Ferguson FCU | Checking Accounts - Free Checking, No Monthly Fees
Ferguson FCUSmarter banking, made simple
Free checking - no fine print

Checking that works for you, not against you.

Your money belongs to you - that's why Ferguson FCU offers free checking with all the essentials and no monthly service fees. Compare Personal, $mart, Youth, and $tudent $mart $tart Checking to find the right fit.

Open An Account Compare Accounts

Checking Account Rates

Dividend rates by account type - $mart Checking is tiered by balance.
View all rates
Account Minimum Balance APY**
Consumer Checking $0 0.10%
$mart Checking $0 - $20,000

$20,000+

4.88%

0.20%
Youth Checking $0 0.30%
$tudent $mart $tart Checking $0 - $1,999.99

$2,000+

1.00%

0.10%
Rates shown update live from our rate feed when it's reachable; otherwise these are our most recently published rates. See the full Rates & Fees page for complete terms.

Which checking account fits?

Four ways to bank, none of them with a monthly fee.

Personal Checking

Our everyday free checking account - simple, no-fuss banking with unlimited transactions.

  • APY-
  • Monthly feeNone
  • Minimum balance$0
  • Best forEveryday spending
Most popular

$mart Checking

Earn dividends on your everyday balance when you meet a few simple requirements each month.

  • APY4.88% - 0.20%*
  • Monthly feeNone**
  • Best forMembers who want their checking to earn

Youth Checking

A first checking account for younger members - no minimum balance, no monthly fees.

  • APY0.30%
  • Minimum balance$0
  • Best forMembers just starting out

$tudent $mart $tart Checking

A step up from Youth Checking for high schoolers and college students building their own credit union relationship.

  • APY4.88% - 0.20%*
  • Monthly feeNone
  • Best forStudents ages 16-24

How to earn the $mart Checking rate

Meet all three each month to earn the higher dividend tier.
1

Make qualifying purchases

At least 10 debit card purchases totaling $150 or more each month.

2

Receive a deposit

At least one ACH or payroll direct deposit posts to your account each month.

3

Go paperless

Enroll in e-Statements through your Online Branch.

How to open an account

Most members can get started the same day.
1

Confirm eligibility

Most Mississippi residents and their family members can join Ferguson FCU.

2

Bring your ID

A valid government-issued photo ID and your Social Security number.

3

Make your opening deposit

Fund your account with a small initial deposit - ask a branch to confirm the current minimum.

4

Start banking

Set up digital banking and your debit card, and you're ready to go.

Quick FAQ

Short answers to the most common checking account questions.
Generally, a valid government-issued ID, your Social Security number, and a small initial deposit. A team member can confirm exact requirements for your situation.
No. Our Personal and Youth Checking accounts have no monthly service fees and no minimum balance requirements.
Make at least 10 debit card purchases totaling $150 or more, receive one ACH or payroll deposit, and enroll in e-Statements - all in the same month.
Yes - your debit card is accepted worldwide, and you'll have access to a large network of surcharge-free ATMs.
Details are still being finalized - check back soon, or ask a branch team member for the current eligibility rules.

Open your checking account today

We'll make it easy to start your financial journey.

Contact options

We're happy to help - here's the best way to reach us.

Hours of operation

Monday-Thursday: 8:30am - 4:30pm
Friday: 9:00am - 5:00pm
Saturday: 8:30am - 12:00pm

Call us Connect virtually Open An Account