High-Rate VIP Checking

Platinum Tier: Earn 4.50% APY1

Gold Tier: Earn 2.01% APY1

Enjoy all the benefits of our free Regular Checking account, PLUS, earn one of the highest yields available nationwide with our High-Rate VIP Checking account!

Simply meet the following easy requirements to earn a great rate on your balance up to $15,000.

If you don't meet the requirements for the high APY, you still have a great free checking account!

All Checking Accounts Offer:

Mobile App with Mobile Check Deposit, Online Banking with transfers in and out of Market USA, card controls, and more!

NO monthly maintenance fee or per check charges

Contactless Visa Debit Card

No minimum balance to open

Access to 30,000 surcharge-free ATMs

Mobile Wallets: Apple Pay and Google Pay

Overdraft protection options

Plus, all members have access to:

If you already have a Regular Checking Account with us, contact us to convert your Regular Checking to a VIP Checking Account.

If you are not yet a member, it's easy to join online - See Product Links.

Switching your account is simple! Move your direct deposits and automatic payments to Market USA with ClickSWITCH.

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

Eight(8) free monthly transactions
if you have direct deposit of $500+ or for all members under the age of 25 (ATM surcharges may apply; $1 ATM transaction fee after the 8 free)

No monthly maintenance fees or per-check charges

Access to nearly 30,000 surcharge-free CO-OP and Alliance One Network ATMs nationwide

High-Rate VIP Savings

With a VIP Checking Account, you're also eligible to open our high-rate VIP Savings Account!

High-Rate VIP Savings Account
APY Balance APY Dividends Compounded/Credited
$.01 2.50% Monthly/Monthly
2Requirements to earn VIP Savings APY: (1) an active VIP Checking account; (2) qualifications met for the VIP Checking Gold or Platinum tier. APY applies to balances up to $25,000; balances above $25,000 will earn the top tier main share savings rate. If VIP Checking criteria is not met, rate earned will be the bottom tier main share savings rate.
Rate Disclosures   View All Rates

Maximize your savings today! Open a VIP Checking and Savings account by logging into Online Banking or our Mobile App and clicking on "New Account", calling 301-586-3400 or stopping by a branch.

1 Requirements to Earn APY:

  1. Enrollment in e-Statements;
  2. Monthly Direct Deposit of at least $500 (VIP); direct deposit from a single source can not be used to meet the requirement for multiple accounts;
  3. 15 Visa Debit Card purchases per month for Platinum tier; 12 Visa Debit Card purchases per month for Gold tier; minimum purchase $5.00; purchases must be posted to the account by close of business on the last business day of the month; purchases made at the end of the month may not post until the following month, depending on the merchant, and will not count towards the previous month's qualifications; purchase returns will reduce your number of transactions; multiple transactions of the same amount, on the same day, may cause your transactions to post manually, which will not count towards the qualification limits


  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.