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, 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. 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.
For further information click here
JHFCU’s Mobile App is available for Apple and Android devices. With our apps, you will be able to:
Enrolling is easy, but there are things to remember. You must be a current Online Banking user. Also, to enroll, you will need to log into your account to complete the activation device, so it’s best to do it when you are near a computer. 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 "https://m.jhfcu.net/mobilelogin.aspx" 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 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 ATM in your area.
*ATM Cards - No fee from JHFCU, surcharge from M&T. Visa Check cards - free unlimited
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 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:
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.
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 electronically 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. View Demo.
*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.
Save trees by signing up for JHFCU’s online e-statements! With e-statements, your 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 online statements, you view them in PDF format by logging into your JHFCU account and going to the e-statemtns 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.
A free secure service that allows you to scan paper checks from your desktop or mobile device and electronically send the images to JHFCU for deposit through Homebanking.
The basic requirements include a member at least 18 years of age, and have 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.
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.
We have convenient options for our international travelers, whether you're going on a vacation or on a business trip overseas. You may order foreign currency for delivery at our Homewood, East Baltimore, or Bayview branch, or order online.
At a branch: You must be present to order and pick up the currency (and present proper identification), and amounts must be greater than $20 but less than $5,000 per transaction. There is a $15 delivery fee. Shipments generally are available the next business day. JHFCU will not purchase back any unused foreign currency.*
Online: Get foreign currency or a pre-loaded foreign currency card from JHFCU's "My TravelWallet™". My TravelWallet allows you to order secure Prepaid Foreign Currency Debit cards and/or foreign cash for over 50+ major currencies, in advance, without having to visit a local branch.**
Note: “Cash Passport” will be temporarily unavailable for new card sales and reloads. We are on pace to begin offering the third-generation Cash Passport cards in the near future. The new cards will have all the benefits of the old product, and will add key features such as 10 currencies all available on one piece of plastic.
With My TravelWallet you can:
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.
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 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)
For funds to be wired into your JHFCU account, please provide the following instructions to the initiating institution:
Bank ABA (aka routing and transit):
Beneficiary Name and Address:
Beneficiary Account number:
__ __ __ __ __ __ __ __ __-__ __
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):
Beneficiary Account (aka Creditor Agent Account):
Beneficiary Name and Address(aka Creditor):
Details of Payment (aka Related Remittance Information):
__ __ __ __ __ __ __ __ __-__ __
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.
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 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.
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 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