Free Rewards Checking Account


Can’t decide between free checking, dividend checking, cash back checking, or any other option. You don’t have to! We’ve combined all of your favorites into one great Checking Account!1


Open a Checking Account Today!

 

✔
Cash Back

Get cash back on select transactions with CashPerks.2

 

✔
Earn Dividends

Enjoy dividends paid on your entire account balance.

✔
Overdraft Line of Credit

Feel secure knowing you're covered in the case of an accidental oversight.3

✔
Free Checks

Write checks and never pay 

for any of them with our free check benefit.4


Image of JHFCU Visa Debit Card

✔
30,000+ Free ATMs

That’s right, surcharge-free
access to over 30,000 ATMs nationwide.

 

✔
No Minimum Balance

Open a Free Rewards Checking Account with no minimum balance requirements.

✔
No Monthly Fee

Free truly means free, our checking account has no Annual or Monthly Fee.

✔
Online/Mobile Bill Pay

We know you are busy, so we want to make sure you can access your account and pay your bills wherever you are.


Truly Free Checking

Best ForThe Johns Hopkins FCU free rewards checking account is best for someone who wants a free checking account that also offers rewards.
Monthly Fee$0
Opening Deposit$0
Minimum Balance$0
Earn Dividends

Dividends paid on all balances at competitive rates

E-ServicesFree Online and Mobile Banking, Check DeposZip®5,
Bill Pay, and MoneyMap.
ATM UseFree Visa® Debit Card with
surcharge-free access to over 30,000 ATMs nationwide.

 

 Why split up the best features and make you choose? JHFCU’s checking has all the best features wrapped up in one account.

 


★★★★★

“I love this credit union! They are very prompt with handling any questions or concerns and really put your needs first. The products they offer are top notch as well! Every time I go to one of the branches the staff is always very helpful and friendly! I am a member for life :)”

- Kristen F.

 

 

How To Apply

Member

 

If you are already a member of JHFCU and would like to open a checking account you can do one of the following:

  • Log into your account:

    1. Click "Accounts" from the menu
    2. Select "Open Checking Account"

  • Print and submit a Checking & ATM/Debit Cards Application.

Non-member checking


If you are not already a member of JHFCU and would like to open an account, please complete our online application. 

You will be asked to provide the following:

  • Copy of your work badge or proof of eligibility.
  • Copy of valid government-issued ID or passport.
  • $25 minimum deposit for savings.

 

 
Mobile App

 

Easy & Secure Mobile Banking App


✔Deposit checks

✔ Check your credit score

✔ 24/7 Account Access

✔ View account activity & balance(s)

✔ Transfer funds

✔ Locate a branch or ATM

 

 

 




Have it all checking

No coupons to print, points to redeem, or loyalty cards to manage!

Start earning cash back (from a few cents to over $100) on select JHFCU Visa debit transactions. All you need is JHFCU’s Visa Debit Card and Online Banking to participate. 

 

Here’s How To Earn Ca$hPerks On Select Debit Card Transactions

1. CLICK to active offers

2. SHOP at local merchants

3. EARN CASH BACK!

 

You will be automatically enrolled in the program once you have your JHFCU debit card and enroll in online or mobile banking. To learn more, visit our online & mobile banking page.

 




 

Expand all

Checking FAQ

  • Does a debit card come with this account?

    Yes. You’ll get a free Visa® Debit Card that you can use at over 30,000 fee-free ATMs Nationwide through our partnership with the CO-OP Network, plus many JHFCU ATMs on Hopkins Campuses.

    To learn more about our cards, including what to do if you’re traveling or your card is lost or stolen, click here.
  • How does your overdraft protection work?
    We have several overdraft options to meet your needs. Our Courtesy Payment overdraft option is the standard protection that all account holders can opt-in for. We also offer courtesy transfers from a Share Savings Account and a Loanmaker Line of Credit or Home Equity Line of Credit. To learn more about these options and how to apply or opt-in for them, please click here.
  • How can I set up a direct deposit?

    Processes for signing up can differ by employer, but at the very least you will need your nine-digit account number (provided at account opening, viewable on checks you have for your JHFCU account, or on your statement) and JHFCU’s Routing and Transit Number—sometimes just called “routing number” or “ABA number”—JHFCU’s is 252076235. For more information, click here or talk to your employer. 

     
  • How can I transfer money with this account?
    We offer free ACH Transfers and free incoming wire transfers with this account. If you’re looking to send money to someone else, we also offer Zelle!
  • How do I stop an automatic payment from coming out of my account?

    The best way to stop the payment is to contact the vendor who is submitting the request. If they are unresponsive, you may request a one-time stop payment or a permanent stop payment of ACH debits.  A one-time stop payment is used stop one specific payment for the date and amount you request.  A permanent stop payment will cancel all future payments to that vendor payee.  To request a one-time or permanent stop payment for automated debits, you will need to complete the Stop Payment Form. Please contact us for assistance. 

    Note: Depending where the item is in the processing cycle, the stop payment request may not be effective. 

1 Checking available to members age 16 and older; some restrictions apply.
2 Each offer comes with terms and limitations. Minimum purchase may be required; see offer for details. Some retailers limit the amount per offer, but there is no limit on the total amount you can earn from multiple offers. Cash back will be credited to your account the last day of the following month from which it was earned (e.g., cash back earned on purchases made in July will be credit the last business day in August). To opt out, simply click “Stop Receiving Offers.”
3 Subject to loan approval
4 First book free; free book every year with E-Statements, Bill Pay, and Visa Debit Card.
5 Must meet eligibility requirements.