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Young Adult Checking

Money management for the next generation. 

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Time-saving tech puts you in full control of your finances

High school, college or entering the workforce. If you're ages 14 to 24, you're probably busy, ambitious and have plenty on your plate beyond managing your credit union accounts. Our Young Adult Checking comes with digital banking tools, a debit card and additional features so that you can get things done your way - fast and easy.

  • No minimum amount to open
  • No minimum balance requirement
  • No monthly maintenance fees
  • Choose between Regular Checking or our High-Rate VIP Checking
  • Easy account access through Online Banking and our Mobile App
  • Deposit checks anytime with Mobile Check Deposit1
  • Link your Visa debit card to your smartphone's Mobile Wallet for one-tap and contactless purchases
  • Free Online and Mobile Bill Pay
  • Access to 30,000+ surcharge-free ATMs and 5,000+ shared branches
  • Eight free foreign (non-Market USA) ATM transactions per month2
  • Link your debit card to your mobile device for one-touch or contactless purchases
  • Text alerts notify you of important account activity
  • Parents can easily transfer funds online
  • Overdraft Protection options

Resources for your financial success

No one is born with a wealth of financial knowledge. And they don't teach you all these things in schools. So how do you become a money-smart adult? We have two good answers.

  • Our Elements of Money program offers a variety of educational resources specially for members ages 13-17 to help you on your path toward financial success. You can also enter quarterly social media contests for a chance to win prizes.
  • A variety of educational materials and information is available through KOFE (Knowledge of Financial Education) to help you make smart financial decisions. Resources include interactive courses, podcasts, webinars, games and more.

Members under age 18 will need to have a parent or guardian on the account.

High-Rate VIP Checking Rates
Tier Balance APY* Dividends Compounded/Credited
Platinum $0.01 4.50% Monthly/Monthly
Gold $0.01 2.01% Monthly/Monthly

Rates effective as of 12/21/2024.

*APY applies to balances thru $15,000; balances above $15,000 earn the APY paid on regular checking accounts. Qualifications must be met by the end of the month to earn dividends.One account per member/SSN. Dividends compounded and credited monthly.

Rate Disclosures

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

Rates effective as of 12/21/2024.

Rate Disclosures

1 Membership must be established for at least 90 days; checking account must be open 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.

2 $1.00 fee after eight transactions per month. ATM surcharges may apply.

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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Eligible accounts will be automatically enrolled for the service.
 

For Mobile Check Deposits, please: (1) sign (endorse) your check; and (2) write "for e-Deposit only at Market USA" below your signature. Example:

Joe Member
For e-Deposit only at Market USA

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.

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.

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

If you are at least 18, you can open a Young Adult Checking Account in Digital Banking by choosing “Quick Apply” from the Accounts menu.  For parents or guardians who want to open a checking account for teens ages 14-17, please call 301-586-3400 or stop by a Market USA branch.

Log into Digital Banking, select “Transfers” From the Transfer & Pay menu and choose the account you wish to transfer funds from. In the "To Account" field, select add an Account, then Send money to another Market USA member. Enter the recipient's name and account information. On the main Transfer page, enter amount and frequency, select Review Transfer, then submit.

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

    Learn More

  • Overdraft Protection

    Have peace of mind knowing your transactions are covered.

    Learn More

  • Round-Up and Save

    Grow your savings, one purchase at a time.

    Learn More

  • Ways to Make Deposits

    Save time with easy and convenient options.

    Learn More