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How to open a Mainstreet Credit Union online banking account

With the online banking platform from Mainstreet Credit Union, you can access your accounts, products, and services 24/7 — all you need is a stable Internet connection. To get started with online banking, reach out to Mainstreet Credit Union by phone at 1-866-380-8008 or visit a branch near you. The specialists will provide you with Personal Access Code (PAC) — a password used to log in to your online banking account.


Here is what you can do with your Mainstreet online banking account:

  • Check your account balances and recent transactions

  • Pay bills and manage payees

  • Move funds between your accounts

  • Send and receive Interac e-Transfers

  • Switch to electronic bank statements

  • Set up payroll or pre-authorized payments 

  • Receive alerts and notifications about your accounts

How to sign in to a Mainstreet Credit Union online banking account

To log in to your online banking account, click the red “ONLINE BANKING” button in the top right corner of the Mainstreet Credit Union website page you are browsing. On the next screen, enter your Mainstreet debit card number and password or Personal Access Code (PAC).

For your convenience, you can choose to memorize your login information by checking the “Remember me on this device” box. If you do, the system will memorize your login, and you will have to enter your password only during your next sign-ins.

Mainstreet Personal Account


How to sign up for 2-step verification through the Mainstreet Credit Union online banking account?

To sign up for 2-step verification, you will need an email address or mobile phone number. When you sign in to your account for the first time, the system will prompt you to choose between setting up 2-step verification to your mobile phone or email. After making your choice, enter your contact information and click “Send code”. Once you receive the code, enter it into the designated field. If everything is correct, you will see a green check mark and the “Enrollment complete” message. After that, click “Continue” to return to your account.

In the future, you can set up both methods to have the option to choose where to send a security code when 2-step verification is needed. To do so, go to “Settings”, select “Profile and preferences,” and enter both methods of verification.

How do I restore the forgotten password?

If you have 2-step verification set up, you can use the self-service feature of restoring your password or Personal Access Code (PAC). Click the “Forgot Password?” link on the login page, enter your Card number and the last three digits of your SIN, and click “CONTINUE”. Then, you will need to verify your identity through the 2-factor verification. Enter the security code sent to you by email or phone and click “CONTINUE”. Next, proceed with a new Personal Access Code (PAC) creation. Enter your new PAC twice and click “CONTINUE”. After that, the system will redirect you to 

the confirmation page saying that your new PAC has been accepted.

How to delete a Mainstreet Credit Union online banking account?

If you want to delete your Mainstreet Credit Union online banking account, contact the credit union support team at 1-866-380-8008. The Mainstreet Credit Union website doesn’t provide any information on an online banking account deletion.

How to send an Interac e-Transfer via the Mainstreet Credit Union online banking account?

To send an Interac e-Transfer, you will need the recipient’s name and either an email or mobile phone number. 

Sign in to your Mainstreet Credit Union online banking account, go to “Transfers”, and click “Send INTERAC® e-Transfer”. Next, add a recipient by entering their name and email on the “Add/Delete Recipients” page. If you want to notify your recipient about the transfer sent via a text message, enter their mobile phone number. Then, set up a security question that only your recipient will know the answer to. 

After you've added the recipient, select them from the list and enter the transfer amount. You can also include a message to the recipient if you wish. Review the transfer details and click the Send Transfer button to complete the transfer.

How to set up alerts via the Mainstreet Credit Union online banking account?

To set up alerts in online banking, sign in to your account, click on the “Messages and alerts” tab, select "Manage contacts", and input either your email or mobile phone number. Then, click “Manage alerts”, select the alert type, and click “Get started” to set up each individual alert. Next, review and accept the alerts agreement. Finally, select the alerts you want to receive. Click “Alerts” on the Member Services page, select the “Alert type” — security, activity, balance, payment, or all, specify the way you want to receive it — by email or phone, and choose the accounts you would like the alerts on. Then, click “Submit” on each account alert setup page.

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