2-step verification (2SV) is being added for all Mainstreet online banking and app users starting October 20, 2021, to add an additional layer of security to your banking experience.

After 2SV is set-up on your account, if we detect unusual activity during login, you will be sent a one-time verification code to either your email address or mobile phone you registered during your 2SV set-up. This will replace the previous security questions used during banking login.

Ensure you set-up 2SV on your account before November 23, 2021 to ensure uninterrupted access to your online banking experience.

2SV set-up- what do I need to do?

*You will need an e-mail address or mobile phone to set-up 2-step verification (landlines will not work). Please make sure you have your e-mail and/or mobile phone close by when completing the set-up.

Step 1 - login to the app or online banking desktop with your MemberCard/debit card number and online banking password.

*Note- If you previously had your login information memorized on your device, you will be required to re-enter your Membercard/debit card number on or after October 20. After entering your account info, click “remember me” if you’d like to continue using memorized account feature for future logins. Going forward, the option to memorize an account on a device will be managed solely through the login page and not within your account settings.

screenshot from the Mainstreet to enter in Personal Access Code

Step 2: On your first time logging in after October 20, 2021, you will be presented with the following screen asking you to decide between setting up 2-step verification to your mobile phone or e-mail (landline phone number will not work). Enter your contact information in the space below based on your preference and hit “send code”.

Note: If you would like to potentially use both methods in the future visit “settings” and “profile and preferences” in online banking. By entering both methods, in the future you will be able to choose where you’d like the code sent when 2-step verification is required.

You will now be sent a verification code (immediately or may take up to 15 minutes to arrive) to your e-mail or mobile phone by text depending on your selection. This code once sent is valid for 10 minutes so you can complete step 3. If you selected email, please watch your junk mail folder.

screenshot from Mainstreet to enable 2-step verification

Step 3: Enter the verification code that you received to your email or mobile device (via text).

screenshot from Mainstreet to enter verification code

If you have not received the verification code, you can choose to select 'Change the number' to verify your information – or 'We can send a new verification code' to try again.

Step 4: Once you have entered the correct verification code, you should see a green check mark and ‘Enrollment complete.’ Click “Continue” again and you’ll be brought to your online accounts.

screenshot from Mainstreet showing entering a verification code

Is there an option to set-up my device as a “trusted device” so I don’t have to receive a 2-SV code?

No, not at this time. Any login assessed as high risk will require the 2SV process.

What is needed to set-up 2SV on my account?

A mobile phone (not landline) and/or email is required to set-up 2-step verification

Can I change the email or mobile phone for my account after registration?

Once set-up, you can update your 2-step verification information in the “Profile and Preferences” section in online banking, or “Settings” on Mobile App.

Only 1 e-mail and 1 mobile phone number can be set-up

Will I need to enter a verification code each time I login to online banking?

Currently 2-step verification will only be used when the system detects unusual activity (like logging in from a different computer/device than usual, different location, etc.) You will not have to enter a code each time you want to do your banking online. 2-step verification replaces the pre-existing security challenge questions.

You have 10 minutes to use the verification code that will be sent by e-mail or by text to your cellphone depending on what you set-up or selected.

After you set-up 2-step verification if you are asked to input a code in the future, you will be locked out of banking if you input an incorrect verification code 3 times. If this happens, please contact us for assistance.

Note: After set-up you will need to reset your touch ID and quick view on the mobile app and the “Remember Option” in online banking.

If you are banking using our app

Ensure you upgrade/are using the latest version of the app before setting up your 2-step verification. If you haven’t upgraded your app as of October 20, your app may crash and prevent you from logging in.

Steps to upgrade your app:

  • Open the app or play store on your device
  • Navigate to the Mainstreet Credit Union app in the list & select update.

*If you don't see our app on the list, that means you have the most recent update already installed (many phones have automatic updates enabled!)

If you are locked out of online banking

screenshot of Mainstreet application with warning 'Unsuccessful - PAC entries exceeded'

"Unsuccessful – PAC retries exceeded" indicates you’ve entered your online/mobile app banking password incorrectly. Follow the “reset password” link on the online banking login page. Learn more here

If you require assistance, please visit our contact us page.

screenshot of Mainstreet application with warning 'Sorry, your account has been locked out. For assistance, please contact your institution.'

“Sorry, your account has been locked out. For assistance, please contract your institution.” Indicates you’ve entered your verification code incorrectly. For assistance, please visit our contact us page.

Experience cooperative banking that is
Invested in you.

CHAT NOW