Elements of Money

Special program combines checking account and online education

They sure grow up fast. Before long, teens move into the adult world, where they'll need to manage expenses, set a budget, use a credit card and handle other money matters. The best preparation? Let them learn about - and practice - these skills while parents can still keep an eye on things. At Market USA, our Elements of Money program combines practical experience with a teen-oriented website.

• Low minimum opening deposit of $5
• Designed for young people ages 13-17 (a parent or guardian age 18 or over must be a joint owner)
• Option to open a Young Adult Checking Account with no minimum balance or monthly fees
•  Mobile App with Mobile Check Deposit, Online Banking, card controls and more
• Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches
• Eight free foreign (non-Market USA) ATM transactions per month¹ with a Young Adult Checking Account
• Access to 12-Month Accumulator Share Certificates with low $100 minimum opening deposit and the ability to make future deposits of $25 or more (up to a $1,000 maximum balance)
• College scholarship opportunities
• Educational website with informational articles, podcasts and fun activities
• Quarterly teen newsletter with helpful tips on saving, spending, investing and more

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¹$1.00 fee after eight transactions per month. ATM surcharges may apply.

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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.