Free Checking Accounts

To set up direct deposit into your Market USA account, provide your employer or payroll department with your routing number (255077493) and checking account number. You can find your account number in Digital Banking by selecting your checking account and viewing the account details.

To easily switch your direct deposit, log into Digital Banking and select Accounts & Services, then choose Direct Deposit Switch and follow the on-screen instructions.

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

Privilege Pay saves you the extra hassles of dealing with a denied transaction by covering checks, ACHs and bill payments for eligible accounts when you do not have sufficient funds in your checking account1. If you choose to use Privilege Pay for an emergency need, we suggest writing a single check for the funds you need, in order to minimize the fees that you incur. There is a $29 fee per transaction. This service will automatically be added to eligible checking accounts (not everyone will qualify). If you would like Privilege Pay to also cover every day ATM/debit card transactions or prefer not to have any Privilege Pay coverage, log into Digital Banking, choose “Privilege Pay” from the “Tools” menu, and select your preferences.

We offer additional overdraft protection services such as overdraft lines of credit and automatic transfers from other accounts, which may be a less expensive alternative to Privilege Pay. Contact us at 301-586-3400 or memberservices@marketusafcu.com for details. If you have an existing overdraft protection from your savings account and/or overdraft line of credit, we will access those funds for payment prior to utilizing Privilege Pay.

There is no minimum to open any of our checking accounts.