Posted by William Charles on June 17, 2017
Bank Account Bonuses

Published on June 17th, 2017 | by William Charles


[Expired] [KS, MO] Mainstreet Credit Union $150 Checking Bonus

This bonus has expired, but there is a new bonus of $150 for 2018.

Offer at a glance

  • Maximum bonus amount: $150
  • Availability: Must live or work in the greater Kansas City Metro area (following counties in Kansas & Missouri: Bates, Caldwell, Cass, Clay, Clinton, Douglas, Franklin, Jackson, Johnson, Lafayette, Leavenworth, Linn, Miami, Platte, Ray, Wyandotte)
  • Direct deposit required: Yes, $200+
  • Additional requirements: See below
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: Can fund up to $505 with a credit card
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date: August 31, 2017

The Offer

Direct link to offer

  • Mainstreet Credit Union is offering a bonus of up to $150 when you open a new checking account. The bonus is broken down as follows:
    • $100-Open account with a recurring monthly electronic deposit $200 or more
    • $20 – Complete 10 debit transactions within the first 90 days
    • $10 – Enroll and use online/mobile banking
    • $10 – Make a mobile deposit
    • $10 – Sign up for e-statements

The Fine Print

  • Receive up to $150 when you open a new Mainstreet Credit Union checking account.
  • A minimum deposit may be required at opening.
  • Existing checking accounts do not qualify for this offer, and members are limited to one new checking account per membership.
  • Cash back up to $150 will be deposited into the member’s share savings account as an extraordinary dividend after 90 days from account opening.
  • To receive the full cash back amount, the member must have a monthly deposit of at least $200 posted to the account, enroll and use Online/mobile banking, deposit a check using their mobile device, participate in e-statements, and complete 10 debit card transactions within the first 90 days of account opening.
  • Debit transactions exclude credits/refunds.
  • Offer valid on new checking accounts opened through August 31, 2017.
  • For the purpose of this promotion, a “month” is defined as 30 days and a “new checking account” is one that is opened under a membership number that has had no prior Mainstreet checking relationship.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

They offer a free checking plus account that has no monthly fee attached to it. I found no mention of an early account termination fee in the fee schedule.

Our Verdict

Not worth considering due to the hard pull they do to open an account. It’s a bit annoying that there is a lot of small requirements and a direct deposit but none of them are that hard to meet. We won’t be adding it to our best bonus page due to the hard pull.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

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Just applied online, currently at “APPROVED PENDING”. I had to send picture of ID that I used to sign up, which was very easily done through their application site. Maximum CC funding of $505, I used FU. Doesn’t show as pending on Chase yet, probably need to wait until account gets fully approved.

How many direct deposits do you think is needed? $200/month for the full 3 months or just 1 month of $200. Oh well, easy either way. Thanks for the heads up.

Ryan V.
Ryan V.

Any word of a hard pull?


How would I know either way? I’m relatively new to the game and don’t care too much about my credit score (800+).


Did you sign up for overdraft protection. Sometimes To avoid a hard pull you can click no to overdraft and it will only be soft.


Declined all overdraft protection.


Chase FU – cash advance
Citi DC – purchase

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