Direct Deposit Perks

Exclusive Member Perks

When you have a qualifying direct deposit of at least $500 per month into a Market USA Account, you may be eligible for valuable member benefits, including:

• 10 free monthly ATM transactions ($1 ATM transaction fee waived). As always – unlimited access to over 30,000 surcharge-fee ATMs¹
• Free initial check order (signature style only)
• Higher certificate rates – Earn a 0.35% premium on most Certificates with qualifying direct deposit and eStatements. It’s easy to get these preferred rates!²
• Lower loan rates – Receive a 0.50% Relationship Rewards discount on eligible auto, personal, RV & Boat, and motorcycle loans when combined with qualifying direct deposit, an active Market USA checking account, and eStatements.
• An additional 0.25% loan discount when automatic loan payments are established

1. Market USA waives its $1 ATM transaction fee for up to 10 ATM transactions per month for qualifying members. ATM owner surcharges may still apply at PLUS and Star ATMs. Members also have access to more than 30,000 nationwide surcharge-free ATMs through the CO-OP Network. Members under age 25 receive up to 10 waived ATM transaction fees each month, even without direct deposit.

2. The Certificate rate premium consists of 0.10% for eStatements and 0.25% for qualifying direct deposit, for a total premium of 0.35% on most Certificates. Certificate specials are excluded.

---

One of the Best Direct Deposit Perks: Early Direct Deposit

Eligible direct deposits³ may be available sooner than your scheduled payday through Market USA's Early Direct Deposit feature.

Early access to your funds can help you manage expenses, pay bills, and stay on track with your financial goals.

Learn more about Early Direct Deposit

³ 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.

---

Enjoy More Than Just Payday Convenience

Direct deposit is a convenient, secure way to have your paycheck, retirement benefits, or other recurring payments sent directly to your Market USA Account. By eliminating paper checks and providing faster access to funds, direct deposit helps simplify your financial life.

Whether you’re receiving a paycheck or government benefits, direct deposit offers several advantages that can save time and give you greater peace of mind. 

What is Direct Deposit?

Direct deposit is an electronic payment method that transfers money directly into your checking or savings account. Instead of receiving a paper check, funds are deposited automatically on your scheduled payment date.

Employers, government agencies, and other organizations use direct deposit to send payroll, retirement benefits, tax refunds, and other recurring payments securely.

Set up Direct Deposit Now!

---

Benefits of Direct Deposit

• Access Your Funds Quickly: Your funds are deposited directly into your account, so there’s no need to visit a branch or use mobile deposit for every paycheck.
• Safe and Secure: Direct deposit reduces the risk associated with lost, stolen, or damaged paper checks. Electronic transfers provide a secure and reliable way to receive payments.
• Enjoy Greater Convenience: Because deposits are automatic, you don't have to remember to deposit each paycheck. Your funds are available in your account without extra steps.
• Reduce Paper Clutter: Eliminate paper checks and enjoy a more efficient, paperless way to manage recurring income.
• Better Financial Management: When your paycheck is deposited automatically, it's easier to monitor balances, create budgets, and manage your finances through digital banking.

---

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.