Frequently Asked Questions for Main Street Banking
What is Main Street Bank’s Routing Number?
Main Street Bank’s routing number is 211370752.
You can find the bank’s routing number, along with your checking account number, on your checks. The first 9 digits are the bank’s routing number, also called an ABA number. The second set of digits are your checking account number. The last set of digits indicate the check number.
If you’re looking to change your direct deposit with your employer, or change your automatic deductions from your account, be sure to take a look at our account “Switch Kit” to make it easier for your to switch your account activity at Main Street Bank.
Where are the Main Street branches located? What are their hours of operation?
What are the holiday hours at Main Street Bank?
Main Street Bank is closed during the following holidays:
|Holiday||Branches Closed||Call Center Support|
|New Year’s Day||All||Closed|
|Birthday of Martin Luther King, Jr.||All but Sudbury (open 9:00 am – 2:00 pm)||Open|
|Washington’s Birthday (President’s Day)||All but Sudbury (open 9:00 am – 2:00 pm)||Open|
|Columbus Day||All but Sudbury (open 9:00 am – 2:00 pm)||Open|
|Veterans Day||All but Sudbury (open 9:00 am – 2:00 pm)||Open|
Remember, our customers have access to Online and Mobile Banking, Bill Pay, and Mobile Deposit 24/7 – even during the holidays!
How do I report a lost, stolen or damaged Debit or ATM card?
To report a Debit or ATM card as lost, stolen or damaged and to receive a new card:
- Call our automated line 800-236-2442 at any time
- Call us at 508-481-8300 during business hours
How do I enroll in Online Banking?
Personal banking customers can enroll by clicking the “Enroll” link in the Online Banking login section of bankmainstreet.com, or by clicking here. Follow the instructions below to enroll your account(s) in Online Banking.
1. By clicking on the “Enroll” link above, you will be brought to a page that will confirm how you want to verify your accounts with us. You need to have an account already established to be able to enroll in Online Banking. You can verify your accounts by using your ATM/Debit Card, deposit account, or loan account. Before moving to the next step, make sure to open the “Online Banking Agreement and Disclosure” link and check the box to indicate that you have read and agree to the terms of this disclosure.
2. If using an ATM or Debit Card to verify your accounts, you will fill out the form with all applicable information. Be sure to have your card handy so you can access the CSV code on the back of the card.
3. If using a deposit account to verify your accounts, such as a checking account, savings account, or money market account, you will fill out the form with all applicable information. You will be asked to provide the last statement balance on your account. This will be the ending balance that was listed on your last statement, and is not necessarily your current account balance.
4. If using a loan account to verify your accounts, such as a mortgage, equity loan or line of credit, or personal loan, you will fill out the form with all applicable information. You will be asked to provide your last payment amount. This will be the last payment you made to the loan account.
5. Once you verify your accounts, you will enter your address, mother’s maiden name, and date of birth.
6. Once you’ve entered in all your information, you will then be able to choose a User ID and password to log into Online Banking. When choosing a User ID, keep in mind that it must be at least 8 characters long, include at least 2 letters and 2 numbers, and is case-sensitive. When choosing a password, note that it must be at least 8 characters long as well, include at least 1 letter and 1 number, and is also case-sensitive. Be sure to read up on some Consumer eBanking Fraud Prevention Best Practices for some tips on setting up a “strong” password, and other guidelines to help keep your information safe!
7. If there is information our team needs to verify, we will contact you within 1 to 3 days to let you know your Online Banking is set up.
Business customers can enroll in Business Intelligence Online by contacting their relationship manager, visiting one of your nearest branch locations or contact Customer Service.
How do I sign up for e-Statements?
We care about helping our customers just as much as you care about the environment! One easy way to save trees and time is to set up free e-Statements using Online Banking at Main Street Bank. To help make it easier for you, we put together a step-by-step guide for how you can enroll in e-Statements, and start saving space in your filing cabinet today.
1. Log into online banking, select “Accounts” from the main menu, and choose “Online documents.”
2. To change how you receive statements, select “change your document delivery methods” beneath the list of accounts.
3. Choose the way you’d prefer to receive your statements in each drop-down menu (either “Paper” or “Online.”) For electronic statements, change the method to “Online.”
4. Be sure to open the “Service Agreement and Disclosure” and read through before checking the box that you have read it. Then, select “Submit” at the bottom of the page.
Bonus: You can also receive your deposit and loan tax forms electronically, and get them earlier in January than you would through regular mail. Select “Online” from the drop-down menu for any Tax Forms you may receive from Main Street Bank.
How do I know the Online Banking site is secure?
Main Street Bank has taken many steps to make sure you are protected online:
- 256-bit Secure Sockets Layer (SLL) technology. To access your accounts, you must use a browser that supports a 256-bit encryption.
- A User ID and Password are required every time you login. Your sign on information is used for accessing your accounts online – never share them with anyone.
- The computers that run our site are protected by firewalls, which are systems that prevent unauthorized access to our network. They are constantly monitored to prevent security breaches.
- A Main Street Bank online session will automatically end, or “time out”, if you do not perform any transactions for twenty minutes. To resume your session, you will have to log back in to Online Banking.
- When using a new device to log into Online Banking for the first time, an additional level of security is added with an automated phone call to the primary phone number for you, SMS text message to the primary cell phone number for you, or additional “out-of-wallet” questions must be answered before being prompted to enter your password.
How do I enroll in Mobile Banking?
For personal banking customers, Online Banking is needed to access Mobile Banking. Download “Main Street Bank Mobile” from the Apple® App Store or Google® Play Store. Once you’ve downloaded the app, you can launch it by tapping on the icon on your phone. When prompted, simply log in using your personal Online Banking Login ID and password. First-time enrollees will be required to answer a few challenge questions for authentication and to register your device.
To sign up for Business Mobile Banking, contact your relationship manager or our Cash Management Team.
I’m locked out of Online Banking. How do I reset my account and password?
If I forgot my Online Banking password, can I change it?
To reset your Online Banking password, follow these steps:
2. You will see a text box to enter your password. If you do not know your password, click on the link below, “Forgot your password?”
3. You will be prompted to receive a one-time security code to verify your identity. By clicking “Continue with Security Code,” you will receive a phone call to the phone number we have on file for you, or text message to the mobile phone we have on file.
5. If you do not have access to a phone, you can also choose to answer a set of security questions to verify your identity instead. When prompted to “Continue with Security Code,” click on the link below to “answer verification questions.” You will then be prompted to fill in your name and date of birth.
6. Once you’ve confirmed your identity, either through a security code or answering verification questions, you can then change your password. Keep in mind, your password must be at least 8 characters long, include a letter, a number, and is case sensitive. Be sure to read up on some Consumer eBanking Fraud Prevention Best Practices for some tips on setting up a “strong” password, and other guidelines to help keep your information safe!
If you have forgotten both your Online Banking User ID and password, contact us via:
- Telephone at 508-481-8300; 24/7 support is available
- Using the available contact options under Contact Us
How do I get a Main Street Bank Debit or ATM card?
Personal banking customers may request a Debit Card or ATM card during the account application process. Additionally, a card may be requested by completing and returning a Personal Debit/ATM Card Application. Business banking customers may request a Debit Card or ATM card during the account application process. Additionally, a card may be requested by completing and returning a Business Debit Card Application. The best part? Debit or ATM cards can be printed on-site at any of our branch locations.
How do I cancel my debit card?
If you lose your debit card, you can call the number below at any time to quickly cancel your card and minimize the chance of fraud and risk.
To report Lost/Stolen Debit Cards
During business hours, you may call either of our direct phone numbers and ask for your branch or Deposit Operations for help with canceling your debit card.
If you notice transactions on your account that you did not authorize, you can dispute these transactions. Please contact your branch or our Deposit Operations department as soon as you notice potential fraudulent transactions in your account.
How do I change my address?
To change your address at Main Street Bank, you can visit any of our branch locations, or you can follow these steps to send an electronic request to change your address:
1. Once you have logged into your Online Banking profile, you can select the “Customer Service” option in the menu at the top of the screen. Don’t use Online Banking with us yet? You can get signed up today!
3. This will bring you to a screen that allows you to fill out a change of address request. Complete all the fields for the new address, select which accounts you wish the address to be changes for (all accounts or only those that use the current address), select an effective date for the address change, and select “Submit.”
What are the interest rates at Main Street Bank?
What are Main Street Bank’s account fees?
While we offer free account options for both consumers and businesses, there are some standard one-off account fees that can apply in specific situations. For a list of all of our retail and business account fees, please review our Summary of Fees below.
Our Retail Summary of Fees outlines any fees associated with consumer deposit accounts.
Our Business Summary of Fees outlines any fees associated with business and commercial deposit accounts.
Our Cash Management Summary of Fees outlines any fees associated with Cash Management deposit accounts and services.
How do I place a stop payment on a check?
Placing a stop payment on a check can be done when you lose a check, or the person you gave a check has lost the check you made out. This prevents someone else from fraudulently cashing that check in the future. A stop payment can be placed online by following these steps:
Log into your Online Banking profile and select Customer Service in the menu at the top of the page. Click “Stop a check” under Account Services.
Complete the stop payment request form. Select the account you wish to place a stop payment on and input a reason (if applicable). You will need to input a Payee, which is who the check is made payable to. You will need to add a check number; this will ensure the system can detect if someone attempts to cash that check. You may include a check date and amount to help further narrow down the check information. You may also place a stop payment on a range of checks; this can be used in the event you lose multiple checks. Select continue.
Please note that a standard stop payment charge applies to any stop payment placed on an account. This fee, and all other account fees, are referenced in our Retail Summary of Fees.
While checks can be useful for paying for many services, there are other alternatives to pay vendors and people without using a check. Online Bill Pay allows you to send funds electronically to major vendors, directly from your checking account. All you need is your vendor’s name, account number, and other information you can find on your bill, and you only have to set them up one time.
To pay individuals, you can use People Pay through Online Banking or Mobile Banking. All you need is the person’s cell phone number or email address to send them payment electronically. This works great for babysitters, splitting a check with friends, or sending a monetary gift to someone who lives far away.
Does Main Street Bank offer credit cards?
Main Street Bank offers credit cards for both consumers and businesses. To apply for a card, simply click on the link below, and select the type of card you wish to apply for (Personal Credit Cards or Business Credit Cards.)
Both our personal and business credit cards come with many rewards options based upon what is most important to you, from mileage points to rewards points you can use and multiple retailers. Review each card option to determine which one is the best fit for your needs.
If you have our personal credit card, here is some useful information:
- For customer service, call 800-883-0131
- To view your statements and transaction history, visit www.MyCardStatement.com
- To view your rewards points, visit www.cRewardsCard.com
If you use our business credit card, use this helpful information:
- For customer service, call 1-800-883-0131
- To view your statements and transaction history, visit www.MyCardStatement.com
- To view your rewards points, visit www.cRewards.com
Where do I mail my loan payments to Main Street Bank?
Loan payments made payable to Main Street Bank can be sent to the following address:
Main Street Bank
PO Box 981032
Boston, MA 02298
This address may also be used for electronic payments made with another financial institution’s online banking program. For any questions about your loan payments, you can contact our Loan Operations department at 508-481-8300 or firstname.lastname@example.org.
Does Main Street Bank have mortgage calculators?
Figuring out what mortgage payment you can afford is a big part of deciding what solution is right for you. Everyone’s situation is different, and it is important to consider what kind of mortgage payment works with your lifestyle.
Main Street Bank offers several different calculators to help you in your decision to buy a home.
Get a clear picture of how much you can afford or how you can pay off your mortgage sooner using payment calculators with graphs. Having a visual can help you understand your options.
If you are more of an analytical thinker, these mortgage calculators use charts and payment structures to show you how much you could pay with different mortgage types.
Either way, having access to a dedicated community lender will be the best way for you to understand your options, get answers, and choose the right mortgage for your needs. Contact any of our community lenders to find out more about our mortgage products.
What type of account ownership should I choose?
For accounts opened online, if you are the only name that will be on the account, and the only person who will have access to the account, select “Individual” ownership. If there will be more than one person on the account, and all will have access to the account, select “Joint” ownership. All other account ownership types must be opened in one of our branch locations.
Can I make change at Main Street Bank?
For individuals and businesses that have a deposit or loan account with Main Street Bank, we will make change for money in any amount. This means exchanging a $100 dollar bill for 5 $20 dollar bills, turning in smaller bills for larger ones, exchanging paper bills for coins, or any other combination of exchanging money.
Main Street Bank’s policy is to not exchange currency above the amount of $50 with anyone who does not have a deposit or loan account with the bank. We enforce this because:
- This protects the bank and our customers from possible counterfeit currency or currency used for fraudulent/illegal purposes.
- We are unable to trace currency back to those who do not have an account at the bank.
- Most financial institutions have a similar policy.
We appreciate your understanding of our obligation to protect our customers and the bank from potential risks.
What is backup withholding?
According to the Internal Revenue Service, in the US, backup withholding is a specified percentage withheld by the payers to be paid to the IRS on most kinds of transactions reported on variants of Form 1099. Backup withholding may be required for several reasons, including but not limited to:
- an improper TIN/ITIN/ATIN on the W-9
- an IRS backup withholding order
- certain types of payment are always subject
Banks or other businesses that pay certain kinds of income must file an information return (Form 1099) with the IRS. The Form 1099 shows how much an individual was paid during the year. It also includes the individual’s name and Social Security Number (SSN) or other taxpayer identification number (TIN).
Payments reported on a 1099 are generally not subject to withholding. However, “backup” withholding is required in certain situations.
What is a U.S. person?
A U.S. person, or “United States person” is defined as any United States citizen or alien admitted for permanent residence in the United States, and any corporation, partnership, or other organization organized under the laws of the United States.