Online Banking
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The Johns Hopkins Federal Credit Union

Internet Branch


Access your account online free, 24 hours a day, at to see account balances, view account history, make transfers, pay your bills, order checks, create e-mail notifications, request a check withdrawal*, and more. You may also elect to view your statements online or apply for a loan. To access your account online, login from our homepage.

*Stop payments on official checks may not be made until 90 days after withdrawal.

TeleBranch 24

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.

For further information click here

Mobile App

JHFCU’s Mobile App is available for Apple and Android devices. With our apps, you will be able to:

  • Check Balances
  • View Transaction History, including pending transactions
  • Make Transfers
  • Pay Bills (to current payees; new payees cannot be added via mobile for security purposes)
  • Find surcharge-free ATM and branch locations
  • Contact JHFCU

Enrolling is easy, but there are things to remember. You must be a current Online Banking user. For full mobile banking directions click here.

Don't have an Apple or Android? That's okay, we still have a mobile version for online banking. Just go to "" and log in on your mobile device!


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 50,000 CU24 & 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 ATM in your area.

ATM and Visa Check Cards

JHFCU's ATM and Visa Check cards are an easy way to get quick access to your money and can be used at over 50,000 surcharge-free ATMs nationwide! Both come with no monthly fee and surcharge-free locations. Please see our fee sheet for more details. See below for more information about the benefits and features of each card:

ATM 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.

Opt In to ATM Overdraft

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:

  • We have standard overdraft practices that come with your account.
  • We also offer overdraft protection plans such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

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?

  • We will charge you a fee of $29 each time we pay an overdraft. This is our standard Courtesy Overdraft Fee (the same as our Non-Sufficient Funds Fee and our Stop Payment Fee), and is subject to change.
  • There is no limit on the total fees we can charge you for overdrawing your account.

Visa Check card

JHFCUs Visa Check Card 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. Surcharge-free access is also available nationally through CU24 and 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, reporting its loss or theft right away. Before using your card, you must call the Visa activation line.

Bill Payment

JHFCU online Bill Payment is free for all members. If you want to save yourself the hassle of purchasing stamps and stuffing envelopes, you can pay your bills via your PC to any company, organization or individual within the United States! Just log into your account and click on the Bill Payment link.

With Bill Payment you:

  • Can pay an unlimited number of bills per month.
  • Schedule single or recurring payments.
  • View payment history.
  • Check the status of a pending payment.
  • Edit a pending payment.
  • Delete payees.
  • Can schedule your payments outside of the U.S.
  • Can schedule your bills 24/7!
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.*

*You must have a JHFCU Checking account to use the Bill Payment Service. Payments cannot exceed $9,999.00. Payments can only be made within the United States. Other restrictions may apply. Contact JHFCU for full details.




Money Desktop 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 the MoneyDesktop link to get started. (more information)




Save trees by signing up for JHFCU’s online E-Statements! With E-Statements, your monthly statements will be available once you log in to your account online instead of to your mailbox… saving you time and also reducing the possibility of identity theft. To sign up for E-Statements, just log into your account, go to Online Services and select "E-statements." After you start receiving E-Statements, you view them in PDF format by logging into your JHFCU account and going to the E-Statements menu option. You will receive an e-mail at the beginning of each month letting you know when your monthly statement is available for viewing.


Never make a special trip to deposit a check again!  Deposit your checks electronically, from anywhere, with DeposZip!  Use your personal scanner, or deposit them in a snap with our free JHFCU Mobile App and your smartphone.  Mobile DeposZip is convenient and secure – Download the App Today!

To start, you must have the JHFCU Mobile App, then click on “Deposit” to register. DeposZip is available to qualified members only.

Click here for more information and a short video in DeposZip.

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Shared Branching

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.

CO-OPAnywhere you see this logo you can conduct a range of transactions, which are posted immediately to your account, such as:


  • Deposits (JHFCU check holds apply)
  • Withdrawals
  • Loan Payments (except mortgage)
  • Transfers between accounts
  • Purchases of money orders, travelers checks and official checks**

To take advantage of this service, when you enter a shared branch you need to bring:

  • Your account number
  • (Social Security number will not suffice)
  • Valid government-issued photo identification, i.e., State Driver’s license, US Passport

To find a complete list of the 5,000 participating credit unions, listed by name, zip code or state, please visit: or our Branch Locator.

**May not be available at all outlets and locations.


Direct Deposit/Payroll Deduction

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 .

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.


Wire Transfers

Foreign Wire Changes: Recent changes to Federal law regarding foreign wires will be implemented on October 28, 2013.  On this date, all international wires transfers will be sent in the currency of the receiving country, not in US dollars.  This provides the ability to determine the exact amount being received, as the funds will be converted appropriately before being sent.  For each transaction, a disclosure will be provided detailing all fees and exchange rates, as well as an estimated delivery time, making the transaction more accurate and transparent.

Outgoing Wires:

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 sent by mail, fax, or done in the branch. Please log into your account to access the online Wire Transfer Form. Once the electronic form is completed online it will be sent to JHFCU 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)

Incoming Wires:


For funds to be wired into your JHFCU account, please provide the following instructions to the initiating institution:

Bank Name:
Johns Hopkins Federal Credit Union

Bank ABA (aka routing and transit):
ABA #: 252076235

Beneficiary Name and Address:
Member’s name and address

Beneficiary Account number:
Member’s 9 digit account number

__ __ __ __ __ __ __ __ __-__ __
(9-digits, dash, and 2 digit suffix are required)


For 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):
Manufacturers & Traders Trust Company  (M&T Bank)

Beneficiary Account (aka Creditor Agent Account):

Beneficiary Name and Address(aka Creditor):
Johns Hopkins Federal Credit Union
ABA Number: 252076235

Details of Payment (aka Related Remittance Information):
For Further Credit To <<Insert member’s name and account number>>

__ __ __ __ __ __ __ __ __-__ __
(9-digits, dash, and 2 digit suffix are required)


ACH (Automated Clearing House)

The ACH (Automated Clearing House) network provides a way to allow transactions to be debited and credited to your account much faster than checks (typically 1-2 business days). JHFCU accepts ACH transactions for checking accounts only.* Savings debits may only be processed in a JHFCU branch, from an ATM, or with a withdrawal request through Online Banking.

Examples of ACH credit transactions include direct deposit of payroll and IRS refunds. ACH direct debit transfers are items such as consumer payments on utility bills, insurance premiums, mortgage loans, and other bills. Using ACH payments can help reduce errors associated with writing and/or mailing checks along with save resources (paper, ink, fuel to transport checks, etc.)  

*For all accounts except those described as checking accounts, JHFCU does not permit the transfers of funds to a third party by means of a pre-authorized or automatic transfer. Pre-authorized or automatic transfers can be described as a transaction were authorization, verbal or written, was obtain by the originator to debit or credit the receiver’s account. JHFCU does not allow debits to those account deemed savings account via the ACH network.

Loan Payment Protection

Even the most responsible person can be hit with bills they can’t pay, damage to their credit score, and even repossessions when unexpected illness, injury, or death eliminates their ability to earn a paycheck.

Debt Protection may even cover loss of job or events that may happen to your family.

When you add Debt Protection to your loan1 or other obligations, you minimize the impact of the unexpected. In most cases, Debt Protection can:

  • Eliminate all or part of your remaining loan balance or pay a portion of the payment
  • Protect your credit rating as loan payment obligations are made on your behalf
  • Prevent late fees
  • Protect your family and your possessions
  • Free-up extra cash when it’s needed most
  • Pay benefits in addition to any other protection you may have

Debt Protection is affordable, may cover both you and your co-borrower, and is a part of your regular payment—giving you one less thing to think about.

To learn more about Debt Protection, contact your loan officer or service representative today!

1Debt Protection may be available for personal credit cards, auto loans, personal consumer loans, and home equity loans.

Your purchase of Debt Protection is optional. Whether or not you purchase Debt Protection will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under Debt Protection. You should carefully read the contract for a full explanation of the terms.

Medallion Signature Guarantee

JHFCU offers a Medallion Signature Guarantee service to members who need signature guarantees connected to a sale, assignment, transfer or redemption of a security transaction. This Program does not cover changes or transfers in ownership of a stock or mutual fund transaction, nor does it guarantee changes in address, name or beneficiaries.  Medallion Signature Guarantees are available in the branches. Ownership of the security must belong to the individual(s) presenting the documentation for signature.  All individuals named as owners in the security must be present for signing.  Picture identification, the most recent transaction statement, and related documents to be guaranteed are required, and, must be signed in the presence of the Credit Union employee guaranteeing the signature.

Notary Service

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.

Discount Privileges

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 companies, 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)