To qualify for $mart Checking dividend rates, and ATM fee refunds nationwide, you must:

• Have no less than 1 ACH Deposit or Direct Deposit into your FFCU $mart Checking Account during the calendar month.
  
  
• Enroll in e-Statements (paper statements will no longer be mailed) via Online Branch
  
  
• Use your MasterCard Debit Card for at least 10 transactions per month, totaling $150 (aggregately).

If these monthly requirements are not met, your checking account will be assessed a monthly fee (see the schedule of fees for the amount), we will pay not less than the minimum rate on your account, and the ATM fees will not be refunded.