Checking Account Comparison

For all the ways you like to manage your money

When it comes to a personal checking account, there's no cookie-cutter solution at Market USA. Go for an account that pays great dividends. Select the account that's straightforward. Opt for the one designed for your age group. Or open the account designed to help you get back in good standing. Whichever you choose, they all share these features:

No minimum balance requirements
No monthly maintenance fees or per-check charges
Access more than 30,000 surcharge-free CO-OP ATMs nationwide
Use in-branch services at more than 5,000 shared branches nationwide
Manage your money with the Mobile App including Mobile Check Deposit or Online Banking which includes expense category tracking and recurring expenses to easily spot subscriptions you no longer use
Tap to pay with a free Visa contactless debit card or your smartphone (debit cards are compatible with Apple Pay and Google Pay)
Send and receive money through Zelle^®
Free credit report monitoring, score improvement personalized tips and score simulator to see how certain actions will impact your score
Set up savings goals and recurring transfers to achieve your goals
Track all your activity using custom Alerts and eStatements

Compare Your Account Options
	High-Rate VIP Checking Learn More	Regular Checking Learn More	Young Adult Checking Learn More	Fresh Start Checking Learn More
Overview	Take an interest in earning dividends on your balance	A convenient, affordable account that delivers additional benefits with a $500 monthly direct deposit	The ideal account for ages 14 - 24	Rebuild a positive checking history and put past difficulties behind you
Dividends	Platinum Tier: Earn 4.50% APY² up to $15,000 (direct deposit, eStatements and 15 debit card transactions required) Gold Tier: Earn 2.01% APY²up to $15,000 (direct deposit, eStatements and 12 debit card transactions required)	Earn 0.01% APY on balances of $1,000 and up	Choose between High-Rate VIP Checking and Regular Checking	N/A
ATM Transactions	8 free monthly ATM transactions (ATM surcharges may apply) with direct deposit	8 free monthly ATM transactions (ATM surcharges may apply) with direct deposit	8 free monthly ATM transactions (ATM surcharges may apply)	N/A
Added Discounts	0.35% premium on certificates with direct deposit of $500 per month and eStatements 0.50% rate discount on your auto or personal loan with Relationship Rewards³ (and another 0.25% discount with auto pay)	0.35% premium on certificates with direct deposit of $500 per month and eStatements 0.50% rate discount on your auto or personal loan with Relationship Rewards³ (and another 0.25% discount with auto pay)	0.35% premium on certificates with direct deposit of $500 per month and eStatements 0.50% rate discount on your auto or personal loan with Relationship Rewards³ (and another 0.25% discount with auto pay)	N/A
Free Initial Check Order (Signature style only)	Yes, with direct deposit	Yes, with direct deposit	Yes, with direct deposit	N/A
Direct Deposit Required	No	No	No	Yes
Privilege Pay Saves you the hassle of a denied transaction due to overdraft by covering checks, ACH and bill payments for eligible accounts⁴ Opt-in for coverage on ATM/debit card transactions⁵ $29 fee each time Privilege Pay is accessed (Additional overdraft options available, such as Personal Line of Credit)	Yes	Yes	Yes	N/A
Special Conditions	N/A	N/A	N/A	Account will upgrade to Regular Checking after 6 months, if it's in good standing

¹Membership must be established for at least 90 days; checking account must be opened for at least 30 days. Additional restrictions apply. Ask us for details.

²Annual Percentage Yield (APY) current as of 4/1/24 and subject to change. VIP checking requirement to earn APY: (1) enrollment in e-Statements; (2) monthly direct deposit of at least $500; direct deposit from a single source cannot be used to meet the requirement for multiple accounts; (3) 15 Visa Debit Card purchases per month for Platinum tier; 12 Visa Debit Card purchases per month for Gold tier; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchases made at the end of the month may not post until the following month, depending on the merchant, and will not count towards the previous month’s qualifications; purchase returns will reduce your number of transactions; multiple transactions of the same amount, on the same day, may cause your transactions to post manually, which will not count towards the qualification limit. APY applies to balances thru $15,000; balances above $15,000 earn the prevailing rate paid on standard checking accounts. One account per member/SSN.

³To qualify for a Rewards Rate, you must have eStatements AND one of the following: a) direct deposit of at least $500 per month and an active checking account, or (b) at least $25,000 on deposit. Discounts do not apply to credit cards, certificate and share secured loans, line of credit, Fresh Start, Home Equity Loans/Lines of Credit and First Mortgages. Your account and/or loan will revert to the standard rate if you discontinue direct deposit or e-statements. Discounts are not available on all loan types. Existing Market USA loans are not eligible. Ask for details.

⁴Market 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 to 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 at any time without prior notice, reason or cause. Maximum limit is $500; your actual limit may vary. Privilege Pay limit is subject to change based on account criteria. Once your account is overdrawn, you must restore a positive balance within 30 days in order to avoid suspension of the service and/or other collection efforts. Certain restrictions apply. Ask us for details or visit marketusafcu.com.

⁵You can revoke your opt-in at any time by contacting us. Checking accounts subject to approval.

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.