FAQs

Here are a few questions our MainStreet banking customers have frequently asked. We thought you may find them useful. If there’s a question that has not been answered, please don’t hesitate to contact us.

Kasasa Checking

Q: What do I need to open a Kasasa Cash or Kasasa Cash Back checking account?

Q: How do I set up electronic statements?

Q: How do I order checks?

Q: How do I deposit money into my Kasasa Checking account?

Q: How do I withdraw money from my Kasasa Checking account?

Q: How do I set up direct deposit?

Q: Are there fees I should know about before signing up for a Kasasa Checking account?

Savings

Q: What do I need to open a Kasasa Saver account?

Q: What do I need to open a Junior Airsavings account online?

Q: How can I withdrawal money from my Kasasa Saver account?

Q: Does Kasasa Saver come with a Visa® debit card?

Q: How many times can I withdrawal from my savings account?

Q: Do I have to maintain a certain balance in order to earn interest on my Kasasa Saver account?

Q: How old must I be to open a Junior Airsavings account?

Q: What happens to my Junior Airsavings when I turn 18?

Q: How do I withdraw money from my Junior Airsavings account?

Aircharity

Q: What do I need to open an Aircharity account?

Q: How does MainStreet Bank verify that an Aircharity account is in fact benefiting the said charity?

Overdraft Protection Lines of Credit

Q: What do I need to apply for an Overdraft Line of Credit online?

Q: What do I need to open a Secure Overdraft Protection Line of Credit application online?

Q: Is there a transfer fee for either Overdraft Line of Credit?

Q: Why is the interest rate (Annual Percentage Rate) lower for the Overdraft Line of Credit than for the Secured Overdraft Line of Credit?

Q: Can I reapply for an Overdraft Line of Credit account later even if I already have a Secure Overdraft Line of Credit?

Q: What is the maximum limit of the Overdraft Line of Credit (or Secured Overdraft Line of Credit) I may be approved for?

Q: Can I continue to add more money to my Kasasa Saver account that is securing my Secured Overdraft Line of Credit?

Q: Does my Kasasa Saver account that is securing my Secured Overdraft Line of Credit still earn interest?

Credit Cards

Q: What do I need to open a Airbanking VISA Credit Card application online?

Q: How do I get a lower interest rate (Annual Percentage Rate) for my Airbanking Visa Credit Card?

Q: How are my Rewards points earned?

Q: Do my Rewards points ever expire?

Q: Must I fly with only one airline when using my Rewards points?

Q: How far in advance must I book my flight to redeem my rewards points?

Q: Is there a fee to transfer a balance on another one of my credit cards to my Airbanking Visa Credit Card?

Mortgages

Q: What do I need to open an Mortgage application?

Q: How can I increase my credit score?

Q: What if there is an error on my credit report?

Q: What is the difference between being pre-qualified and pre-approved?

Q: What is a rate lock?

Q: What’s the difference between a conventional loan and an FHA loan?

Q: What documents will I need to have to secure a loan?

Online Airbanking

Q: Is there a fee for Online Airbanking?

Q: How secure is Online Airbanking?

Q: What do I do if I forget my Online Airbanking password?

Q: Does Bill Pay come with a fee?

Q: If the bank has to mail a check, who pays for the postage?

Q: Can I use bill pay to pay an individual?

Mobile Banking

Q: How do I get started with mobile banking?

Q: What are the restrictions on the type of mobile devices that can be used to access accounts?

Q: What is the difference in Text Mobile and Web Mobile?

Q: Do I have to sign up for both Text and Web Mobile Banking?

Q: What functions can I perform from my mobile device?

Q: What number do I text my text commands to?

Q: What are the Text Commands and Mobile Short Names?

Q: How do I know if my transfer or bill payment was entered successfully?

Q: What if I no longer want to be a mobile user?

Q: What happens if I lose my mobile device?

Q: Why can’t I add a new payee?

Q: What happens if I lose communication/signal during a transaction?

Q: What do I need to do if I get a new phone?

Q: How can I search for a transaction?

Q: Can I use any mobile device to access my accounts?

Q: Can I add a new bill payment payee via mobile banking?

Q: How do I delete a bill payment that I set up through my mobile device?

Q: When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

Mobile Deposit

Q: What devices are capable of using Mobile Deposit?

Q: What is the cost to use Mobile Deposit?

Q: How do I set up Mobile Deposit?

Q: Can I use Mobile Deposit on multiple smartphones?

Q: Do I need to endorse checks that I deposit through Mobile Deposit?

Q: How do I use Mobile Deposit?

Q: What do I do with the check after I submit it for deposit using Mobile Deposit?

Q: When will my funds be available after I submit the check for Mobile Deposit?

Q: Can I view the check after it has been deposited?

Q: What are the limits for deposits through Mobile Deposit?

Business Banking FAQs

Q: What are the restrictions on the type of mobile devices that can be used to access accounts?

Q: What is the difference between Text Mobile and Web Mobile

Q: Do I have to sign up for both Text and Web Mobile Banking?

Q: How do I get started with Airbanking?

Q: What number do I text my text commands to?

Q: What are the Text Commands and Mobile Short Names?

Q: How do I know if my transfer of bill payment was entered successfully?

Q: What if I no longer want to be a mobile user?

Q: What happens if I lose my mobile device?

Q: Why can’t I add a new payee?

Q: What happens if I lose communication/signal during a transaction?

Q: What do I need to do if I get a new phone?

Q: How can I search for a transaction?

Q: Can I use any mobile device to access my accounts?

Q: Can I add a new bill payment payee via mobile banking?

Q: How do I delete a bill payment that I set up through my mobile device?

Q: When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

Q: What if I can’t get my mobile device to work with Internet Banking?

Q: What functions can I perform from my mobile device?