Privilege Pay Service

With Privilege Pay, qualified checking accounts may be overdrawn by writing a check or performing a debit card/ATM transaction. Market USA FCU allows qualified members the courtesy of writing checks or performing debit card/ATM transactions, when funds are not currently available in the member's checking account. Checking accounts are qualified for Privilege Pay monthly. You are able to view your Privilege Pay Qualification amount within Internet Banking.

In order to utilize Privilege Pay to cover overdrafts on ATM, and everyday debit card transactions, the member must Opt-in for coverage of overdrafts caused by use of ATM/Debit Cards. You may Opt-in for coverage of overdrafts caused by ATM/Debit Cards by contacting our Member Service Call Center at 800.914.4268 or printing, completing, and returning the
Privilege Pay Opt In Form.

Although we don't recommend overdrawing the account on a regular basis, we understand that mistakes can happen. Privilege pay can save you from the embarrassment of a bounced check in addition to not having to pay merchants' costly return check fees. Also, Privilege Pay can be used to consciously overdraw the account while waiting for the next paycheck. By doing this, you can avoid excessive fees by writing only one check or making one ATM transaction for the funds you need. However, Market USA FCU cautions you to do this only in the case of an emergency. Please remember that each time an overdraft is paid via Privilege Pay there is a Privilege Pay fee.

  • Provides peace of mind
  • Avoid expensive merchant returned check fees
  • Allows for more flexibility with your spending
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 5,000 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:
National Shared Branches Network Map

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.

Our Member Service Center is staffed by friendly member service representatives ready to assist you.

  • Existing members can open additional savings and checking accounts
  • Have your questions answered
  • Loan applications accepted
  • Changes to your membership or accounts
Important Information About Privilege Pay:

There is a fee for this service. Market USA cautions you to use it only in emergencies. Market USA will normally pay overdrafts within Privilege Pay limits; however, payment by Market USA is a discretionary courtesy and not a right or obligation. We may refuse to pay an overdraft for you at any time even though we may have previously paid overdrafts for you. The Privilege Pay service may be withdrawn or withheld by Market USA FCU at any time without prior notice, reason or cause.


You should make every effort to bring your account to a positive balance as quickly as possible. If, after 30 days, your account has not been brought to a positive balance, your Privilege Pay service will be suspended and the credit union will proceed with collection efforts.


Privilege Pay & Overdraft Disclosure
Privilege Pay Fee $29.00

AutoSMART Car Buying Service
       

 

 
Market USA Privacy Policies

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government