How do I access Online Banking?
Visit marketusafcu.com and look for the Online Banking Login box in the upper right-hand side of the screen.
Are there any fees associated with Online Banking?
There is no cost for the basic service. If you use Online Banking to place a stop payment on a check, order a check copy, or reorder personal checks, then the appropriate fee would apply.
How do I change my user ID or password?
You can change your user ID or password by accessing the Settings menu within Online Banking. From there, select Login Settings to make changes as you wish. Please note that changing your display name is not the same as changing your user ID.
Can I change my user ID in the mobile app?
No. This function is only available via Online Banking (desktop site).
How do I change my display name?
Your display name is the name used to welcome you and can be changed by accessing the Settings menu within Online Banking, then clicking on Settings and selecting Profile. Within the mobile app, click on the menu icon on the top left, select Profile, and click on the current display name to update.
What if I've forgotten my user ID or password?
Click on the "I forgot my user ID" or "I forgot my password" links from the login screen, and follow the prompts for resetting your password or user ID. In the Mobile App, you can select "Forgot Password" to reset your password. You cannot reset your user ID in the Mobile App.
What if I've forgotten the answers to my Challenge Questions?
Click on "I forgot my answer" when prompted with challenge questions and follow the prompts.
How do I update my contact information?
You can update contact information in Online Banking or the Mobile App after logging in. In Online Banking, click on Settings and select Profile. From there, you can make changes to your information by clicking on the pencil icon or the green text. In the Mobile App, select Profile under Settings and Locations, then select the field you want to change. Complete your update and press "Save Changes."
Why don't I see all of my joint accounts listed?
In Online Banking, click on the "show hidden accounts" button in the upper left corner of the accounts overview screen. You can manage which accounts you see by using the "edit hidden accounts" tab in the upper right-hand corner of the page. In the Mobile App, all of your accounts are seen after selecting "Accounts." For member number specific functions, you will need to select "Switch Member Account" to select the member number you want to utilize for that function. This is needed for: Credit Card, Flex Pay, and Mobile Check Deposit.
Can I open a new account?
Yes! Once your membership is established, you can log into Online Banking or the Mobile App and select the option to add a new Checking, Money Market, Certificate, Savings, or Club Account.
How do I change the name of my account?
Want to change your "Vacation Club Account" to "Venice Dream Vacation?" In the Accounts Overview page in Online Banking, just click on the name of the account, and then click on the pencil to change the name as you choose.
Can I use Online Banking to pay my bills?
Yes, a full featured Bill Pay service is available. You can also pay bills using our Mobile App. Our Mobile App is available from your App store. More Bill Pay Questions.
Can I review my accounts at any time?
Yes, with Online Banking, you have access to your account information 24 hours a day, 7 days a week.
How soon would a stop payment take effect once I request it through Online Banking?
Once you place a stop payment through Online Banking, the stop payment will be in effect for six months.
Why do I periodically receive the message stating that the system is unavailable?
Our system requires regular maintenance, which requires a brief period of service interruption. Please try again in a few minutes.
After I make a transfer, is my balance correct?
All transactions are processed in "real time" so your available balance is accurate. However, if your transactions are processed after normal business hours, some transactions will not be posted until the next business day.
Where can I view my loan payoff?
The current day's payoff is available through the transfer tool, by clicking on the "payoff" option within the transfer details section of the transfer screen. We are working to enhance this feature in the future, so that you can calculate payoffs as of a certain date.
How do I access my credit card?
To view your credit card information and activity, please click on the Credit Card menu on the left-hand side.
Why can't I see my credit card?
If you have recently reported your card lost or stolen, your new card may not be immediately visible within Online Banking. If it has been more than 48 hours since you ordered your replacement card, please contact Member Service for additional assistance.
What is the difference with Mobile App, Mobile Banking, & Online Banking?
What is the fee for Online Bill Pay?
The Bill Pay service is free to members.
How is the Online Bill Pay service accessible to our members?
Bill pay is a feature of Online & Mobile Banking. You must have access to Online or Mobile Banking and a Market USA FCU checking account to use Bill Pay.
What can members do through Online Bill Pay?
The Bill Payer service has the following features:
Who can I pay?
Payments can be made to any merchant, institution, or individual in the U.S., including credit card payments, utility bills and many others. NOTE: Federal, State, or Local Government agencies, collection agencies, and alimony or child support payments are permitted but are not covered by the Guarantee.
What type of account is needed for Bill Pay?
A Market USA checking account. If you do not currently have a checking account, login to Online Banking and open one today.
How are payees set up?
A payee can easily be set up online. To add a payee, select "Add a Bill" from the Payment Center Menu. Follow the prompts to input the payee's information.
Once a Payee is established, what kind of information can I modify?
You may change all of the information for the payee. Including, payee name, account number, phone number, address, nickname and category.
What does "Due Date" or "Pay Date" mean?
"Due date" or "Pay Date" selection is the date that the payment is due to the merchant. Funds will be deducted from your account on this date.
How far in advance should payments be set up?
The calendar feature will show you the earliest possible due date. This is the date the payee will received the payment and the date funds will be deducted from your account.
What is the cutoff time for entering payments to be sent the same day?
If a payee is able to accept same day payments the cutoff time is 2pm EST.
When does Market USA FCU take the money out of my account?
Funds will be deducted from your account on the due date.
What happens if a payment is set up but the funds are not available at the time of a scheduled payment?
If funds are not available the scheduled payment will be submitted again the following business day. Each time a payment attempt is unsuccessful, you will receive a notice. After two (2) attempts (once a day for two business days) and funds are still not available, a rejection letter will be mailed to you.
Can I change payment amounts?
Yes, under the "Pending Payments" section select "Change" next to the payment you wish to change. You may change the amount, due date, or cancel the payment.
Can stop payments be placed?
The ability to place a stop payment on an Online Bill Pay depends upon: (1) whether or not there is a reasonable time to act upon the request; (2) the payment method; and (3) whether or not a check has cleared. If you wish to place a stop payment on any payment that has already been processed, you must contact Online Bill Pay Member Service at 1-800-914-4268. Although every effort will be made to accommodate your request, the Online Bill Pay Service will have no liability for failing to do so. You may also be required to present your request in writing within fourteen (14) days. The charge for each stop payment request can be found in the current fee schedule.
Can I view the payment history for specific payees?
Yes, select "Bill History" from the Payment Center menu
How do I know if a payment was sent?
You can verify that a payment has been made by reviewing the "Bill History" screen online. A paid status indicates that a payment has been sent.
Can a member obtain proof of payment?
You can verify that a payment has been made by reviewing the "Bill History" screen online. Proof of payment is also shown on the next bill you receive from the merchant.
What happens if Market USA FCU does not properly complete a bill payment on time or in the correct manner?
If the payment is not credited after five days, call the biller's customer service. If the problem still isn't resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.
Are all payments electronic?
Most of the payees are set up to receive electronic payments. The database is always being updated and improved to make as many payments electronically as possible. Electronic payees receive payment information in an electronic format that automatically updates their accounts receivable system. Non-electronic merchants or individual payees receive a laser printed-paper check sent through the U.S. Postal Service.
Do I have overdraft protection with the Bill Pay service?
If you have overdraft protection attached to your checking account, then yes, your overdraft protection will cover Bill Pay deductions from your checking account.
Is there a restriction on the dollar amount I can pay using Bill Pay?
Yes, you can only pay up to $15,000 using Bill Pay.
If I am accessing my joint account, can I enroll the account in Bill Pay?
Yes, you can enroll the account in Bill Pay even if you are joint owner.
How do I transfer funds to another Market USA account?
Access the Transfers & Payments menu from the side bar. In the first column, select the account from which you are taking the funds. In the second column, select the account to which you will transfer the funds. In the third column, enter the amount and indicate whether you would like to send the funds now (immediate); schedule the transfer for a future date; or set up a repeating transfer.
When will my transfer post?
If you choose the "send now" option, your transfer will post immediately. If you choose the "future date" option, your transfer will post on the date indicated. Repeating transfers will post in accordance with the frequency you indicate (i.e. monthly; biweekly; etc.).
Why aren't all of my accounts listed in the transfer options in Online Banking?
Hidden accounts will not be displayed among your transfer options. Try going back to the main page and clicking on "show hidden accounts". From there, you should see all of your accounts listed.
How do I transfer funds to another member in Online Banking?
Choose the option for "Another Member" in the second column. In the third column (transfer details), indicate the account number and last name of the Market USA member to which you are transferring the funds. If you know which account type should be credited, enter the S type using a colon (i.e. if you are transferring funds to another member?s S1, you would enter S:1). If you do not know the account type, select "I don?t know the share/loan ID" option, and the funds will post to either: (1) the other member's checking account; or (2) the other member's savings account (if there is no checking available).
Can I transfer to another member in the Mobile App?
Yes. You can use the steps outlined above to transfer from your Market USA account to another member?s Market USA account using the Mobile App.
How do I send money to another person (outside of Market USA)?
If you have a checking account, you can use Popmoney within Bill Pay to send money to just about anyone - anytime, anywhere in the US! All you need is their name, and either an e-mail address or mobile phone number to get started. The payment will be deducted directly from the sender's banking account and deposited directly into the recipient's account in as little as one business day. These transactions carry the same high level of security as online bill payments. Market USA is providing this FREE service to its members within the online Bill Pay system.
How do I access Popmoney?
Choose Bill Pay from the menu, then select What else can I do, then Popmoney.
Can I send payments outside the United States?
Payments cannot be delivered outside the United States.
What kind of payment accounts can I use with Popmoney?
You can only use payment accounts with check writing privileges. For example, checking and money market accounts are accepted, but savings accounts, credit and debit cards are not.
Will funds be deducted right away from my account?
If the recipient is already a member of Popmoney, then the funds will be debited from your account the next business day, and credited to the recipient the next business day. Recipients whose financial institution are not part of the network will be able to claim their money from The Popmoney Website, in which case your account will not be debited until the recipient claims the funds.
Are there fees associated with using Popmoney?
There is no fee to send or receive money using Popmoney.
How will I specify what type of alert they receive?
The sender of the funds will have the option to send the notification by text, email or both. The receiver of the funds does not have the option of how they would like to be notified.
What happens if I send a Popmoney payment and there is no money in the account when the ACH hits the account?
If a Popmoney payment is returned due to insufficient funds, your transaction limit is set to $0.00, and you will not be able to send Popmoney transactions. You will also incur an ACH insufficient funds fee. If you use Privilege Pay to pay a Popmoney transaction, you will incur a Privilege Pay Fee.
How long does a first-time recipient have to claim the funds?
Someone who has never registered for Popmoney before has 12 calendar days to register and claim the money. The money does not leave the sender's account until it is claimed. If the money goes unclaimed, the sender will receive an alert letting them know the payment has expired.
Who should I call If I'm having difficulty using Popmoney within Market USA's Online Bill Payment System?
Members can contact our Member Service Center:
Monday - Friday, 9:00am - 5:00 pm
memberservices@marketusafcu.com
301-586-3400
Can I set up a recurring transfer in Online Banking?
Yes! Select Scheduled Transfers from the main Transfers & Send Money menu. Select "Make a transfer" and follow the prompts to indicate transfer details. Select "Repeating transfer" in the details section and select your frequency, start date and end date. Be sure to save your changes.
How do I edit or cancel a recurring transfer in Online Banking?
Select Scheduled Transfers from the main "Transfers & Send Money" menu. From there, double click on the transfer you wish to edit or remove. Of note, you may only edit and/or remove transfers that you have set up yourself. If you attempt to remove a loan transfer that was set up by Market USA, the system will allow you to go through the steps but will not actually remove the scheduled loan transfer.
Can I skip just one transfer in a recurring transfer series?
You can edit the details of your transfer so that it occurs on a different date or you can remove the transfer altogether.
What are e-Statements?
e-Statements are electronic versions of your regular Market USA Federal Credit Union statement you normally receive in the mail. They are available to you much faster than paper statements. In addition you can print them or save them on your computer for future access. The information on your e-Statements will be identical to the information on your paper statements. When you sign up for e-Statements, you will no longer receive paper statements in the mail. Benefits of e-Statements include:
What are e-Alerts?
e-Alerts are notifications that you create, which are sent to you via email when specific events occur such as your account balance reaching a certain level or a loan payment becoming due.
Can I receive e-Alerts on my mobile device?
Yes, if your mobile device accepts text messages, you can receive SMS alerts. Standard text messaging rates apply.
Is there a fee to enroll for e-Statements or e-Alerts?
No, this is another FREE benefit of your membership with Market USA.
Can I receive paper statements as well as e-Statements?
No. You can either receive paper statements or e-Statements, but not both. While you will not be receiving paper statements, the e-Statements may be printed or saved to your computer. You will also have access to two years of e-Statements.
How Do I enroll for e-Statements?
To enroll, log into Online Banking, click on the e-Statements tab and follow the prompts to enroll.
How Do I enroll for e-Alerts?
To set up an e-Alert, log into Online Banking, click on the Messages and Alerts tab, select the desired account, and the click on the alert you wish to set up. Once you set up and save the details of the alert, be sure to slide the bar to the right so that you see a green bar indicating that the alert is turned on.
How will I know when my e-Statement is ready?
When your e-Statement becomes available, you will receive an email directing you to log into Online banking to retrieve your e-Statement.
What if my email address changes?
Log in to Online Banking to update your email address.
What if I want to cancel my e-Statements?
You can switch back to paper statement at any time. To cancel, log into Online Banking, click on the Cancel Services tab from the sidebar menu. Click continue and follow the prompts.
Can I have my e-Statement notifications sent to multiple addresses?
Yes, you can choose up to two email and mobile addresses.
Do I need software to view my e-Statements?
You will need Adobe Reader, a free software application from Adobe. This usually comes pre-installed on computers. If you don't have it installed, you can download this software for free from www.adobe.com.
How long will the e-Statements be available?
You will be able to view up to 24 months of statement history.
When will my e-Statement be available for viewing?
Your e-Statement will be available within the first few business days of the month.
When I click on the link to view my statement in Online Banking, my statement does not display?
In order to launch the actual statement, click on the magnifying glass, then select the down arrow to download.
How do I view my statement in the Mobile App?
Choose e-Statements from the main menu, then select account (if applicable), and then the e-Statement you want to view.
When I set up an alert in Online Banking, I don't see the option for text messaging.
There are two components to setting up a text alert. First, you must have a mobile phone number listed in the Profile tab under Settings. You must also click on the option to "use this number for text messaging." Once that is done, you must also go into the alert itself and check the box to receive the alert via text message.
What are the rewards for the VIP Checking Accounts?
During the month in which the account qualifies, the VIP Account pays a higher Annual Percentage Yield on a portion of your account balance.
What are the requirements that must be met to qualify for the rewards?
View all requirements on our VIP Checking page.
Will the requirements be pro-rated if I open my account later in the month?
The requirements remain the same regardless of when you open your account.
Is there a minimum balance requirement in order to receive my rewards?
No, as long as you meet the three stated requirements during the month, you will receive rewards for that month.
Is there a limit to the amount of money I can keep in my account?
No. However, the reward rate on the VIP account is paid on balances up to $15,000. Balances above that will earn the current Regular Checking account rate.
What if I do not meet the requirements for a particular month?
If you do not meet the stated requirements then your VIP account will not earn dividends for that particular month.
How can I check my qualification status during the month?
You can log into Online Banking at any time to check your status.
Do ATM transactions count towards the required number of Visa Debit Card transactions per month?
No. ATM transactions do not count. To meet this requirement, you must complete 15 Visa Debit Card purchases for the Platinum tier and 12 Visa Debit Card purchases for the Gold tier during the month (signature based or PIN based).
Do Visa Check Card authorizations count towards the required number of Visa Debit Card transactions per month?
No. When you make a purchase using your Visa Debit Card, the authorization for the transaction is processed right away. However, the transaction may not actually post to your account for a few days. In other words, if you make a purchase near the end of the month, it may not post to your account until the following month. The transaction will count towards your requirement during the month in which it actually posts to your account.
How do I enroll in e-Statements?
To enroll, log into Online Banking, click on the e-Statements tab and follow the prompts to enroll.
Why is the APY on my statement lower than the premium VIP APY?
If you have balances over $15,000, those funds will earn a lower APY which will make your actual APY lower than the stated premium APY for the VIP checking account.
Can I open my account online?
Yes, you can open your account by logging into Online Banking or our Mobile App and clicking on "New Account" on the menu.
How many VIP Checking Accounts can I have?
You may have one VIP account per primary account owner (if you have multiple member numbers, you will still be permitted to maintain only one VIP).
Can I convert my existing Checking Account to a VIP account?
This can be easily done by contacting our Call Center or visiting one of our branches. During the conversion process, your ATM/Debit card access, along with any electronic debits/credits will be automatically transferred to your new account. You will also be able to use your existing supply of checks.
Can I convert my existing to the new account online?
Yes, you can open your new VIP checking account by logging into Online Banking. If you have an existing checking account, your existing checking account will be closed and converted to this new account. If you do not wish to convert your account, you will need to contact us immediately. If you have multiple existing checking accounts, we will contact you for further instruction.
If I convert my account, how long will it take for my existing Visa Debit Card to be linked to my new VIP account?
If you opened your account in person or by phone, you will be able to access your new account after 8 p.m. on the day that you opened the account. If you open your account online, you will be able to access your new account after 8 p.m. on the next business day.
Can I use my existing checks?
Yes, your checking account number will be converted and you can continue using your checks.
If I have established e-Alerts, will these automatically transfer to my converted VIP Account?
This information will not automatically convert. You will need to log into Online Banking to edit your e-Alerts for your new account.
Once I've converted my checking account, will I be able to review account history that took place prior to the conversion?
You will be able to view your history using our transaction recall tool which is located in the drop down box within Online Banking.
Will Visa Debit Card transactions and/or direct deposits made before my account was converted count towards my monthly requirements?
No. Only transactions and/or direct deposits made on the newly converted account will count towards your monthly requirements.
Not-for-profit.
Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.
Ownership.
Credit unions are ruled by democracy. Each credit union member has equal ownership in the credit union and can vote for credit union board members-regardless of the amount he or she has on deposit.
Volunteer Boards.
Each credit union is governed by a board of directors, elected by and from the credit union's membership. Board members may serve voluntarily.
Membership Eligibility.
By current federal and state statutes, credit unions cannot serve the general public. People qualify for credit union membership through their location, employer, or organizational affiliations like churches or social groups.
Financial Education for Members.
Credit unions help members become better-educated financial services consumers. Additionally, credit unions are partnering with the National Endowment for Financial Education, a not-for-profit foundation, to expand financial education among high school students. A national study shows that just ten hours of personal finance education can positively affect students' spending and saving habits for a lifetime.
Social Purpose: People Helping People.
Credit unions exist to help people, not make a profit. Our goal is to serve our entire membership well, including those of modest means - every member counts. As a result, our members are fiercely loyal and they know their credit union will be there for them in bad times, as well as good. The same people-first philosophy causes credit unions and our employees to get involved in community charitable activities and worthwhile causes - just ask us.
Taxation.
Credit unions pay taxes - payroll taxes, sales taxes, and property taxes. In 1937, Congress exempted credit unions from federal income taxes and affirmed the exemption by statute in 1951. In addition, the Credit Union Membership Access Act of 1998 states: "Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means."
What is Mobile Check Deposit?
Mobile Deposit is an application that allows you to deposit checks right from your smart phone! Take a picture of your check and submit it. It's that easy!
What is my Login ID and Password?
You will be able to access the deposit function by logging into our Mobile App. To log into the App, use your Online Banking user name and password.
Is Mobile Check Deposit safe?
Yes; accessing Mobile Check Deposit from your mobile device will require you to log into Mobile Banking using your user ID and password.
Is there a fee for Mobile Check Deposit?
Market USA does not charge any fees for using Mobile Check Deposit. Message and data rates may apply. Contact your wireless carrier for details.
How do I enroll in Mobile Check Deposit?
Eligible accounts will be automatically enrolled for the service.
What are the eligibility requirements for Mobile Check Deposit?
To be eligible for Mobile Check Deposit, you must meet eligibility criteria as dictated by us, including, but not limited to: (1) having a checking account in good standing; and (2) having a properly formatted phone number and email address on file. You must also have a compatible Mobile Device.
What is a compatible device?
Mobile Check Deposit is specifically formatted for iPhone® and Android® devices with photo taking functionality.
Can I deposit my check into any account?
Most share accounts are available via Mobile Check Deposit (i.e. Savings, Checking, Money Market, Holiday Club, etc.). You cannot make loan payments using Mobile Check Deposit.
How do I endorse my check when I am depositing it via Mobile Check Deposit?
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
How do I check the status of my deposit?
Log into the Mobile App to view the status of your deposit.
Why isn't my check being accepted?
Please be sure that your check is endorsed as describe above. Also, the system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to deposit your check at a branch, shared branch, or ATM. When you review the status of your mobile deposit, the reason for rejection will be noted.
When will my deposit be available?
If you are using our new Online Banking, funds will credited to your account immediately after your check has been approved and accepted. Deposits made after 1:00 p.m. EST Monday-Friday may not be posted until the next business day. Standard check holds apply. Please see our Mobile Check Deposit Agreement & Funds Availability Policy for details.
How much can I deposit?
You can deposit up to $5,000 per day and $10,000 per rolling 30 day period.
What do I do with the check once I've deposited it?
Please retain the check for no fewer than 5 business days after the check has been posted to your account. After that, please shred the item.
What is FlexPay?
Welcome to the FlexPay Program! With a few easy clicks, you can extend and lower your monthly auto or personal loan payments - the entire process is completed securely on-line. You are in control and can select the term and monthly payment that fits your needs. It's simple and convenient.
Which loans are eligible?
An auto loan must have at least 3 months remaining with a balance of $3,000 or more. A personal loan must have at least 6 months remaining with a balance of $1,000 or more. Membership must be in good standing and the loan must be current with no delinquencies in the past 6 months.
When am I eligible to use the FlexPay program?
Generally, you are eligible to use FlexPay after the first 8 months on an auto loan and 6 months on a personal loan. You can extend the term a minimum of 12 months and a maximum of 36 months. Once you change the term, you're eligible to use the program every 12 months thereafter.
Is there a fee to extend the term of my loan?
No, there is no fee to use this program.
Will I pay more interest over time by using FlexPay?
Yes. Your APR will increase and, if you make payments as scheduled, extending the term will increase the interest over the life of the loan. Remember, you can always make additional payments and/or payoff your loan early, without penalty.
How do I extend my term?
Once you log into Online Banking, click on Flex Pay from the menu. Select the loan you'd like to customize and click on the Continue FlexPay button. You will be presented with a comparison screen that allows you to move a dial to select the number of months you would like to extend your loan. You can see your new monthly payment and associated savings change as you move the dial. When you're ready to select your new term and payment, just click the Extend Term button to submit the forms electronically.
Is there a way to "try out" the tool without making a change?
Yes. Use the tools on the next page to test out and consider different payment options, without finalizing the process. Just click the Decline button to cancel the process.
Why do certain features open in a new tab?
To ensure the best member experience, it is necessary that certain functions operate within a separate window. You will need to disable pop up blockers to ensure that you can access these features. Of note, the main overview page within Online Banking will remain open while accessing the additional windows. To log out, close all tabs and log out of the main Online Banking page.
What is the Security Word?
The Security Word is a word or phrase that you set up. You will see this word or phrase each time you log into Online or Mobile Banking to verify that you are in fact logging into Market USA?s site or App.
How can I get help if I am having trouble logging into my account?
Contact our Member Service Center at 301-586-3400 or send a message using our Secure Contact Form. Please note that we are not able to reset passwords via email communication. You must contact us via phone so we can verify your indentity.
