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 and savings accounts
• 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
• 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

The PIN/Password you select for your Internet Banking access will also be your PIN/Password for Telephone Banking. After processing of your Internet/Telephone Banking application, you will be given access to both Internet Banking and Telephone Banking. If you already have full access to Telephone Banking, you can begin to use Internet Banking right away!

Optional Bill Payer Service

Internet Banking includes an optional Internet Bill Payer service that allows you to pay most recurring bills with the click of your mouse. The Bill Payer service is FREE for members who pay two or more bills per month; otherwise there's a $1.95 monthly fee. You must have a checking account in order to utilize the Bill Payer Service.

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
• View current account activity:
• Checks Paid
• Deposits
• Withdrawals
• ATM 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

The PIN/Password you select for your Telephone Banking access will also be your PIN/Password for Internet Banking. After processing of your Telephone/Internet Banking application, you will be given access to both Telephone Banking and Internet Banking. If you already have full access to Internet Banking, you can begin to use Telephone Banking right away!

National Shared Branches:

Market USA FCU is part of the National Shared Branch Network with over 1,826 locations throughout the United States. You can conduct business on your Market USA accounts at National Shared Branches.

• Make deposits
• Request withdrawals
• Make loan payments
• Other services available depending on location

Shared branch locations will display the following logo:

Member Service Call Center

301-586-3400 800-914-4268 Hours: M/W/F 8:30 a.m. - 5:00 p.m.; Tu 9:00 a.m. - 5:00 p.m.; Th 7:15 a.m. - 6:30 p.m. Our Member Service Call 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

1. During any month, you may not make more than six teller-processed withdrawals from your account.
2. 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 preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, 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.

Fees and Charges

• Regulation D Excess Activity Fee* - $10.00 per violation
• Share Excessive Withdrawal Fee** - $2.00
• Early Account Closure Fee*** - $5.00

• * Transactions in excess of six (6) per month.
• ** Per teller-processed withdrawal in excess of six (6) per month.
• *** Account opened less than six (6) months.