Get Started with $mart Checking
Your smarter way to earn more with your everyday spending. Enjoy higher dividends, no monthly fees, and rewards for how you bank—all with Ferguson FCU’s hometown service.
Opening an Account is Easy
You can apply online within minutes and start earning rewards right away.
Account Details
- Free checking that pays high dividends
- Earn APY on balances up to $20,000 when qualifications are met
- Earn even more on balances over $20,000
- No monthly service fees or minimum balance
- Unlimited monthly transactions
- Free EMV Mastercard® Debit Card
- Surcharge-free ATMs nationwide
- Reimbursement up to $25 on foreign ATM fees
- Free Digital Banking with e-Statements
- $0 to open — start today!
Earning Your Rewards is Simple
1
Use your Debit Card
Make at least 10 debit purchases totaling $150 or more per month.
Make at least 10 debit purchases totaling $150 or more per month.
2
Set up Direct Deposit
Receive at least one ACH or payroll deposit each month.
Receive at least one ACH or payroll deposit each month.
3
Go Paperless
Sign up for e-Statements through your Online Branch.
Sign up for e-Statements through your Online Branch.
If you don’t meet your requirements one month, you’ll still earn our base dividend rate — no penalties, just another chance next month. Have questions? Call (601) 806-3328 or contact us.