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Fresh Start Checking

Given a second chance, we think you'll do just fine.

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Get back on sound financial footing with no monthly fee

Anyone can hit a financial rough patch and find themselves unable to qualify for a regular checking account. At Market USA, we offer an opportunity to get back on track and rebuild a positive checking history. With Fresh Start Checking, you'll get the tools you need to manage your money, plus the opportunity to step up to one of our standard accounts.

  • No minimum balance requirement
  • No monthly fees
  • Access to 30,000+ surcharge-free ATMs and 5,000+ shared branches
  • Digital Banking and Bill Pay
  • After your account has been open for six months, your Fresh Start Checking will upgrade to Regular Checking, making you eligible for Mobile Check Deposit and Privilege Pay

Direct deposit is required to open a Fresh Start Checking. If you do not have access to direct deposit, you may be eligible for our Provisional Checking account.

Contact Market USA

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.

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To set up an Alert, log into Online Banking and choose Alerts from the Tools menu. For Account Alerts, select the desired account from the drop-down box. Be sure to slide the bar to the right so that you see a dark green bar indicating that the alert is turned on. Select how you would like to receive your alert, text, email, and/or push. In the Mobile App, alerts can be found by tapping More, Tools, then Alerts.

To establish direct deposit into your Market USA account, simply provide your payroll department with your routing number (255077493) and checking account number, which is located on the bottom of your checks, as illustrated below. Your payroll department may require that you complete additional paperwork.

Check Example

Log into Digital Banking and choose "Check Services" from the Tools menu or click here to visit the Harland Clarke website. Select Personal Products to browse the product catalog. You will need a check from your previous order to complete this process. If you are placing an order for the first time, please contact Member Services at 301-586-3400.

Report your card as soon as possible by calling the following:

  • Business hours: (301) 586-3400 option #3
  • After hours: (888) 241-2510
  • Collect & International: (909) 941-1398

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

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  • Round-Up and Save

    Grow your savings, one purchase at a time.

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  • Ways to Make Deposits

    Save time with easy and convenient options.

    Learn More