Access your account online free, 24 hours a day, at www.jhfcu.org to see account balances, view account history, make transfers, pay your bills, order checks, create e-mail notifications, track stock prices, request a check withdrawal*, or change your PIN. You may also elect to view your statements online or apply for a loan. To access your account online, login from our homepage using your account number and PIN number. Give the Internet Branch a try through our Demo!
*Stop payments on official checks may not be made until 90 days after withdrawal.
Conduct financial business by telephone locally, or via our toll-free number when traveling, free – 24 hours a day – through our TeleBranch 24. Just call our local or toll-free numbers, and press 1 to check your balance, verify transactions, transfer money, access a line of credit, make a loan payment, request a check withdrawal, or order a copy of a cleared check.
JHFCU has ATMs around Hopkins campuses, many with deposit capability. Due to special agreements with the Credit Union, JHFCU members can use their ATM or Visa Check cards for withdrawals at over 1,500 M&T ATMs* and more than 28,000 CO-OP Network ATMs nationwide, without surcharges from the ATM owner!
In
addition to surcharge-free withdrawals, you can also take
advantage of making deposits at non-JHFCU ATMs nationwide. JHFCU’s
expanded ATM network is a huge benefit to JHFCU members who travel, whose
workplace doesn’t coincide with our branch locations, or who simply
enjoy the convenience of nationwide access. Wherever you are across the
country, chances are good there’s a CO-OP ATM near you!
Click here to find a JHFCU, M&T, or CO-OP network ATM in your area.
*Visa Check card holders only
JHFCU's ATM and Visa Check cards are an easy way to get quick access to your money and can be used at over 28,000 surcharge-free ATMs nationwide! Both come with no monthly fee. You also receive 10 free withdrawals per month (at no charge from JHFCU) when you direct deposit to JHFCU, or 2 free withdrawals per month without direct deposit. (Member is responsible for any surcharges the ATM owner may impose. Please see our fee sheet for more details.) See below for more information about the benefits and features of each card:
The Credit Union's ATM service is affiliated with the STAR, Cirrus, and Encore networks. A JHFCU ATM card can be used at any of these network locations. You can also use your JHFCU card for an unlimited number of free "point of sale" ATM/debit transactions (e.g., at gas stations and grocery store checkouts) from your Share Draft Checking account, and can often get cash back using your PIN. Cards are issued in our branches. You can choose your PIN when applying for the card or change it in the branch after receipt of your card. If your ATM card is ever lost or stolen please call 1-800-JHFCU-70.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for checks and other transactions made using your checking account number and automatic bill payments. We do not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to.We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
What if I want my financial institution to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call JHFCU, complete and present a consent form at any JHFCU branch location or submit the Opt In form.
What fees will I be charged if Johns Hopkins FCU pays my overdraft?
With the Visa Check Card you can earn 5¢ rebates and it gives you access to your Share Draft Checking account around the world. Use it anywhere you see the Visa logo - at merchants or for telephone or Internet catalog orders. The amount of the transaction is deducted from your available balance when the purchase occurs, and the transaction details appear in your checking account that day or within a few days after the transaction takes place, so make sure you record the transaction in your checkbook register. If you select the credit option, make purchases up to the lesser of the available balance in your Share Draft Checking account and Line of credit/Overdraft account (if applicable), or $1,500 per day (with a maximum of $3,500 over a 4-day period). JHFCU participates in the Verified by Visa program, where you have an option to designate a password for online purchases for added security. Please visit our contact us page to activate/cancel your card, or report it stolen.
The Visa Check card is also an ATM card. Get cash anywhere you see the STAR, Encore, or Cirrus ATM signs. JHFCU cardholders also get surcharge-free withdrawals at all JHFCU and M&T Bank* ATMs in the Maryland region! Surcharge-free access is also available nationally through the CO-OP Network. Use the card to make PIN point of sale transactions, at the grocery store, for instance, and you can get cash back. Make deposits at various JHFCU ATMs, too. To get a Visa Check card, you need a Share Draft Checking account. Cards are issued at our branches and you can choose your own PIN or change it in the future (at any branch) unless you choose your own when applying for your card. Keep your card in a secure place; report its loss or theft right away. Before using your card, call the toll-free number on the back to activate it.
*Visa Check card holders only
Each time you do one of the following with your Visa Check card, you will earn a 5¢ credit to your Share Draft Checking account:**
*Purchases are debited within 1-2 days. However, the amount of the transaction is immediately put under a hold in your account, so be sure to record the transaction in your check register.
**NOTE: Use of the card for cash
withdrawals, or as a "debit" transaction
in which you enter your PIN at a point
of sale (e.g., a grocery store or gas
station) will not qualify for the rebate.
Credit for qualifying transactions will be
posted at the end of each month.
If you want to save yourself the hassle of purchasing stamps and stuffing envelopes, you can pay your bills electronically via your PC to any company, organization or individual within the United States! Just log into your account through the "Online Banking" box on the navigation bar to the left using your account number and PIN to sign up for our Bill Payment service! JHFCU online Bill Payment is free* as long as you have Direct Deposit to JHFCU and pay at least one bill per month. Otherwise you will receive your first three months free and the cost to use Bill Payment is $4.95 a month.
After signing up for Bill Payment, you will receive two e-mails from the Credit Union informing you your application has been approved and confirming you are "enabled" and ready to use the service.
Give Bill Payment a try through our interactive Demo!
*JHFCU’s Online Bill Payment service is free with direct deposit provided you pay at least one bill per month. Accounts that become inactive will be charged the monthly fee. You must have a JHFCU Checking account to use the Bill Payment Service. Payments cannot exceed $9,999.00. Other restrictions may apply. Contact JHFCU for full details.
FinanceWorks, powered by Quicken, solves your most important, everyday financial problems with ease by helping you budget and gain control over your spending so you save more. This service is free and is available from within JHFCUs Online banking for all members, just login and click on one of the FinanceWorks tab to get started.
Save trees by signing up for JHFCU’s online e-statements! With e-statements, your monthly statements will be sent straight to your e-mail inbox instead of your mailbox, saving you time and also reducing the possibility of identity theft. To sign up for e-statements, just log into your account, click on User Options, select the Online Statement Option, and choose to waive your paper statements. (You can always go back at any time and cancel your e-statements by choosing to receive your monthly paper statements again.) After you start receiving online statements, you view them in PDF format by logging into your JHFCU account and selecting Online Statements. You will receive an e-mail at the beginning of each month letting you know when your monthly statement is available for viewing.
JHFCU offers a free secure service that allows you to scan paper checks from your desktop and electronically send the images to JHFCU for deposits through Homebanking.
The basic requirements include a member at least 18 years of age, have the account open for a minimum of 180 days and with a satisfactory history of managing their Johns Hopkins FCU account. You must have a satisfactory credit history along with a demonstrated satisfactory checking account history as reported by a Consumer Reporting Agency
Click here for more information and a short video in DeposZip.
With Shared Branching, you have access to thousands of other credit unions' branches where you can perform basic teller transactions just as if you were in a JHFCU branch. Whether you are at work, home, favorite out-of-state destination, or a JHU parent needing to deposit to your child's account, we are always nearby.
Anywhere
you see the swirl you can conduct a range of transactions, which are posted
immediately to your account, such as:
To take advantage of this service, when you enter a shared branch you need to bring:
To find a complete list of the 3,571 participating credit unions, listed by name, zip code or state, please visit: http://jhfcu.locatorsearch.com/index.aspx or www.cuservicecenter.com or try the mobile app.
**May not be available at all outlets and locations.
Through our partner, Liberty Card Services, JHFCU is offering Visa Gift Cards! The cards make a perfect gift for that hard-to-shop-for person on your list because they can use it to buy whatever they want anywhere Visa is accepted! Buyers purchase the gift cards, which work like prepaid debit cards, at a value of their choice, and recipients can use the card multiple times at various locations — in person, online, or over the phone — until the value is exhausted or the card expires. Cards are available for purchase at any of the JHFCU branches for a nominal service fee of $4.95 and must be used within 12 months of purchase, without acquiring a monthly fee.
Direct Deposit - is the automatic, electronic transfer of your paycheck's entire net pay into your credit union account. It is different from a payroll deduction (see below) and comes with several benefits and discounts at JHFCU.
Payroll Deduction - Unlike direct deposit, which involves your whole paycheck, payroll deduction involves just part of your pay. The money is automatically deducted from your paycheck and deposited to your credit union account(s) in amount you specify. You can have as little as $5 deducted every pay period, and you can use Payroll Deduction to pay back credit union loans or build up your accounts over time.
Deposits and payments to the Credit Union may be made by cash, check, money order, or most conveniently, through Payroll Deduction and/or Direct Deposit. You may arrange to have all or a portion of your paycheck automatically distributed to various accounts including loan payments. For example, you can request a portion of your pay to be Payroll Deducted to your Share Savings Account and a Holiday Club Account, and the rest Direct Deposited to a Share Draft Checking Account .With Direct Deposit you are entitled to free JHFCU custom checks and additional free withdrawals with JHFCU's ATM or VISA Check Cards and a discount on our Internet Banking Service.
Along with being convenient, Direct Deposit and/or Payroll Deduction eliminate the risk of loss, theft, or forgery of your paycheck. This is especially important if you travel or are on vacation, or are simply too busy to visit our branches.
Please contact us concerning the deposit of government, Social Security, pension and annuity checks, as well as your paycheck.
Keep your money safe when traveling abroad with JHFCU’s new “My
Travel Wallet™!" Whether you're going on a vacation or on a
business trip overseas, My Travel Wallet allows you to order secure Prepaid
Foreign Currency Debit Cards and/or save money ordering 50+ major currencies,
in advance, without having to visit a local branch.*
Order your Foreign Currency or Prepaid Debit Card today.
Check out the Cash Passport Budget Calculator. This tool advises on daily expenditures for the country of travel, including how to split your travel funds between banknotes and prepaid products.
Frequently
Asked Questions
Fees and limits
(PDF)
Reload or Cash-out your Cash Passport™ card, or to report a Cash
Passport™ card as lost or stolen, contact Travelex Card Services
toll-free at (888) 713-3424.
*For all other currencies please
contact Travelex Consumer Direct at 800-287-3762 or visit www.us.travelex.com
to locate the Travelex retail store that fits your departure plans, including
locations at BWI, Dulles, and Reagan National.
**Transaction levels on MTW are a min of $250 USD and a max of $3,000
USD. Minimum load value on the Euro and British Pound Cash Passport™
cards may be higher after exchange. Delivery: My Travel Wallet delivery
is 2nd Day for $10 via UPS. (members bears the cost). Travelex is not
currently able to offer Cash Passport™ Prepaid Currency Cards in
Euros or British Pounds to residents of AL, AK, AR, CT, DC, HI, ID, ME,
NV, NJ, ND, VT, WI and WY due to licensing restrictions. Members residing
in these areas may purchase Euro or British Pound foreign currency banknotes
via My Travel Wallet.
Funds can be wired in various foreign currencies such as Euros, British Pounds, Canadian Dollars, Japanese Yen, and many more. Members will know the exact exchange rate at the time they send the wire, vs. waiting for the receiving institution to make the conversion. For further information contact our Electronic Services Department at 410-534-4500 ext. 298 or ext 256.
A wire transfer authorization form must be signed and completed before an outgoing wire can be initiated. Photo identification is required for all wire transfer requests.
Please log into your account to access the Wire Transfer Form. You may fax the form to JHFCU at 410-467-0319 or take it to any JHFCU Branch for processing. Click here for fee schedule.
Important: Faxed and mailed forms will receive a call back from JHFCU. A copy of your valid government issued ID is required for all faxed & mailed forms. Address and Telephone numbers are required and must match what is on file. If your address and/or contact info. has changed within the last 30 days, we will not be able to complete your request.
Printable Directions (PDF)
DomesticFor funds to be wired into your JHFCU account, please provide the following instructions to the initiating institution: Bank Name: Bank ABA (aka routing and transit): Beneficiary Name and Address: Beneficiary Account number: __ __ __ __ __ __ __ __ __-__ __ |
InternationalFor funds to be wired into your JHFCU account, please provide the following instructions to the initiating institution (all information is required): Beneficiary Bank SWIFT BIC (aka Credit Agent BIC): Beneficiary Bank Name (aka Creditor Agent): Beneficiary Account (aka Creditor Agent Account): Beneficiary Name and Address(aka Creditor): Details of Payment (aka Related Remittance Information): __ __ __ __ __ __ __ __ __-__ __ |
Borrowers can get protection against the unexpected with Credit Life
and Disability Insurance* available at JHFCU. Affordable disability insurance
can help pay off your Credit Union covered loan balance if you become
disabled, protecting your credit rating at a time when funds may be limited.
Credit Life insurance helps ensure that your loved ones won't end up paying
your loan balance should you die before the loan is paid off. Credit Life
and Disability premiums are added in with your loan payment, so no separate
payment is required.
*Credit Life and Disability Insurance is underwritten by Life Investors Insurance Company of America (Home Office – Cedar Rapids, Iowa) and is available to credit union members only through the Johns Hopkins FCU (Home Office – Baltimore, MD). Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contract your loan officer.
JHFCU offers a Signature Guarantee service to members who need signature guarantees for a stock or mutual fund transaction. Signature guarantees are available in the branches. Picture identification is required and the documents to be guaranteed must be signed in the presence of the Credit Union employee guaranteeing the signature.
The Credit Union has several notary publics on the premises for members' convenience. The notary service is free to Credit Union members. Picture identification is required and the documents to be notarized must be signed in the presence of the notary.
From time to time many businesses offer special discounts to our membership for such items as tires, computers, optical products, and new cars, to name a few. While JHFCU does not endorse these businesses, these dealers have good reputations for quality and price, as well as genuine interest in courteous service. The Credit Union will occasionally publicize information on the participating companies. Car dealers advertise on the back of each quarterly newsletter and provide discounts on automobiles and services. Also, during the summer, discount coupons and passes for theme parks are available at the Credit Union.
Enterprise Rental Service Discount (varies on location) Renting by phone? You'll need these codes — Corporate Code: 18B7215 and Pin: MDD
Nationwide Insurance (varies)
TurboTax
(Save 15% on TurboTax Online Federal and State products)