Discover Checking Accounts in Monticello, MS, with Ferguson FCU—designed to simplify your financial life while keeping your money working for you.

How To Get Started With A Checking Account

Finding the right Checking Account has never been easier. At Ferguson FCU, we offer free checking with all the essentials and no monthly fees.

Start Making the Most of Your Money

Opening a Checking Account at Ferguson FCU is simple!

Consumer Checking Account

Our Consumer Checking Account covers everything you need:

  • Earn dividends—no minimum balance required

  • No monthly service fees

  • Unlimited monthly transactions

  • Free Digital Banking

    • Enroll in e-Statements to enjoy online bill pay for free

  • And much more!

$mart Checking Account

Looking to maximize your money? Our $mart Checking Account rewards you with:

  • Earn 5% APY on balances up to $20,000 when qualifying criteria are met, then 0.20% APY on balances above that

  • Easy-to-use features for managing your funds

  • Built for those who value local impact

Enjoy more from your checking account—with features that work for you.

Youth Checking Account

Start strong with a Youth Checking Account that’s built for young savers:

  • Earn 0.30% dividends on any balance

  • No monthly service fees

  • No minimum balance requirements

  • Free online banking

Open Your Checking Account Today

At Ferguson FCU, we make it easy to start your financial journey. Explore our Checking Accounts and discover the benefits of banking locally!