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  Market USA FCU VIP Free Checking
Market USA FCU VIP Free Checking
in Checking Accounts from Market USA
Unaffiliated

Market USA FCU VIP Free Checking

Unaffiliated
in Checking Accounts from Market USA
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01% - 3.01%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Market USA FCU VIP Free Checking Review

Market USA FCU VIP Free Checking is offered by Market USA, a credit union founded in 1953 and based in Laurel, MD. Market USA FCU VIP Free Checking is available in 8 states (and Washington, DC).

Key Takeaways

  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.01%, which is much higher than the average for a checking account. However, you must keep a minimum balance of $0.01.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • Up to $8 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Market USA.

Market USA Federal Credit Union VIP checking Pros & Cons

Pros Cons
  • Free Visa Check card with Cash back
  • No minimum balance fees
  • No monthly service fee
  • High variable APY.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 8 states.
  • Charges a fee on out-of-network ATM transactions.

Market USA Federal Credit Union VIP checking FAQ

Are checking accounts from Market USA federally insured?

No, your Market USA checking accounts are not insured by a federal insurance agency. This means that if Market USA were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What APY does Market USA Federal Credit Union VIP checking offer?

Market USA Federal Credit Union VIP checking offers an APY starting at 0.01% and ranging up to 3.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $0.01.

Market USA Federal Credit Union VIP checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 3.01%

What are the account minimums for Market USA Federal Credit Union VIP checking?

Market USA Federal Credit Union VIP checking does not require a minimum initial deposit.

Market USA FCU VIP Free Checking Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Minimum Balance to Earn APY $0.01

What fees does Market USA Federal Credit Union VIP checking charge?

The good news is that this account does not have a monthly Service Charge.

Market USA FCU VIP Free Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $29
Overdraft Item Fee $29
Returned Deposit Fee (Domestic) $10
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $35
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $5

Does Market USA Federal Credit Union VIP checking charge overdraft fees?

Yes, Market USA Federal Credit Union VIP checking charges a $29 fee for every overdraft.

What features and perks does Market USA Federal Credit Union VIP checking offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $8.
  • Fraud monitoring - Market USA Federal Credit Union VIP checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Market USA Federal Credit Union VIP checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Market USA Federal Credit Union VIP checking?

The customer support email for Market USA Federal Credit Union VIP checking is memberservices@marketusafcu.com.

How do people rate the customer service and user experience of Market USA Federal Credit Union VIP checking?

Overall, Market USA Federal Credit Union VIP checking is strongly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Market USA Federal Credit Union VIP checking

Everything you want in a checking account, PLUS earn a high-yield Rate! Enjoy all the benefits of our Direct Deposit Checking account, PLUS, earn an awesome high yield rate with our VIP Checking account! Simply meet the easy requirements to earn a higher dividend rate on your balance up to $15,000. All of our checking accounts offer a Mobile App with Mobile Check Deposit1 and Bill Pay, Online Banking with transfer of funds in and out of Market USA, and a Visa Check Card with Cash Back - All for Free! Plus, all of our checking accounts have NO minimum balance fees and NO per check charges. You can also enjoy access to 30,000 surcharge-free ATMs, a network of 5,000 Shared Branches nationwide plus our three branches, overdraft protection options and our Member Service Center (you can text, call, email or secure message us inside our Mobile App or on our website).

Contact

About Market USA FCU VIP Free Checking

Availability

  Available in 8 states and Washington, D.C.
  • Washington, DC
  • Georgia
  • Maryland
  • North Carolina
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Virginia
  • West Virginia

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Minimum Balance to Earn APY $0.01
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $29
Overdraft Item Fee $29
Returned Deposit Fee (Domestic) $10
Stop Payment Fee $29
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $35
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.01% - 3.01%

Market USA FCU VIP Free Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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