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Now Offering Early Direct Deposit

Payday Just Got Better

We’re excited to introduce a new benefit for our members - Early Direct Deposit* is now available at Market USA! That means your paycheck, Social Security, or other ACH deposits may arrive up to two days sooner - automatically and at no cost to you.

There’s nothing you need to do. If we receive your deposit information early from the sender, we’ll post it early - free of charge.

What You Should Know:

  • Free & automatic – no sign-up required.
  • Faster access to your money – up to two days early.
  • Not guaranteed – timing varies by employer or sending institution.
  • Alerts available – get notified the moment your deposit hits your account. Set up alerts from the Tools menu in digital banking.
  • No change to loan payments – be sure funds are available on your scheduled payment dates.

Early deposit timing depends on when your employer or sending institution provides the deposit details - it’s not guaranteed for every deposit.

Stay in control of your finances with faster access to your funds. Use online banking or the app to check your balance, set up alerts, view your credit report, and manage your account - anytime, anywhere.

*Early Direct Deposit is a free, automatic service that may allow you to receive your direct deposit up to two days early, depending on when we receive the payment file from your employer or other payer. Early availability of funds is not guaranteed and may vary by deposit originator, timing, and other factors. Scheduled payments, including loan payments, will continue to process on their original due dates. Please ensure sufficient funds are available in your account to cover scheduled payments.


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.