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Regular Checking

Everything we could think of to make your life a little easier. 

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Our totally free account is packed with fantastic features

There's nothing really "regular" about Market USA Regular Checking. From Online Bill Pay to Mobile Check Deposit to Alerts, we've gone to extraordinary lengths to offer as many money management tools and money-saving opportunities as possible. Plus, we give you the opportunity to pocket some extra cash by paying dividends on balances of $1,000 or more.

  • No minimum to open
  • No monthly maintenance fees
  • No minimum balance requirements
  • Earn dividends on an average daily balance of $1,000 or more
  • Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches
  • Link your debit card to your smartphone's Mobile Wallet for convenient one-tap and contactless purchases
  • Debit card controls provide extra security by allowing you to turn your card "off and on"
  • With Mobile Check Deposit1, you can deposit checks from anywhere using your mobile device
  • Use Online and Mobile Bill Pay to make payments without postage or envelopes
  • eStatements put important account information at your fingertips
  • Alerts notify you of important account activity
  • Overdraft protection options

Direct Deposit Benefits

Enjoy additional advantages with a direct deposit of at least $500 into your checking account:

  • Eight free monthly transactions at CO-OP, Alliance One, PLUS®, and Star® ATMs (ATM surcharges may apply at PLUS® and Star® ATMs). Members under the age of 25 are also eligible, regardless of direct deposit.
  • Initial check order free (signature style only)
  • 0.35% premium on certificates (with direct deposit and eStatements)
  • 0.50% Relationship Rewards* discount on auto and personal loans (with direct deposit and e-Statements). Get an additional 0.25% discount with auto pay.

Take Control of Your Finances with Our Digital Banking Tools

Our FREE digital banking tools are designed to help you save, track, and manage your money, and your credit, with ease. Stay in control with features that provide valuable insights, automation, and security—anytime, anywhere, including:

  • Credit Report Monitoring and Insights – Stay informed with full access to your credit score and report, detailed insights into what impacts your score, and tips to improve your score—all without affecting your credit.
  • Spending Analysis – Gain a clear picture of where your money is going and where you can save. Easily find recurring expenses to spot unused subscriptions.
  • Savings Goal Tracker – Set personalized savings goals, track your progress in real time, and stay motivated with visual insights—all within digital banking.
  • Recurring Transfers – Set up recurring transfers to automate your savings, pay loans on time, or move money between accounts—saving you time and ensuring your finances stay on track effortlessly. 
  • Card Management – Manage your debit card with enhanced security features. Turn your card on or off, set up alerts, establish transaction limits, and more.

Whether you're managing your day-to-day spending, setting savings goals, or keeping a close eye on your credit, our digital banking tools are here to support you every step of the way. Make the smart choice for your financial future and start benefiting from these powerful features now.

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Regular Checking Account Rates
Balance APY Dividends Compounded/Credited
$1,000.00 0.01% Monthly/Monthly

Rates effective as of 3/30/2025.

Rate Disclosures

1 For Mobile Check Deposit availability, membership must be established for at least 90 days; checking account must be opened for at least 30 days; account must be in good standing; primary account holder must be at least 14 years of age. Additional restrictions apply. See Mobile Deposit Terms & Conditions for details.

* To qualify for a Reward Rate, you must have eStatements and one of the following: (a) direct deposit of at least $500 per month and an active Market USA checking account; or (b) at least $25,000 on deposit.

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 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.

Log into Digital Banking, select “Alerts” from the Tools Menu, and choose “Card”. Under the Visa debit card graphic, you will see an option to block/unblock the card.

Privilege Pay saves you the extra hassles of dealing with a denied transaction by covering checks, ACHs and bill payments for eligible accounts when you do not have sufficient funds in your checking account1. If you choose to use Privilege Pay for an emergency need, we suggest writing a single check for the funds you need, in order to minimize the fees that you incur. There is a $29 fee per transaction. This service will automatically be added to eligible checking accounts (not everyone will qualify). If you would like Privilege Pay to also cover every day ATM/debit card transactions or prefer not to have any Privilege Pay coverage, log into Digital Banking, choose “Privilege Pay” from the “Tools” menu, and select your preferences.

We offer additional overdraft protection services such as overdraft lines of credit and automatic transfers from other accounts, which may be a less expensive alternative to Privilege Pay. Contact us at 301-586-3400 or memberservices@marketusafcu.com for details. If you have an existing overdraft protection from your savings account and/or overdraft line of credit, we will access those funds for payment prior to utilizing Privilege Pay.

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

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  • Overdraft Protection

    Have peace of mind knowing your transactions are covered.

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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