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The Johns Hopkins Federal Credit Union


JHFCU is committed to making sure that the Internet Branch and Online Check Ordering are safe and secure. With our security infrastructure in place, we are confident that access to your accounts is private and protected. Be sure and check out the Internet Branch FAQ for other information.

Be Aware of Phone Scammers! We are getting reports that members are getting calls asking them to verify debit card numbers in relation to fraud. JHFCU will never call to ask you to provide personal account or card information; there may be cases where you are asked to verify a transaction, but we will NOT ask for the card number—you should not give that out over the phone (or via email). If you are ever concerned about a call you receive, call JHFCU directly to be sure it is a legitimate concern. If the call is from an automated service and you do not recognize the number, you should call JHFCU at our phone number of 410-534-4500 or 1-800-543-2870.

You play a role in security

While JHFCU works to protect your financial privacy, you also play a role in protecting your accounts. There are a number of steps you can take to ensure that your financial experience on the Internet is safe and secure.

Ways to protect yourself

  • First and foremost, don't reveal your PIN to anyone else. Your PIN is designed to protect the privacy of your account information, but it will only work if you keep it to yourself. If you think your PIN has been compromised, change it immediately.
  • Don't walk away from your computer if you are in the middle of an Account Access session.
  • When you are finished using Account Access, always exit before visiting other Internet sites.
  • If anyone else is likely to use your computer, clear your cache (temporary internet files) or turn off and re-initiate your browser in order to eliminate copies of web pages that have been stored in your hard drive. How you clear your cache will depend on the browser and version you have. This function is generally found in your preferences menu.
  • JHFCU strongly recommends that you use a browser with 128-bit encryption to conduct secure financial transactions over the Internet. You can download a Netscape or Microsoft browser that provides the highest level of encryption commercially available.

Browser security/encryption

Encryption helps protect your private information so that it cannot be intercepted and read by a third party.

Encryption is the scrambling of information for transmission back and forth between two points. A virtual key is required to decode the information. When you request information about your accounts, the request is sent encrypted (scrambled) to JHFCU. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is automatically decoded so that you can read it.

The encryption technology used by the Internet Branch is so secure that it is classified by the U.S. Department of Defense and export of this technology to other countries is forbidden by law.

You can download a Netscape or Microsoft browser that provides the highest level of encryption commercially available.

Digital Identity

For digital identity verification, we have a digital server certificate that your browser uses each time you sign on to verify that, indeed, you are connected to JHFCU.

A Note on Cookies

The Internet Branch utilizes cookies to hold a random session ID each time you log in. This ID is verified each time you send or receive information from the Internet Branch. The session ID provides security for your private information by responding only to requests that are intended for you. The session cookie is not stored on your computer, and it is dismissed when you exit your browser, or are logged out after the inactivity period. Without accepting this session ID (cookie), you cannot explore your accounts with the Internet Branch.