ATM / Visa Check Card

With a Visa check card, you'll be able to use your card anywhere VISA is accepted while enjoying access to any PLUS ATM worldwide. Your card will be linked to your main savings and checking accounts, and with direct deposit you'll be able to enjoy eight(8) free ATM transactions per month.

If you have a Market USA FCU checking account, you can also use your ATM card as a debit card for point-of-sale (POS) transactions at merchants displaying the Interlink® logo.

Protecting your credit, debit and ATM cards

It is important to protect your debit, credit and ATM cards. With identity theft on the rise, a criminal with your account information could easily perform unauthorized transactions. Below are some suggestions on how to help prevent this crime from happening to you:

  • If you plan to use your cards for on-line purchases verify that the website uses a secure encryption system (an encryption system ensures that your information cannot be obtained by an outside person).
  • It is best to keep a list of your credit, debit and ATM card numbers and their corresponding emergency telephone numbers in a safe place such as a lock box or a safe deposit box. This will be helpful if you should ever need to report a lost or stolen card. When not carrying your cards with you be sure to keep them in a designated secure location.
  • Be mindful when using your cards for purchases at local vendors that your card is not in direct view of another customer´s cellular phone. Many phones are now equipped with cameras. These cameras are virtually undetectable and could easily capture your card number and expiration date without your knowledge.
  • Keep all documents containing your account information in a secure location. Be sure to use a paper shredder when it is time discard such documents.

Travel Tips

When traveling out of state or overseas, notify us in advance of the destinations and dates you'll be traveling to prevent possible interruption of ATM or debit card access. Include hotel phone numbers and alternate contact numbers that can be used to locate you if necessary. Make a record of your Visa Debit card account and compile a list of important numbers for reporting lost or stolen cards and keep it in a safe place away from your wallet or handbag. Be sure to include our Member Service Center and our after hours card member security numbers shown below:

Lost or Stolen Cards

  • To report a lost or stolen ATM or VISA® Check Card:
    • Monday - Friday 9:00 a.m. - 5:00 p.m. call
      (301) 586-3400 option #5
    • After hours and weekends call (888) 241-2510
    • Collect & outside of the U.S. call (909) 941-1398

  • To report a lost or stolen VISA® Credit Card:
    • 24 hours a day/ 7 Days a week, call (800) 449-7728

  • World Wide Acceptance
  • Members can make withdrawals at any Plus® ATM worldwide.
  • Use your VISA Check Cards anywhere VISA debit cards are accepted
  • Free Point-of-Sale (POS) transactions with your Visa Check Card
  • Use the cash back option when making purchases to avoid ATM surcharges.
  • Protected by Visa's Zero Liability policy
  • 24 hour fraud monitoring
  • Verified by Visa provides additional security for online purchases from participating merchants
  • Access to 30,000 surcharge-free CO-OP Network ATM's nationwide

Direct Deposit Club members receive these additional benefits:

  • Eight(8) free monthly transactions at Plus® and STAR® ATMs (ATM surcharges may apply)
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
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.

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
  • During any month, you may not make more than six teller-processed withdrawals from your account.
  • During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par value of a share

The par value of a share in this account is $5.00.

Additional Information

ATM/VISA card Application
ATM/Branch Locator
Certificates
       

 

 
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