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  Market USA Federal Credit Union VIP Free Checking

Market USA Federal Credit Union VIP Free Checking

in Checking Accounts from Market USA

Unaffiliated

Market USA Federal Credit Union 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.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.01% - 3.01%

Market USA Federal Credit Union VIP Free Checking Review

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

Key Takeaways
  • Very high 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 a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Up to $8 in ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
  • Bill pay. Pay your bills to practically anyone in the United States through Market USA.
  • Hard credit pull. Market USA may require a hard pull on your credit report to open a checking account.
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-interest yield.
  • Deposits are insured by the NCUA (up to $250K).
  • 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 Federal Credit Union VIP checking Account Minimums
Description Amount
Minimum Opening Deposit $0
APY Minimum Balance $0.01
Minimum Direct Deposit to Avoid Monthly Service Fee $500

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 Federal Credit Union VIP Free Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $8
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
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
ATM Fee: Out-of-Network $1

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 fee.

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

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks 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.

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.

Contact

  • Headquarters
  •   8871 Gorman Rd
    Suite 100
    Laurel, MD 20723
  •   Visit Site

About Market USA Federal Credit Union 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

APY Minimum Balance $0.01
Minimum Direct Deposit to Avoid Monthly Fee $500
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $8
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $5
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 (Outgoing) $10
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $1
Bank 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
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.01% - 3.01%

Market USA Federal Credit Union 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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