Market Center

You're Invited to Our Annual Meeting

When: Friday, April 26, 2024
5:30 pm: Light Refreshments
5:45 pm: Business Meeting
Where: Market USA FCU
8871 Gorman Rd, Suite 100
Laurel, MD 20723

Exclusive Member Discounts on Tax Prep Services

This tax season you can now get the biggest savings on tax prep services and expert tax help. Plus, as a Market USA member you can enter for a chance to win $10,000 in the Love My Credit Union® Rewards Tax Time Sweepstakes.

TurboTax - Get a bigger discount this tax season with savings of up to 20% on TurboTax federal products. Hand off your taxes, get help from experts or file on your own - with TurboTax, America's #1 tax preparation provider. Get started with TurboTax today!

H&R Block - Get expert tax help and the best-in-market savings up to $25 on H&R Block professional tax prep. Get your taxes done by a tax pro in an office, via video, or by phone - with H&R Block, experience counts. Get your H&R Block coupon now and save!

Visit https://taxservices.lovemycreditunion.org for offer details and disclaimers.

Enter to Win a $1,000 Scholarship!

Are you headed off to college or trade school in 2024? The $12,000 Credit Union College Scholarship Program is now accepting applications! College-bound members are eligible to apply for one of ten $1,000 essay-based scholarships and/or one of two $1,000 video-based scholarships. And yes, you may apply in both categories.

This year's essay topic: Explain the good habits you've developed for creating a sound financial future for you and your family. Additionally explain how your relationship with your credit union enhances or helps you establish or maintain those habits.

This year's video topic: Create a 60-second video depicting one or more good habits for making sound financial decisions and how your relationship with your credit union has helped to establish, enhance or maintain those habits.

Deadline for applications is April 15, 2024. Scholarship winners will be announced in June 2024. Any member of Market USA entering their freshmen through senior year of college or trade school may apply. Applications are accepted online at cufound.org/scholarship. Market USA, the Credit Union Foundation MD|DC, and its generous supporters cooperate to make this scholarship program possible.

We're Taking Your Digital Banking Experience With Us to New Heights!

Exciting changes are coming!

As part of our ongoing commitment to providing you with the best financial services and modern banking solutions, we will be upgrading our systems to include new digital banking, a new statement design, and other enhancements - coming in February 2024!!

It's Important That We Have Your Correct Contact Information
Please log into Online Banking or our Mobile App, and choose Settings from the menu, then Profile to review your contact information and make any updates, if needed. This will ensure you will be kept informed about our new features and important account-related information, in addition to being able to access our upgraded platform.

We understand the increasing importance of digital banking in our fast-paced world, and our new platform will bring a variety of new features, making banking with us even more seamless and user-friendly. It's designed with your best interests in mind and will significantly elevate your overall banking experience with us.

Rest assured, our commitment is to make this transition as effortless as possible for you. Stay tuned for more updates and get ready to embark on a new era of banking.

New T-Mobile Member Benefit Now Available

As a Market USA member, you'll receive $50 for each new line you activate through Love My Credit Union Rewards. Plus, as a T-Mobile customer, you get to experience America's largest and fastest 5G network and you can enjoy amazing benefits available to Go5G Plus, and Go5G Next plans:

Enjoy Netflix, AppleTV+, travel benefits like in-flight Wi-Fi where available, and more - all available with most T-Mobile Go5G Plus and Go5G Next plans.
Experience the power of America's largest and fastest 5G network.
Save even more if you're active-duty military, a veteran, a first responder, or age 55 and up.

Call 877-520-1160 or schedule an appointment to speak with a Mobile Expert to get this offer.

$50 after rebate via virtual prepaid card when you port-in a new voice line on a qualifying plan.

New Security for Your Debit and Credit Cards

We've launched 3D Secure, a new layer of security for our debit and credit cards to protect your online transactions. With 3D Secure, one-time passcodes are sent to your mobile phone to help us make sure your transactions belong to you. It is designed to help protect cardholders from fraudulent transactions by verifying the identity of the cardholder before a payment can be approved.

One-time passcodes will not apply to most transactions, so don't be alarmed if you don't receive a request. But also, don't be alarmed if you do: This extra authentication step is just a sign that our security measures are working to keep your accounts safe.

How it works: A passcode request will pop up during online transactions when our system detects the need for additional security. If you receive a request, check your mobile phone for a text containing the passcode, then enter it where prompted online.

If you have any questions, please send us a message using our Secure Form or through our Mobile App/Online Banking.

Your Deposits Are Safe

As a valued member of Market USA, we want to make sure you know that your deposits are safe and secure with us.

Market USA is extremely well capitalized - much higher than most other credit unions and banks in the United States. In ranking, we are in the top 8%*.

Market USA has very few low-rate long-term investments (less than 2.7% of capital)

Market USA is one of the safest financial institutions in the country

Deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per type of account ownership. Visit MyCreditUnion.gov/share-insurance for more information. If you have over $250,000 on deposit with us, contact us to see if different account titling can be used to increase your coverage (like adding a different beneficiary or joint owner).

capitaltoassests

Make a worry free investment today by opening a certificate with us.

*Based on Data as of 12/31/22 for all banks and credit unions in the United States.

Transfer Funds From Another Financial Institution Through Our App or Online Banking

Online Banking or our Mobile App
You can easily transfer funds between your Market USA accounts and accounts you have elsewhere ($5,000 per day, $15,000 per month). To set up transfers, you will need your other institution's bank account number and routing number. There is no cost to transfer funds.

Online Banking
Log into Online Banking.
Choose Transfers and Send Money from the menu
If you have not previously set up an external account, you will need to click on the External Transfers tab to Add a New Payee.
From there, you will be prompted to enter the account information for your external (non-Market USA) account; finally, you will select Link Account.
To verify that the external account is yours, Market USA will make two small deposits into the external account within 2 - 3 business days. Once you see these deposits go through on your external account, you will need to return to Transfers and Send Money to verify the two small deposit amounts in order to use this account for transfers.
Once your external account has been set up, it will be available in the list of accounts when processing a transfer.
External transfers can take up to 3 days to process.

Mobile App
Log into the Mobile App.
Tap Transfer from the menu.
If you have not previously set up an external account, you will first need to choose External Transfer Accounts from the menu.
Tap the + sign next to External Accounts.
From there, you will be prompted to enter the account information for your external (non-Market USA) account; finally, you will select Link Account.
To verify that the external account is yours, Market USA will make two small deposits into the external account within 2 - 3 business days. Once you see these deposits go through on your external account, you will need to return to External Transfer Accounts, tap the external account, then confirm recipient to verify the two small deposit amounts in order to use this account for transfers.
Once your external account has been set up, it will be available in the list of accounts when processing a transfer. External transfers can take up to 3 days to process.

Wire Transfers
If you would like to transfer a higher amount, you can wire money from your other financial institution to your Market USA account. There is no cost for incoming wire transfers.

For wires coming into your Market USA account, you will need to provide your other financial institution with the following:

Beneficiary	Market USA FCU 8871 Gorman Rd, #100 Laurel, MD 20723 ABA Routing Number: 255077493
Receiving Bank	Member Name Member Number for wires into your savings account or checking number on bottom of checks to go into your checking account Member Address
Special Instructions	Any special instructions you have if applicable

Stay in Control of Your Finances with e-Alerts

e-Alerts keep you in the know about account information that's important to you. You can set up text and/or email notifications regarding your account security and activity.

Login and Security Alerts

Receive notifications when a secure message has been sent to you, your contact or login credentials have changed, or a password has been reset. To set up these alerts in Online Banking, select Messages & e-Alerts from the menu, then Manage Alerts. To set up alerts in the Mobile App, select Manage Alerts from the menu.

Transaction Alerts

Receive notifications on direct deposits, automatic withdrawals, insufficient funds, Privilege Pay, debit card transactions, low balance notifications, and more. You must be enrolled in e-Statements to access transaction alerts. To set up these alerts in Online Banking, select e-Statements from the menu, then Alerts, Manage Alerts. To set up alerts in the Mobile App, select e-Statements from the menu, then Notifications, Alerts, Manage Alerts.

7 Ways to Avoid Getting "Skimmed" at the Gas Pump Brought to you by KOFE

Take these steps to foil criminals after your credit or debit card data when you fill up.

The national average gas price was $4.77 a gallon as of the first week of July, according to AAA. Depending on how big your vehicle's gas tank is, you're already paying what may seem like a fortune at the pump. But what if you had to pay even more, straight from your bank account or credit card, thanks to criminals attaching credit and debit card skimmers to the payment terminal?

Skimming can happen if you pay with a credit or debit card at a gas pump that has an illegal skimmer, a card reader that steals data from your card's magnetic strip. Gas pump pay terminals aren't the only place you may encounter a skimmer, either. Criminals also attach card skimmers to ATMs and other types of point-of-sale (POS) terminals, too.

Skimmers at gas pumps, ATMs, and POS terminals cost consumers and financial institutions more than $1 billion each year, according to the FBI.

Once thieves steal your card's data, they either sell the stolen data to other criminals or use your credit card number to make fraudulent purchases. If you don't check your bank or credit card account regularly, you probably won't even know that your card number has been stolen or used for fraudulent transactions.

Worried you could become a skimmer's next target?

Below are seven ways to help protect your credit or debit card data from criminals eager to swipe those numbers when you use your card to fill the tank.

1. Inspect the Fuel Payment Panel
It's easy to miss signs that a card skimmer is waiting to steal your data. That's because skimmers are often (but not always) attached to the wiring inside the pump, according to the FBI. That doesn't mean you won't see signs of tampering if the skimmer is attached outside, though. For example, many gas stations place a security seal that looks like a piece of tape over the payment panel. If someone has opened the panel to install a card reader in the wiring, the tape will display "void," according to the Federal Trade Commission (FTC).
2. Look Closely at the Card Reader
Before you swipe your card at the pump, take a minute to compare the card reader to the ones on the other gas pumps. Is it identical, or does it look different in some way? Maybe it sticks out further than the rest, for example. The FTC recommends trying to wiggle the card reader before using it. "If it moves, report it to the attendant," advises the FTC. "Then use a different pump." Even with these measures, however, you won't be able to detect an internal card skimmer.
3. Use the Chip Reader Instead
When you insert your credit or debit card into the chip reader, your credit card number is more secure from being skimmed. "In the U.S., there are fewer devices that steal chip data vs. magnetic strip data," according to the FBI.
But even this method may not protect your card's data. That's because when you insert a chip card, you could become a victim of "shimming," where criminals insert a thin device called a shim into the card reader where you insert your chip-enabled card to clone the data on the magnetic strip.
At this point, shimming can't clone the three-digit CVV security code on the back of the card, so criminals may find it more difficult to use your card to make fraudulent purchases, according to major credit bureau Experian.
4. Use a Pump Near the Entrance
When choosing a gas pump, use one that's close to the gas station entrance rather than one toward the back of the lot. "Choose a fuel pump that is closer to the store and in direct view of the attendant," advises the FBI. "These pumps are less likely to be targets for skimmers."
5. Pay with a Credit Card
If you pay for gas with a credit card and the card's data is stolen for fraudulent transactions, federal law limits your liability to $50. Most credit card companies go further with a zero-liability policy when the card is used for fraud.
When you pay with a debit card, you won't have that same liability protection, and fraudulent purchases with the debit card are deducted directly from your checking account. Even worse, if someone gains access to the PIN you enter, they also have access to your cash.
6. Pay with Mobile Wallets
If it's an option, pay with mobile payment options such as Google Pay, Apple pay or similar mobile wallets, advises Experian. That way, your credit or debit card gets nowhere near a card skimmer.
7. Pay Inside
We all love the convenience of paying with a credit card at the pump. But if you don't want to risk unwittingly handing over credit or debit card numbers to criminals via a card skimmer, the best protection is to trudge up to the station door, wait in line and pay the cashier.
While there is less chance that someone installed a skimmer or shim to the POS terminal inside, there's still some risk when you use your card. The only foolproof way to not get shimmed or skimmed is to pay cash (or using a mobile payment system) when you fill the tank.

For more financial education information visit your KOFE Portal.

Save on TurboTax® and H&R Block® This Tax Season

Get the tax help you need and special member savings with TurboTax and H&R Block.

TurboTax - File with the #1 best-selling tax software, to help you get your taxes done right, and get your maximum refund, guaranteed. PLUS, as a credit union member you can save up to $15 when you file with TurboTax. Get started with TurboTax today!
H&R Block - Whether you want to meet with a tax pro in-office, via drop off, or send your documents virtually, let the tax pros do the rest. H&R Block will always get your biggest possible refund, guaranteed. PLUS, as a credit union member, first-time filers receive $25 off their expert tax prep, and returning customers get the Tax Identity Shield® add-on. Get your H&R Block coupon now and save!

Savings Made Simple!

We are now offering an easy way to build your savings while using your Market USA Checking Account! With our new Round-Up and Save Program, your debit card purchases are rounded up to the nearest dollar, and the difference is deposited into your Savings, Holiday Club, Vacation Club, or Money Market Account, your choice! This includes your joint accounts as well. The change from each purchase is accumulated into one amount and transferred daily to the account you choose.

To enroll in Round-Up and Save, use our Secure Contact Form, email memberservices@marketusafcu.com or call 301-586-3400.

Market USA Earns Great Place to Work Certification™ for the 4th Consecutive Year

Market USA is proud to be Certified™ by Great Place to Work® for the fourth consecutive year. The prestigious award is based entirely on what current employees say about their experience working at Market USA.

Great Place to Work® is the global authority on workplace culture, employee experience, and the leadership behaviors proven to deliver market-leading revenue, employee retention and increased innovation.

"Great Place to Work Certification™ isn't something that comes easily - it takes ongoing dedication to the employee experience," said Sarah Lewis-Kulin, vice president of global recognition at Great Place to Work. "It's the only official recognition determined by employees' real-time reports of their company culture. Earning this designation means that Market USA is one of the best companies to work for in the country."

"We are thrilled to once again become Great Place to Work-Certified™ as we consider employee experience a top priority every day," said Laura Hassan, President & CEO. "We owe our continued success to our team of dedicated associates at Market USA. We celebrate and thank them for all they do to earn this incredible recognition."

According to Great Place to Work research, job seekers are 4.5 times more likely to find a great boss at a Certified great workplace. Additionally, employees at Certified workplaces are 93% more likely to look forward to coming to work and are twice as likely to be paid fairly and have a fair chance at promotion.

About Great Place to Work Certification™

Great Place to Work® Certification™ is the most definitive "employer-of-choice" recognition that companies aspire to achieve. It is the only recognition based entirely on what employees report about their workplace experience - specifically, how consistently they experience a high-trust workplace. Great Place to Work Certification is recognized worldwide by employees and employers alike and is the global benchmark for identifying and recognizing outstanding employee experience. Every year, more than 10,000 companies across 60 countries apply to get Great Place to Work-Certified.

About Great Place to Work®

Great Place to Work® is the global authority on workplace culture. Since 1992, they have surveyed more than 100 million employees worldwide and used those deep insights to define what makes a great workplace: trust. Their employee survey platform empowers leaders with the feedback, real-time reporting and insights they need to make data-driven people decisions. Everything they do is driven by the mission to build a better world by helping every organization become a great place to work For All™.

Learn more at greatplacetowork.com and on LinkedIn, Twitter, Facebook and Instagram.

Free ATM Transactions for Members Under Age 25

Great news! Members under the age of 25 with a Market USA checking account are eligible for eight free ATM transactions at CO-OP, Alliance One, PLUS®, and Star® networks! The fee after eight is $1.00 per transaction; however, keep in mind that ATM surcharges may also apply. To avoid the surcharge, you can visit any ATM in the CO-OP network. Find an ATM near you.

Once you turn 25, you can continue to receive this benefit with a monthly direct deposit of at least $500.

Additional perks of your Market USA checking account include:
No minimum balance requirement
Dividends on average daily balances of $1,000 or more
Over 5,000 shared branches (access your Market USA checking account at any of them)
Deposit checks 24/7 with Mobile Check Deposit*
Online and Mobile Banking
Free unlimited online and mobile Bill Pay
Pay anyone, anywhere with Popmoney (available in Bill Pay)
e-Statements and e-Alerts

Questions? Contact our Member Service Center at 301-586-3400 or through our Secure Contact Form.

* Membership must be established for at least 90 days; checking account must be open for at least 30 days; account must be in good standing; primary account holder must be at least 13 years of age. Additional restrictions apply. Visit our Mobile Deposit Terms & Conditions for details.

First-Time Homebuyers: Up to $7,500 Available for Home Purchase

Buying your first home is an important milestone in your life. Here at Market USA, we understand that finding the right financing plan is as important as finding a home that fits your lifestyle.

To help you get started on solid footing, Market USA can help first-time homebuyers access up to $5,000 to assist with the down payment and closing costs incurred when purchasing a home. Funding is available to qualified first-time homebuyers.*

In addition to meeting income eligibility requirements, the homebuyer must:
Contribute at least $1,000 toward the purchase of the home
Occupy the home as a primary residence for at least five years
Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

Market USA prides itself on providing accessible and feasible financial resources and mortgage products to first-time homebuyers. Please contact a mortgage consultant at 571-328-5036 to determine if you are eligible for First-time Homebuyer funding and to begin your application process.

* *Eligibility requirements apply. Please contact our Mortgage Department for more information.

One-Time Pin Authentication Available for Online Banking

For added security in Online Banking, enroll in One-Time PIN Authentication (not available for Mobile Banking). Every time you sign into Online Banking, you'll receive an email with a PIN which you will need to log in.

Follow these steps to enroll today!
1. Log into Online Banking
2. On the left menu bar, choose Settings, then Additional Services
3. Turn on One-Time PIN Authentication (on the right)
4. Save Changes