Checking that Pays You $200

  

 

Open a new NGAGE Spending Account or NSPIRE Checking Account at Family Savings Credit Union and pocket $200.

Open Your Account Online Visit Our Oxford Branch

  

 

 
 

Your Choice. Your Bonus.

You deserve an account that fits your life.
Family Savings gives you two great checking options, and whichever you choose, you’ll take home $200.*
 
 
 
 
Account Features NSPIRE NGAGE
Free Mobile Banking with Mobile Check Deposit & Bill Pay ✓ ✓
Free checks for 50 and older (two boxes per calendar year) ✓ ✓
Access 30,000+ surcharge-free ATMs ✓ ✓
Free Instant Issue VISA® ATM/Debit Card ✓ ✓
Cash Back Rewards   ✓
ATM Fees Refunded ($20 per month)   ✓
Debit Advantage (Buyers Protection)1 ✓  
One NSF Fee Forgiven each year ✓  
TeleHealth with Zero co-pays4 ✓  
IDProtect® Identity Theft Protection1 ✓  
Credit Score & Report Access2 ✓  
Cellular Telephone Protection3 ✓  
Monthly Maintenance Fee $5/month
for average monthly
balances< $1,500		 $0/month
with e-statements
NSPIRE - 
1 See Guide to Benefit/insurance documents for terms, conditions, and exclusions. Not NCUA-insured.
2 Credit Score is a VantageScore® 3.0 based on Equifax® data; monthly access after activation.
3 Special program notes apply; see disclosures.
4 Available for account holder, spouse/domestic partner, and up to six dependent children (age ≥ 2). This is not insurance.
* $3 paper statement fee if not enrolled in e-statements.

 

Why Family Savings?

Family Savings Credit Union has been serving members for more than 75 years with branches across Alabama and Northwest Georgia. When you join, you’re not just opening an account. You’re becoming part of a credit union that treats you like Family.

How to Get Your $200 Bonus*

Follow these simple steps to earn your reward:

  1. Open a new NGAGE Spending or NSPIRE Checking Account at our Oxford branch or online.
  2. Make a minimum total of $1,000 in direct deposits within the first 90 days.
  3. Enroll in online banking with eStatements.
  4. Keep your account in good standing.

After 90 days, $200 will be deposited right into your account.

Frequently Asked Questions

Who can open an account?
  • Alabama - Persons who live, worship, work (or regularly conduct business in), or attend school in Etowah, Marshall, DeKalb, Jackson, Cherokee, Calhoun, Cleburne, Madison, Blount, St. Clair, Morgan, Cullman and Talladega Counties, Alabama.
  • Georgia - Persons who live or work in Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Haralson, Paulding, Polk, Carroll, Cherokee, Cobb, Douglas, Murray, Whitfield and Walker Counties, Georgia.
  • Family Members  -  related by blood, adoption, legal guardianship, or marriage to anyone within Family Savings Credit Union's Field of Membership.
How do I qualify for the $200 bonus?
You’ll need to:
  1. Set up at least $1,000 in direct deposits within the first 90 days.
  2. Enroll in online banking with eStatements.
  3. Keep your account in good standing (no overdrafts or negative balances).
When will I receive my bonus?
$200 will be deposited into your account 90 days after opening, once the qualifications are met.
Do I have to switch my entire paycheck to qualify?
No, as long as your total direct deposits equal $1,000 or more within 90 days, you’ll qualify.
Can I open more than one bonus account?
The offer is limited to one account per Social Security number.
 
Visit Us

Family Savings Credit Union – Oxford Branch

 
Open Your Account Online Visit Our Oxford Branch

Membership required. Minimum deposit of $25 required to open a checking account. Other restrictions may apply. See credit union for full details.

Family Savings Credit Union “Scratch to Win” Official Rules
Eligibility: No purchase or obligation necessary to participate and win. All participants must be 18 years of age or older at time of contest participation. Employees of Family Savings Credit Union, their immediate families (spouses, parents, children and siblings, and each of their respective spouses), and members of the household of such individuals are not eligible to register for the contest.
 
2. How to Enter the Contest: Visit the Oxford location of Family Savings Credit Union, in person, the week of November 3-7, 2025 bring your mailer and enter the code to see if you won. If you did not receive a mailer, you can request one at the Oxford branch. If the winning code is not presented by November 7th a second chance random drawing opportunity will be available for those who scanned the QR code at the Oxford Branch and entered their contact information. FSCU is not responsible for any lost or delayed mail.  
 
NO PURCHASE NECESSARY TO ENTER OR WIN.  LIMIT ONE ENTRY PER PERSON.
 
One in 5,800 odds of winning.
 
Family Savings Credit Union will not be responsible for incomplete, lost, late, misdirected or illegible entries or for failure to receive entries. All entries become the property of Family Savings Credit Union, and none will be returned. Family Savings Credit Union reserves the right to disqualify any entries by persons determined to be tampering with, violating, or abusing any aspect of the contest.
 
3. Determining the Winner: Winning code must be submitted in person at the Oxford Family Savings Credit Union branch location. Once winning code is entered, box will open. If winning code is not entered a second chance random drawing will take place. In order to be included in the second chance drawing you must scan the QR code at the Oxford branch and enter your contact information. Winner will be randomly selected from those who visited the branch in person and their code was entered and did not work. Winner will be required to claim prizes by providing proof of eligibility for prize won and completing and signing an affidavit of eligibility and a liability and publicity release.
 
4. Prizes: Grand Prize: A total of $1,000 cash will be awarded to one lucky winner.  Many will enter only one will win.Prize is non-transferable and non-assignable. Federal, state and local taxes are the sole responsibility of the winner.
 
5. Participation. By participating, entrants agree to be bound by these Official Rules and the decisions of the Contest. Except where prohibited, acceptance of any prize constitutes winner's consent to the publication of his or her name, biographical information and likeness in any media, including on the internet and in social media posts, for any commercial or promotional purpose, without limitation or further compensation. By entering this Contest, you also acknowledge and agree that your personal information from any entry form may be used by FSCU for internal marketing analyses and to provide participants with information from time to time about Family Savings Credit Union and its services, products, and promotions. All personal information collected will be treated in a manner consistent with FSCU’s privacy policy, which is available at Familysavingscu.com. Prizes not won and claimed by eligible winners in accordance with these Official Rules will not be awarded and will remain the property of the Credit Union.