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Market USA FCU digital banking mobile app being used on a smartphone by a woman, allowing her to manage accounts anytime, anywhere.

Digital Banking

Manage your money in minutes at any hour of the day.

Enroll Today

Enroll Today

Download on the App Store Get it on Google Play

Tap into your Market USA accounts from anywhere life takes you

Some days, we live that on-the-go lifestyle everyone talks about. Other days, we're homebodies with no desire to go outside. The ideal solution for either situation is to use Market USA's time-saving digital banking tools. Log onto your laptop or open up our mobile app, view all your account info in one place, and quickly check balances, pay bills or do anything else that needs to be done.

Financial Management

Our comprehensive suite of financial tools is designed to empower you on your journey towards financial wellness.

  • Free Credit Report Monitoring & Personalized Tips to Improve Your Credit Score: Use SavvyMoney within digital banking to access your credit score, full credit report, credit monitoring, financial tips and education. All this without impacting your credit score. Use score simulator to see how certain actions will impact your credit score.
  • Financial Checkup: Assess your financial health with our comprehensive checkup feature. Receive a personalized financial health score and tailored recommendations to achieve your financial goals.
  • Track Expenses: Categorize and monitor expenses for better budgeting for a clear overview of your spending habits. Additionally, a list of recurring expenses helps spot subscriptions you no longer use.
  • Savings Goals Tracking: Set and track goals. Visualize your progress and stay motivated with automatic transfers and deadline reminders to help you achieve your financial objectives.

Mobile App

  • Download our user-friendly app from the App Store or Google Play
  • Check balances and transfer funds
  • Review recent transactions
  • Customize your Privilege Pay (courtesy pay) and account overdraft options and make changes anytime including the ability to not participate in either service
  • Switch your direct deposit and automatic payments to Market USA
  • View your VIP Rewards Status & History to keep track of qualification for some of the highest rates around 
  • Make fast bill and loan payments
  • Send and receive money with Zelle®
  • Deposit checks from anywhere using your mobile device*
  • Receive text, email and/or push alerts that notify you of important account activity
  • Shop with ease by adding your debit or credit card to your digital wallet with Apple Pay or Google Pay.
  • Get directions to surcharge-free ATMs and shared branches
  • Set up Biometrics using face recognition or your fingerprint for easy and secure log in
  • Set up Multi-Factor Authentication
  • Send secure messages to our Member Service Center

Online Banking

  • Get real-time account balances
  • Transfer funds between credit union accounts or accounts you have elsewhere
  • Review your transaction history
  • Customize your Privilege Pay (courtesy pay) and account overdraft options and make changes anytime including the ability to not participate in either service
  • Switch your direct deposit and automatic payments to Market USA
  • View your VIP Rewards Status & History to keep track of qualification for some of the highest rates around 
  • Make easy payments with Online or Mobile Bill Pay
  • Download and print canceled checks
  • Receive alerts that notify you of important account activity
  • Get a comprehensive view of all your finances with account aggregation
  • Turn your card off or on with Card Controls
  • View your statements
  • Set up Multi-Factor Authentication
  • Send secure messages to our Member Service Center

Activate Your Card Without the Wait — No Physical Card Needed

You don’t have to wait for your card to arrive in the mail to start using it. With Digital Banking, you can view and activate your debit or credit card as soon as it’s available, giving you faster access to your funds and fewer interruptions to your everyday spending.

Whether you're a new member getting started, renewing your card, setting up recurring payments, or replacing a lost or damaged card, you can securely access your card details and begin using your card online without delay.

What This Means for You:

  • Skip the wait and start using your card for online purchases as soon as it’s available in Digital Banking.
  • Start using your card sooner for subscriptions, online purchases, and digital wallet enrollment, so you can take full advantage of your membership right away.
  • Stay connected without interruption if your card is lost, stolen, or replaced, by quickly accessing and activating your replacement card.

New cards typically appear in Digital Banking within 1–3 business days after being ordered.

How to Activate Your Card:

Activating your card is simple and can be done entirely within Digital Banking:

  1. Log in to Online Banking or Mobile App
  2. Select Card Controls
  3. Locate your card labeled “Setup Pending”
  4. Select Finish Setup, then choose Card Activation
  5. Under “I don’t have my physical card,” choose “Use Digital Card Display”
  6. Securely view your card details and retrieve your CVV
  7. Enter your CVV to complete activation

Your card is ready to use once activation is complete

To protect your account, you may be asked to complete a quick identity verification step before viewing your card details.

eStatements

  • Access eStatements through Online Banking or our App
  • Up to 2 years of statements is easily accessible
  • Receive your eStatement sooner than paper statements
  • Decrease clutter and reduce paper consumption
  • Subscribe to eStatements in Online Banking or our App
    • Online Banking: Go to Accounts & Services → eDocuments → Subscribe
    • Mobile App: Go to More → Accounts & Services → eDocuments → Settings → Subscribe

Remote Banking

  • Market USA is part of the CO-OP Shared Branch Network with over 5,000 credit union locations throughout the United States. You can conduct business on your Market USA accounts at these locations.
  • Our members also have access to over 30,000 surcharge-free ATMs through the CO-OP and Alliance One Networks (some ATMs accept deposits). 

Common Online Digital Banking Tasks 

Use the guides below to complete some of the most common tasks in Online and Mobile Banking. These step‑by‑step instructions are designed to help you manage your accounts quickly and securely.

Adding a Beneficiary

A beneficiary is the person you choose to inherit your account funds directly and easily in the future.

How to add a beneficiary

  1. Log in to Online Banking on the web or through the app
  2. Select Accounts & Services  
    1. On the web, this is located in the top menu bar
    2. In the mobile app, select “More” in the bottom right corner
  3. Choose Add Beneficiary
  4. Follow the on-screen steps to complete the process

Adding a Joint Account Holder

A joint account holder has shared access to an account. When a joint owner is added, they will be joint on all deposit accounts, with the exception of IRA and business accounts.

How to add a joint owner: 

  1. Log in to Online Banking on the web or through the app
  2. Select Accounts & Services  
    1. On the web, this is located in the top menu bar
    2. In the mobile app, select “More” in the bottom right corner
  3. Choose Add Joint
  4. Follow the on-screen steps to complete the process

Track All Your Accounts (Including Credit Card Activity) in One Place

Link your external accounts to Digital Banking to view balances, transactions, and spending activity alongside your Market USA accounts all from one convenient dashboard. This makes it easier to monitor spending, stay organized, and make more informed financial decisions.

How to set up account aggregation: 

  1. Log in to Online Banking on a desktop
  2. Navigate to Tools and select Settings
  3. Select Accounts
  4. In the top right corner, click "+ Link an external account"
  5. Choose how you would like to link an account and follow the on screen instructions
  6. Once verified, choose which accounts you want to display
  7. Confirm and your activity will appear within the Market USA dashboard 

Take Control of Your Spending and Savings

Access built-in Financial Wellness tools within Digital Banking to track your spending, set goals, and better understand your financial health. 

How to get started: 

  1. Log in to Online Banking or the Mobile App 
  2. Navigate to Financial Wellness
  3. Select Spending to view trends, categories, and recurring monthly expenses
    1. Customize your experience
      1. Choose or filter which accounts you'd like to track
      2. Update spending categories by editing individual transactions for more accurate tracking (for example: move a restaurant purchase from Miscellaneous to Dining) 
  4. Toggle over to Savings Goals to set and track your financial goals
  5. Toggle over to Financial Health to take a quick assessment and better understand your financial standing 

Direct Deposit Switch 

Direct Deposit Switch allows you to receive your paycheck or benefits automatically into your Market USA Checking account.

Log in to Digital Banking on the web or through the app

             

Select Accounts & Services, and then choose Direct Deposit Switch

Select the account where your funds will be deposited

Search for your employer

  • If your employer if not listed, search for your payroll company instead
  • If the payroll provider cannot be located in the search results:
    • Select Other payroll provider
    • Click Send form to employer
    • Select Pay Distribution type and click Next
    • Select either the option to email the form directly to the payroll department or download the form to provide manually

Select a way to sign into your payroll provider, enter your credentials, and click Sign in. (Below is an example of the following process if your payroll provider is ADP)

Choose a verification method, then select Continue

Enter the verification code and select Confirm

Enter your distribution amount or select entire paycheck

Select a verification method again, enter the verification code, and click Continue

Review the confirmation message indicating your direct deposit switch was successful

Features & Benefits

  • Alerts

  • Credit Report Monitoring

  • Easily Transfer Funds

  • eStatements

  • Free Bill Pay

  • Mobile Check Deposit

*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.

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.

View All

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

Click on the Forgot User ID or Password link from the login screen and follow the prompts

Enrolled in Digital Banking?
Mobile App: Log in to the Mobile App, select one of your accounts, and tap Account Details. Your member number will be displayed in the Account Details section.

Online Banking: Thank you for checking. While your member number is not currently available within Online Banking, it can be viewed in the Mobile App by following the steps above.

Not enrolled in Digital Banking?
Visit the Member Portal and select Existing Member? Sign In. Enter your mobile phone number and complete the verification process. If prompted, enter your Social Security Number (SSN) or Tax Identification Number (TIN) and Date of Birth to verify your identity. Once verified, select your membership. Your member number will appear in the upper-right corner of the screen. Click the eye icon to view it. 

Note: If this is your first time signing in to the Member Portal, additional verification may be required. In some cases, you may need your member number to complete the sign-in process. If you are unable to access your member number through the portal, please contact our Member Service Center at 301-586-3400 or visit a branch for assistance.

Need more assistance? 
Contact our Member Service Center at 301-586-3400 and we'll be happy to assist you with locating your member number.

After logging into Digital Banking:

  1. Select your Checking account
  2. Click “Show Details” in the top‑right corner
  3. Your account information will display, including:
    • Your checking account number, which is used for setting up direct deposit, and
    • Your Market USA account number, which is your membership number followed by your four‑digit, account‑specific number

*Please note: Your checking account number is different from your Market USA membership or account number.

In Online Banking, select Settings from the Tools menu, then the Contact tab, click on the pencil icon. In the Mobile App, tap More, Settings, Contact, then tap on your information to make changes.

Once your membership is established, you can log into Online Banking or the Mobile App and select Open Account from the Accounts & Services menu to add additional accounts.

Please contact us to open IRAs and ESAs.

Want to change your "Vacation Club Account" to "Venice Dream Vacation?" On the Dashboard in Online Banking, click on the name of the account, and then the pencil icon 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, which is available in your App store.

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.

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.

  • Bill Pay FAQs

    How to pay your bills online in a few clicks.

    Learn More

  • Mobile Wallets

    Carry your cash digitally, wherever you go.

    Learn More

  • Transfer Funds

    Enjoy the convenience of fast and secure transfers.

    Learn More

  • Ways to Make Deposits

    Save time with easy and convenient options.

    Learn More