Fresh Start Checking

Life happens—and sometimes that means hitting a financial bump

If you’ve had trouble qualifying for a standard checking account, Market USA is here to help you get back on track. Our Fresh Start Checking gives you the tools to manage your money confidently while rebuilding a positive checking history. Plus, it’s your stepping stone to our Everyday Checking Account.

• No minimum balance requirement
• No monthly account fees
• Get your paycheck or other ACH deposits up to 2 days sooner with Early Direct Deposit¹ 
• Access to 30,000+ surcharge-free ATMs and 5,000+ shared branches
• Digital Banking and Bill Pay
• Link your debit card to your smartphone's digital wallet for convenient one-tap and contactless purchases
• Free eStatements available – avoid the $2 mailed paper statement fee (applies to members aged 18-64)
• After your account has been open for six months, your Fresh Start Checking will upgrade to Everyday Checking, making you eligible for Mobile Check Deposit² and Privilege Pay

Direct deposit is required to open a Fresh Start Checking. If you do not have access to direct deposit, you may be eligible for our Provisional Checking account.

Contact Market USA

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Take Control of Your Finances with Our Digital Banking Tools

Our FREE digital banking tools are designed to help you save, track, and manage your money, and your credit, with ease. Stay in control with features that provide valuable insights, automation, and security—anytime, anywhere, including:

• Credit Report Monitoring and Insights – Stay informed with full access to your credit score and report, detailed insights into what impacts your score, and tips to improve your score—all without affecting your credit.
• Spending Analysis – Gain a clear picture of where your money is going and where you can save. Easily find recurring expenses to spot unused subscriptions.
• Savings Goal Tracker – Set personalized savings goals, track your progress in real time, and stay motivated with visual insights—all within digital banking.
• Recurring Transfers – Set up recurring transfers to automate your savings, pay loans on time, or move money between accounts—saving you time and ensuring your finances stay on track effortlessly.
• Card Management – Manage your debit card with enhanced security features. Turn your card on or off, set up alerts, establish transaction limits, and more.

Whether you're managing your day-to-day spending, setting savings goals, or keeping a close eye on your credit, our digital banking tools are here to support you every step of the way. Make the smart choice for your financial future and start benefiting from these powerful features now.

Enroll Today

¹Early 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

 ²For Mobile Check Deposit availability, 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..

 

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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.