Fresh Start Checking

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

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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.

Enroll Today

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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.