.

Update on OBBBA’s “No Tax on Car Loan Interest” Provision
We'd like to inform you about a significant update from the One, Big, Beautiful Bill Act, featuring the “No Tax on Car Loan Interest” provision. This law allows for potential interest deductions on eligible auto loans.

Key Points:

• Verify if your vehicle qualifies under the One, Big, Beautiful Bill Act.

• We will send an informational document in January 2026 to borrowers who may qualify.

More details can be found on the IRS website.

Please note, Mainstreet Credit Union cannot verify vehicle eligibility; consult your tax professional for this assessment. The law does not alter your loan rate, payment amount, or terms but outlines potential tax benefits.

For questions or assistance, please call 913-599-1010. Thank you for your continued trust and membership!

Yes. Members can report a card as lost or stolen directly through digital banking.

Download the new mobile banking app from the App Store or Google Play.

Remove the old app: Be sure to delete the MCU Mobile app icon.

As a security measure, access to your account is locked after a limited number of unsuccessful login attempts. Further attempts to login will fail, displaying the above message.

To reset your password and unlock your account, contact the Member Assistance Center.

913-599-1010
(888) 395-1010 toll-free

8 AM – 6 PM, CDT Monday thru Friday
9 AM – 1 PM, CDT Saturdays

Since our members can sign into multiple profiles with one device, each profile has its own username and login rules.

For example, if a member has a Business and a Personal profile. They may want their Passkey registered on their profile but not their Business 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.

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.

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

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

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.

Members age 10-17, who would like an ATM or Debit Card with their checking account, are required to have a parent or guardian as joint owner.