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Looking for guidance? This is a great place to start.

-Our FAQs help you take the DIY approach

When you're looking for information, you want it quickly. So we've compiled the questions we receive most frequently from members to give you immediate answers. Whether you want to learn more about certain Market USA products or you need technical support, you'll find it here.

Online Banking & Mobile Banking

Visit our homepage and look for the Online Banking Login box in the upper right-hand side of the screen.

You can change your user ID or password by accessing the Settings menu within Online Banking. From there, select Login Settings to make changes as you wish. Please note that changing your display name is not the same as changing your user ID.

Your display name is the name used to welcome you and can be changed by accessing the Settings menu within Online Banking, then clicking on Settings and selecting Profile. Within the mobile app, click on the menu icon on the top left, select Profile, and click on the current display name to update.

Click on the "I forgot my user ID" or "I forgot my password" links from the login screen, and follow the prompts for resetting your password or user ID. In the Mobile App, you can select "Forgot Password" to reset your password. You cannot reset your user ID in the Mobile App.

You can update contact information in Online Banking or the Mobile App after logging in. In Online Banking, click on Settings and select Profile. From there, you can make changes to your information by clicking on the pencil icon or the green text. In the Mobile App, select Profile under Settings and Locations, then select the field you want to change. Complete your update and press "Save Changes."

Yes! Once your membership is established, you can log into Online Banking or the Mobile App and select the option to add a new Checking, Money Market, Certificate, Savings, or Club Account.

Want to change your "Vacation Club Account" to "Venice Dream Vacation?" In the Accounts Overview page in Online Banking, just click on the name of the account, and then click on the pencil to change the name as you choose.

Yes, a full featured Bill Pay service is available. You can also pay bills using our Mobile App. Our Mobile App is available from your App store. More Bill Pay Questions.

Once you place a stop payment through Online Banking, the stop payment will be in effect for six months.

All transactions are processed in "real time" so your available balance is accurate. However, if your transactions are processed after normal business hours, some transactions will not be posted until the next business day.

Send us a message through our Secure Contact Form or email

In Online Banking, select Transfers & Pay from the menu, then the account from which you are taking the funds and the account to which you will transfer the funds. Enter the amount and indicate whether you would like to send the funds one time (immediate); schedule the transfer for a future date; or set up a repeating transfer. Select Review Transfer, then Submit. To make a transfer In the Mobile App, tap Transfers at the bottom, then Make a Transfer and follow the same steps as for Online Banking.

If you choose the "one time" option, your transfer will post immediately. If you entered a "future date", your transfer will post on the date indicated. Repeating transfers will post in accordance with the frequency you indicate (i.e. biweekly; monthly; etc.).

Select Transfer & Pay from the menu and choose the account you wish to transfer funds from. In the "To Account" field, select add an Account, then Send money to another Market USA member. Enter the recipient's name and account information. On the main Transfer page, enter amount and frequency, select Review Transfer, then submit.

Yes. Select Transfers, then Make a Transfer, and follow the same steps as for Online Banking.

Yes! In Online Banking, select Transfers & Pay from the menu and follow the prompts to indicate transfer details. Select the Frequency from the drop-down box and enter your start date and end date. Select Review Transfer, then Submit. To set up a recurring transfer In the Mobile App, tap Transfers, then Make a Transfer and follow the same steps as for Online Banking.

In Online Banking, select Transfer & Pay from the menu, then Scheduled. Click on the three dots to the right of the transfer you wish to edit or remove, make your changes and select Save.

Yes, you can skip the next transfer or remove it altogether in Online Banking by selecting the three dots next to the transfer you want to change.

There is no cost for the basic service. If you use Online Banking to place a stop payment on a check, order a check copy, or reorder personal checks, then the appropriate fee would apply.

No. This function is only available via Online Banking (desktop site).

Click on "I forgot my answer" when prompted with challenge questions and follow the prompts.

In Online Banking, click on the "show hidden accounts" button in the upper left corner of the accounts overview screen. You can manage which accounts you see by using the "edit hidden accounts" tab in the upper right-hand corner of the page. In the Mobile App, all of your accounts are seen after selecting "Accounts." For member number specific functions, you will need to select "Switch Member Account" to select the member number you want to utilize for that function. This is needed for: Credit Card, Flex Pay, and Mobile Check Deposit.

Yes, with Online Banking, you have access to your account information 24 hours a day, 7 days a week.

Our system requires regular maintenance, which requires a brief period of service interruption. Please try again in a few minutes.


The current day's payoff is available through the transfer tool, by clicking on the "payoff" option within the transfer details section of the transfer screen. We are working to enhance this feature in the future, so that you can calculate payoffs as of a certain date.

Yes, you can apply for a pre-approved loan which can help you save time and money when shopping for a car. With a pre-approval, you will know how much you can afford to borrow and what interest rate you qualify for. This can give you more bargaining power when negotiating at the dealership.

Yes, you can apply for a pre-approved loan which can help you save time and money when shopping for a recreational vehicle. With a pre-approval, you will know how much you can afford to borrow and what interest rate you qualify for. This can give you more bargaining power when negotiating at the dealership.

Yes, there are no prepayment penalties

Yes, you can refinance your auto loan you have elsewhere. This is a great option if you would like to reduce your loan rate or payment or change your loan term.

Yes, you can refinance your recreational loan you have elsewhere. This is a great option if you would like to reduce your loan rate or payment or change your loan term.

Yes, you can purchase debt protection to protect your loan from the unexpected.

Fresh Start Loans are usually approved within one business day.

In Digital Banking, choose Skip a Pay on the Tools menu to check your eligibility.

You can find your due date in Online Banking by selecting your loan, then Account Details, or in the Mobile App by selecting your loan, then Show Details. Your loan due date will also be included on your statement/eStatement.

Bill Pay

We are currently experiencing issues with setting up new eBills and are working diligently to resolve this as soon as possible.

The biller's address needs to match the address our new Bill Pay service has in their system. If bills were previously sent electronically and are now being issued by check, there is most likely a discrepancy between the mailing address on file and the one required by the new Bill Pay service. Please check the mailing address of the biller and then update it if needed in Bill Pay. Once updated, your payments should change from check to electronic.

To update the address: Transfer & Pay → Bill Pay → My Payees → select bill being paid by standard check → Manage → pencil icon → review/update the address

The Bill Pay service is free to members.

Bill pay is a feature of Online & Mobile Banking. You must have access to Online or Mobile Banking and a Market USA FCU checking account to use Bill Pay.

The Bill Payer service has the following features:

  • Setup automatic or manual payments of recurring bills
  • Setup automatic payments for bills with floating balances due (i.e. phone, utility, and water, etc)
  • Set up a one time payment (i.e. magazine subscription)
  • Review upcoming scheduled payments and make necessary changes
  • Online receiving and viewing of bills from over 370 billers
  • Multiple scheduling options for one time, recurring, and electronic payments
  • Funds deducted from your account, on the date your payment is due
  • User-friendly Payment Center to manage all of your bills and payment activity from one convenient screen
  • Bill reminders will notify you when a bill needs to be scheduled or when a payment has been made
  • Calendar feature assists you with identifying the earliest available payment date

Payments can be made to any merchant, institution, or individual in the U.S., including credit card payments, utility bills and many others. NOTE: Federal, State, or Local Government agencies, collection agencies, and alimony or child support payments are permitted but are not covered by the Guarantee.

A Market USA checking account. If you do not currently have a checking account, login to Online Banking and open one today.

A payee can easily be set up online. To add a payee, select "Add a Bill" from the Payment Center Menu. Follow the prompts to input the payee's information

You may change all of the information for the payee. Including, payee name, account number, phone number, address, nickname and category.

"Start Date" in Online Banking and “Delivered By” date in the Mobile App is the date that the payment will be delivered to the merchant. Funds will be deducted from your account on this date.

The calendar feature will show you the earliest possible due date. This is the date the payee will received the payment and the date funds will be deducted from your account.

You can choose Standard Electronic, Standard Check, Rush Electronic (additional fee), and Expedited Check (additional fee).

Funds will be deducted from your account on the due date.

Yes, under the "Pending Payments" section select "Change" next to the payment you wish to change. You may change the amount, due date, or cancel the payment.

eBill registration will be available soon in Online Banking. If an eBill is available for that payee, select "Sign up for eBill" on the Payee card, then "Setup eBills". In "Begin eBill enrollment", enter the requested information, click continue to complete the registration process. When eBill registration is complete, the eBill available link displays on the Payee card.

To view an image of the check payment, select the History tab, then the transaction you want to see the image for, and select "View Check Image".

The ability to place a stop payment on an Online Bill Pay depends upon: (1) whether or not there is a reasonable time to act upon the request; (2) the payment method; and (3) whether or not a check has cleared. If you wish to place a stop payment on any payment that has already been processed, you must contact Online Bill Pay Member Service at 1-800-914-4268. Although every effort will be made to accommodate your request, the Online Bill Pay Service will have no liability for failing to do so. You may also be required to present your request in writing within fourteen (14) days. The charge for each stop payment request can be found in the current fee schedule.

You can verify that a payment has been made by reviewing the "Bill History" screen online. A paid status indicates that a payment has been sent.

You can verify that a payment has been made by reviewing the "Bill History" screen online. Proof of payment is also shown on the next bill you receive from the merchant.

If the payment is not credited after five days, call the biller's customer service. If the problem still isn't resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.

Most of the payees are set up to receive electronic payments. The database is always being updated and improved to make as many payments electronically as possible. Electronic payees receive payment information in an electronic format that automatically updates their accounts receivable system. Non-electronic merchants or individual payees receive a laser printed-paper check sent through the U.S. Postal Service.

If you have overdraft protection attached to your checking account, then yes, your overdraft protection will cover Bill Pay deductions from your checking account.

Yes, you can only pay up to $15,000 using Bill Pay.

Yes, you can enroll the account in Bill Pay even if you are joint owner.

You can contact Member Services by sending a message through digital banking or our Secure Contact Form, emailing or calling 301-586-3400.

Yes, select "Bill History" from the Payment Center menu.

If a payee is able to accept same day payments the cutoff time is 2pm EST.

If funds are not available the scheduled payment will be submitted again the following business day. Each time a payment attempt is unsuccessful, you will receive a notice. After two (2) attempts (once a day for two business days) and funds are still not available, a rejection letter will be mailed to you.


Access the Transfers & Payments menu from the side bar. In the first column, select the account from which you are taking the funds. In the second column, select the account to which you will transfer the funds. In the third column, enter the amount and indicate whether you would like to send the funds now (immediate); schedule the transfer for a future date; or set up a repeating transfer.

If you choose the "send now" option, your transfer will post immediately. If you choose the "future date" option, your transfer will post on the date indicated. Repeating transfers will post in accordance with the frequency you indicate (i.e. monthly; biweekly; etc.).

Choose the option for "Another Member" in the second column. In the third column (transfer details), indicate the account number and last name of the Market USA member to which you are transferring the funds. If you know which account type should be credited, enter the S type using a colon (i.e. if you are transferring funds to another member?s S1, you would enter S:1). If you do not know the account type, select "I don?t know the share/loan ID" option, and the funds will post to either: (1) the other member's checking account; or (2) the other member's savings account (if there is no checking available).

Payments cannot be delivered outside the United States.

Yes! Select Scheduled Transfers from the main Transfers & Send Money menu. Select "Make a transfer" and follow the prompts to indicate transfer details. Select "Repeating transfer" in the details section and select your frequency, start date and end date. Be sure to save your changes.

Select Scheduled Transfers from the main "Transfers & Send Money" menu. From there, double click on the transfer you wish to edit or remove. Of note, you may only edit and/or remove transfers that you have set up yourself. If you attempt to remove a loan transfer that was set up by Market USA, the system will allow you to go through the steps but will not actually remove the scheduled loan transfer.

Yes. You can use the steps outlined above to transfer from your Market USA account to another member's Market USA account using the Mobile App.

Hidden accounts will not be displayed among your transfer options. Try going back to the main page and clicking on "show hidden accounts". From there, you should see all of your accounts listed.

You can edit the details of your transfer so that it occurs on a different date or you can remove the transfer altogether.

Mobile Check Deposit

Mobile Deposit is an application that allows you to deposit checks right from your smart phone! Take a picture of your check and submit it. It's that easy!

Yes; accessing Mobile Check Deposit from your mobile device will require you to log into Mobile Banking using your user ID and password.

Market USA does not charge any fees for using Mobile Check Deposit. Message and data rates may apply. Contact your wireless carrier for details.

Eligible accounts will be automatically enrolled for the service.

To be eligible for Mobile Check Deposit, you must meet eligibility criteria as dictated by us, including, but not limited to: (1) having a checking account in good standing; and (2) having a properly formatted phone number and email address on file. You must also have a compatible Mobile Device.

Mobile Check Deposit is specifically formatted for iPhone® and Android® devices with photo taking functionality.

Most share accounts are available via Mobile Check Deposit (i.e. Savings, Checking, Money Market, Holiday Club, etc.). You cannot make loan payments using Mobile Check Deposit.

For Mobile Check Deposits, please: (1) sign (endorse) your check; and (2) write "for e-Deposit only at Market USA" below your signature. Example:

Joe Member
For e-Deposit only at Market USA

Log into the Mobile App to view the status of your deposit.

You can deposit up to $5,000 per day and $10,000 per rolling 30 day period.

Please retain the check for no fewer than 5 business days after the check has been posted to your account. After that, please shred the item.

You will be able to access the deposit function by logging into our Mobile App. To log into the App, use your Online Banking user name and password.

Please be sure that your check is endorsed as describe above. Also, the system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to deposit your check at a branch, shared branch, or ATM. When you review the status of your mobile deposit, the reason for rejection will be noted.

If you are using our new Online Banking, funds will credited to your account immediately after your check has been approved and accepted. Deposits made after 1:00 p.m. EST Monday-Friday may not be posted until the next business day. Standard check holds apply. Please see our Mobile Check Deposit Agreement & Funds Availability Policy for details.


e-Statements are electronic versions of your regular Market USA Federal Credit Union statement you normally receive in the mail. They are available to you much faster than paper statements. In addition you can print them or save them on your computer for future access. The information on your e-Statements will be identical to the information on your paper statements. When you sign up for e-Statements, you will no longer receive paper statements in the mail. Benefits of e-Statements include:

  • Enhanced security as confidential information is not left sitting in your mailbox or lost in someone else's mailbox subjecting you to identity theft
  • Convenience
  • Faster access than through regular mail
  • Environmentally friendly because of reduced paper usage
  • Access to 24 months of statement history

No. You can either receive paper statements or e-Statements, but not both. While you will not be receiving paper statements, the e-Statements may be printed or saved to your computer. You will also have access to two years of e-Statements.

To enroll, log into Online Banking, click on the e-Statements tab and follow the prompts to enroll.

When your e-Statement becomes available, you will receive an email directing you to log into Online banking to retrieve your e-Statement.

Log in to Online Banking to update your email address.

You can switch back to paper statement at any time. To cancel, log into Online Banking, click on the Cancel Services tab from the sidebar menu. Click continue and follow the prompts.

You will be able to view up to 24 months of statement history.

Your e-Statement will be available within the first few business days of the month.

Choose e-Statements from the main menu, then select account (if applicable), and then the e-Statement you want to view.

e-Alerts are notifications that you create, which are sent to you via email when specific events occur such as your account balance reaching a certain level or a loan payment becoming due.

To set up an e-Alert, log into Online Banking, click on the Messages and Alerts tab, select the desired account, and the click on the alert you wish to set up. Once you set up and save the details of the alert, be sure to slide the bar to the right so that you see a green bar indicating that the alert is turned on.

Yes, if your mobile device accepts text messages, you can receive SMS alerts. Standard text messaging rates apply.

No, this is another FREE benefit of your membership with Market USA.

Yes, you can choose up to two email and mobile addresses.

You will need Adobe Reader, a free software application from Adobe. This usually comes pre-installed on computers. If you don't have it installed, you can download this software for free from

In order to launch the actual statement, click on the magnifying glass, then select the down arrow to download.

There are two components to setting up a text alert. First, you must have a mobile phone number listed in the Profile tab under Settings. You must also click on the option to "use this number for text messaging." Once that is done, you must also go into the alert itself and check the box to receive the alert via text message.

Rewards Checking

During the month in which the account qualifies, the VIP Account pays a higher Annual Percentage Yield on a portion of your account balance.

View all requirements on our VIP Checking page.

The requirements remain the same regardless of when you open your account.

No, as long as you meet the stated requirements during the month, you will receive rewards for that month.

No. However, the reward rate on the VIP Checking account is paid on balances up to $15,000. Balances above that will earn the current Regular Checking account rate.

If you do not meet the stated requirements then your VIP Checking account will not earn dividends for that particular month.

You can log into Online Banking at any time to check your status by selecting VIP Rewards from the Tools menu, or in the Mobile App by tapping More, Tools, then VIP Rewards.

No. ATM transactions do not count. To meet this requirement, you must complete 15 Visa Debit Card purchases for the Platinum tier and 12 Visa Debit Card purchases for the Gold tier during the month (signature based or PIN based).

No. When you make a purchase using your Visa Debit Card, the authorization for the transaction is processed right away. However, the transaction may not actually post to your account for a few days. In other words, if you make a purchase near the end of the month, it may not post to your account until the following month. The transaction will count towards your requirement during the month in which it actually posts to your account.

If you have balances over $15,000, those funds will earn a lower APY which will make your actual APY lower than the stated premium APY for the VIP checking account.

Yes, you can open your account by logging into Online Banking or our Mobile App and clicking on "Quick Apply" from the Accounts Menu.

You may have one VIP account per primary account owner (if you have multiple member numbers, you will still be permitted to maintain only one VIP).

This can be easily done by contacting our Call Center or visiting one of our branches. During the conversion process, your ATM/Debit card access, along with any electronic debits/credits will be automatically transferred to your new account. You will also be able to use your existing supply of checks.

Yes, your checking account number will be converted and you can continue using your checks.

This information will not automatically convert. You will need to log into Online Banking to edit your Alerts for your new account.

No. Only transactions and/or direct deposits made on the newly converted account will count towards your monthly requirements.

To establish direct deposit into your Market USA account, simply provide your payroll department with your routing number (255077493) and checking account number, which is located on the bottom of your checks, as illustrated below. Your payroll department may require that you complete additional paperwork.

Check Example

Log into Digital Banking and select"Check Services" from the Tools menu. You will be navigated to the Harland Clarke website and will need a check from your previous check order to complete the process. If this is your first time placing an order, 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 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.

If you are at least 18, you can open a Young Adult Checking Account in Digital Banking by choosing “Quick Apply” from the Accounts menu.  For parents or guardians who want to open a checking account for teens ages 14-17, please call 301-586-3400 or stop by a Market USA branch.

Log into Digital Banking, select “Transfers” From the Transfer & Pay menu and choose the account you wish to transfer funds from. In the "To Account" field, select add an Account, then Send money to another Market USA member. Enter the recipient's name and account information. On the main Transfer page, enter amount and frequency, select Review Transfer, then submit.

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

What is the Credit Union Difference

Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees.

Credit unions are ruled by democracy. Each credit union member has equal ownership in the credit union and can vote for credit union board members-regardless of the amount he or she has on deposit.

Each credit union is governed by a board of directors, elected by and from the credit union's membership. Board members may serve voluntarily.

By current federal and state statutes, credit unions cannot serve the general public. People qualify for credit union membership through their location, employer, or organizational affiliations like churches or social groups.

Credit unions help members become better-educated financial services consumers. Additionally, credit unions are partnering with the National Endowment for Financial Education, a not-for-profit foundation, to expand financial education among high school students. A national study shows that just ten hours of personal finance education can positively affect students' spending and saving habits for a lifetime.

Credit unions exist to help people, not make a profit. Our goal is to serve our entire membership well, including those of modest means - every member counts. As a result, our members are fiercely loyal and they know their credit union will be there for them in bad times, as well as good. The same people-first philosophy causes credit unions and our employees to get involved in community charitable activities and worthwhile causes - just ask us.

Credit unions pay taxes - payroll taxes, sales taxes, and property taxes. In 1937, Congress exempted credit unions from federal income taxes and affirmed the exemption by statute in 1951. In addition, the Credit Union Membership Access Act of 1998 states: "Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because credit unions are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means."

Technical Support & Security

Contact our Member Service Center at 301-586-3400 or send a message using our Secure Contact Form. Please note that we are not able to reset passwords via email communication. You must contact us via phone so we can verify your indentity.

To ensure the best member experience, it is necessary that certain functions operate within a separate window. You will need to disable pop up blockers to ensure that you can access these features. Of note, the main overview page within Online Banking will remain open while accessing the additional windows. To log out, close all tabs and log out of the main Online Banking page.

The Security Word is a word or phrase that you set up. You will see this word or phrase each time you log into Online or Mobile Banking to verify that you are in fact logging into Market USA?s site or App.


You can stop by a branch or call 301-586-3400. The option to open a certificate through Digital Banking is coming soon.

You can send us a secure message through Digital Banking, email, or call 301-586-3400.

In Digital Banking, select your certificate, then Certificate Details and change your maturity preference. You can also email or call 301-586-3400.

Yes, deposits are insured up to $250,00 through NCUA, a government agency.

The penalty depends on the term of your certificate. Please see our disclosure for details.

You don’t have to do anything. The certificate is automatically set up to renew for the same term.

Yes, if you are enrolled in eDocuments, you will receive an email when your notification is available in Digital Banking. If you are not enrolled, you’ll receive a notification through the mail.

Club Accounts

You can open a club account through Digital Banking by selecting Quick Apply from the Accounts menu, contacting Member Services at 301-586-3400, or stopping by a branch.

You can transfer funds or set up automatic transfers through Online Banking or the Mobile App, or stop by a Market USA branch or CO-OP Shared Branch.

Credit Cards

Log into Digital Banking, select Credit Cards from the Accounts menu, Account Services, and choose Balance Transfer.

Log into Digital Banking, choose Alerts from the Tools menu, and select the Visa Platinum card from the drop-down box. Slide the bar to the right for the alert you want to set up so that you see a dark green bar indicating that the alert is turned on. Choose how you would like to receive your alert - by text, email, and/or push.

Log into Digital Banking, select Credit Cards from the Accounts menu, then (info to come)

Log into Digital Banking, select Credit Cards from the Accounts menu, then (info to come)

Points expire three years after you earn them.

Log into Digital Banking, select Alerts from the Tools Menu, and choose “Card” from the Alerts menu. Under the Visa Platinum graphic, you will see an option to block the card.

Report your card as soon as possible by calling the 24-hour Visa credit card member service number at 833-574-3440.

To view your credit card information and activity, please click on the Credit Card menu on the left-hand side.

If you have recently reported your card lost or stolen, your new card may not be immediately visible within Online Banking. If it has been more than 48 hours since you ordered your replacement card, please contact Member Service for additional assistance.


Welcome to the FlexPay Program! With a few easy clicks, you can extend and lower your monthly auto or personal loan payments - the entire process is completed securely on-line. You are in control and can select the term and monthly payment that fits your needs. It's simple and convenient.

An auto loan must have at least 3 months remaining with a balance of $3,000 or more. A personal loan must have at least 6 months remaining with a balance of $1,000 or more. Membership must be in good standing and the loan must be current with no delinquencies in the past 6 months.

Generally, you are eligible to use FlexPay after the first 8 months on an auto loan and 6 months on a personal loan. You can extend the term a minimum of 12 months and a maximum of 36 months. Once you change the term, you're eligible to use the program every 12 months thereafter.

No, there is no fee to use this program.

Yes. Your APR will increase and, if you make payments as scheduled, extending the term will increase the interest over the life of the loan. Remember, you can always make additional payments and/or payoff your loan early, without penalty.

Once you log into Online Banking, click on Flex Pay from the menu. Select the loan you'd like to customize and click on the Continue FlexPay button. You will be presented with a comparison screen that allows you to move a dial to select the number of months you would like to extend your loan. You can see your new monthly payment and associated savings change as you move the dial. When you're ready to select your new term and payment, just click the Extend Term button to submit the forms electronically.

Yes. Use the tools on the next page to test out and consider different payment options, without finalizing the process. Just click the Decline button to cancel the process.

Home Equity Loans

While both home equity loans and HELOCs allow homeowners to borrow against their home equity, they work differently. A home equity loan provides a lump sum of money upfront with a fixed interest rate and monthly payments. A HELOC works more like a credit card with a revolving line of credit that you can borrow from as needed, with variable interest rates and flexible repayment terms.

The interest on home equity loans may be tax-deductible if the funds are used for home improvements. Please consult your tax advisor.

You can find your due date in Online Banking by selecting your loan, then Account Details, or in the Mobile App by selecting your loan, then Show Details. Your loan due date will also be included on your statement/eStatement.

You will need verification of income, most recent mortgage statement, and proof of homeowner's insurance.

Provided we receive the required documentation in a timely manner, it typically takes two weeks, but could take longer.


A Traditional IRA allows individuals to make tax-deductible contributions, and earnings grow tax-deferred until withdrawals are made during retirement. Taxes are paid on withdrawals, typically at retirement age when the individual's tax rate is potentially lower.

A Roth IRA allows individuals to contribute after-tax income, and qualified withdrawals (including earnings) are tax-free during retirement. Contributions can be withdrawn at any time without penalty.

Yes, individuals can have multiple IRAs, including different types (Traditional, Roth, etc.). However, annual contribution limits apply collectively across all IRAs of the same type.

Withdrawals from a Traditional IRA before age 59½ may be subject to a 10% early withdrawal penalty in addition to ordinary income tax unless an exception applies. Roth IRAs have more flexibility, allowing penalty-free withdrawals of contributions (but not earnings) at any time.

Required Minimum Distributions (RMDs) from Traditional IRAs must begin by April 1st of the year following the year you turn 72 (for individuals who turned 70½ before January 1, 2020, it was 70½). Roth IRAs do not require RMDs during the account holder's lifetime.

Mobile App vs Mobile Banking vs Online Banking

  • Mobile App - an app that you have to download and install on your mobile device from your app store. Our Mobile app is available from Google Play & the App Store (Apple).
  • Mobile Banking - accessed using a mobile web browser, such as Google Chrome or Safari, that you use from your mobile device (smart phone or tablet).
  • Online Banking - accessed through an internet browser, such as Google Chrome, Internet Explorer, or Safari, that you use from your desktop computer.

Certain features are available only within Online Banking. These features include but are not limited to:

  • check withdrawals; and
  • recurring transfer creation/maintenance.

Money Market

One of the most attractive features of our Money Market Account is the liquidity of funds. Money Markets have no maturity date or term requirements. This afford you ease of access that other savings vehicles, such as Share Certificates, do not have. You are free to access funds in your account at any time.

You can transfer funds from your Money Market Account to your Market USA checking or savings account through Online Banking or our Mobile App, stop by a Market USA or shared branch, or use checks which are available upon request.

Funds are insured by NCUA up to $250,000. This means you can keep a large sum of money in your account without the risk of losing it to a market crash or an uninsured investment. It’s a great opportunity to save with confidence!

There are no monthly fees, even if your balance falls below $2,000.


Mortgage eligibility is determined by factors such as credit score, income, employment history, debt-to-income ratio, and the amount of the down payment.

Private mortgage insurance is a type of insurance that protects the lender in case the borrower defaults on the loan. It is typically required for conventional loans with a down payment of less than 20%.

Closing costs are fees associated with finalizing the mortgage loan, including lender fees, appraisal fees, title insurance, and prepaid items like property taxes and homeowners insurance. Closing costs typically range from 2% to 5% of the loan amount.

Applying for a pre-approved mortgage shows sellers and real estate agents that you are a serious and qualified buyer. A pre-approved mortgage gives you an estimate of how much you can borrow, what interest rate you can expect, and what your monthly payments will be. This can help you narrow down your home search and make a strong offer when you find the right property. Visit our Mortgage Center to apply for a pre-approval. The process should take an average of 15-20 minutes.

Pet Insurance

No. Once enrolled, the policy will renew automatically each year at your renewal.

You can make changes to your policy during your policy renewal period. All changes are subject to underwriting approval.

The renewal period starts 60 days before the policy’s current 12-month term expires. The policy’s effective date and expiration date can be found on the Declarations Page, which is included with the policy packet that is mailed to you at each new term.

You will be notified and asked to update billing information in order to keep the policy active.

Unfortunately, no. Like all pet insurers, we don’t cover pre-existing conditions on any of our plans.

Absolutely. You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.

Yes! If you want coverage for your bird, rabbit, reptile or other exotic pet, you’ll find it with Nationwide®. To enroll in the Avian & Exotic Pet Plan, please call 877-738-7874.

Veterinary experts are available 24/7 through vethelpline®, a service provided exclusively for Nationwide® pet insurance members. You can get live help with any pet health concern, including identifying urgent care needs. Please note, a vethelpline consultation is not a substitute for a visit to your primary veterinarian.


Nationwide Claims Dept.
P. O. Box 2344
Brea, CA 92822-2344



Submit claims through your Nationwide Pet Account Access page at Please allow 48 hours from the time you submit your claim for it to appear online.

Savings Accounts

You can still join Market USA through making a $5 donation to the Market USA Cares Foundation.

A $5 minimum balance is required to maintain your membership savings account.

You can set up any savings account as Overdraft Protection. Just let us know and we’ll take care of the rest.

There is no minimum balance to open or maintain the account.

There are no maintenance fees. The VIP Savings account is free.

Log into Digital Banking, select the account, and click the pencil icon.

There is no maximum. You can open as many as you want to help you save for specific goals.

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.