Direct Deposit Checking
You can have all or a portion of your net pay deposited directly into your Market USA FCU account(s). Your paycheck is deposited directly into your account (checking and/or savings) on the morning of the day you are paid and is instantly available. Members with Direct Deposit also enjoy many money-saving benefits. Click here for instructions on how to set up your direct deposit.
Enjoy all the benefits of a Regular Checking account:
- No minimum balance requirements
- No monthly maintenance fees or per-check charges
- Free Visa Check Card
- Earn dividends on accounts with an average daily balance of $1,000 or more
- Free Point-of-Sale (POS) transactions with your Visa Check Card
- Free Overdraft Protection from Savings
- Qualified Members automatically receive Privilege Pay access
- Access to 30,000 surcharge-free CO-OP Network ATM's nationwide
- Make deposits at your convenience through e-Deposits
- Set up text and/or email balance alerts (available through e-Statements)
- Send person to person payments through Popmoney
PLUS
- Access to over 55,000 surcharge free Allpoint ATMs nationwide
- Eight(8) free monthly transactions at Plus® and STAR® ATMs (ATM surcharges may apply)
- Initial check order free (signature style only)
- Discounted rates on subsequent check orders
Internet Banking
Internet Banking allows you to access your credit union account (s) via the Internet from your home or office computer. It's free and gives you access to your accounts 24 hours a day!
- Transfer funds between your Market USA FCU accounts
- Open new checking, savings, certificate accounts
- Conveniently pay bills
- Schedule transfers and check withdrawals
- Request withdrawals (Teller Checks will be U.S. mailed to you)
- Request line of credit advances
- View current account activity
- Checks Paid
- Deposits
- Withdrawals
- ATM Transactions
- Debit Card Transactions
- Hold Amounts
- Print Account Statements
- Issue stop payments on checks
- Request copies of checks
- Obtain balance information on any of your Market USA FCU accounts
- Get tax information - interest paid on loans and dividends earned
Internet Bill Pay
Pay your bills quickly and securely online. Click here for more information or to view the online demo.
Telephone Banking
Telephone Banking allows you to access your credit union account(s) from any touch tone phone by calling 301-586-3450 or 800-764-4268.
- Transfer funds between your Market USA FCU accounts
- Request withdrawals (Teller Checks will be U.S. mailed to you)
- Request line of credit advances
- Hear current account activity
- Checks Paid
- Deposits
- Withdrawals
- ATM Transactions
- Debit Card Transactions
- Issue stop payments on checks
- Request copies of checks
- Obtain balance information on any of your Market USA FCU accounts
- Get tax information - interest paid on loans and dividends earned
Signing up for Telephone Banking can be done on your initial membership application, or simply by contacting our Member Service Center at 301-586-3400 or 800-914-4268.
National Shared Branches:
Market USA FCU is part of the National Shared Branch Network with over 6,700 locations throughout the United States. You can conduct business on your Market USA accounts at these locations.
- Make deposits
- Request withdrawals
- Make loan payments
- Other services available depending on location
Need to locate a CU Service Center while on the go? Get the Mobile Branch Locator:
Shared branch locations will display the following logo:
Member Service Center
301-586-3400 800-914-4268
Hours:
- M/W/F 8:30 a.m. to 5:00 p.m.
- Tu 9:00 a.m. to 5:00 p.m.
- Th 9:00 a.m. to 6:30 p.m.
- Existing members can open additional savings and checking accounts
- Have your questions answered
- Loan applications accepted
- Changes to your membership or accounts
Rate Information
The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and crediting
Dividends will be compounded every month. Dividends will be credited to your account every month.
Dividend Period
For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow the same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.
Minimum balance requirements
The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. The minimum average daily balance required to earn the annual percentage yield disclosed is $1,000.00. Accounts with an average daily balance below $1,000.00 will not earn dividends.
Average daily balance computation method
Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is monthly.
Accrual of dividends on noncash deposits
Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.
Transaction Limitations
No transaction limitations apply to this account unless otherwise stated in the Commom Features section.
