Checking FAQ

• What do I need to open this account?

  You’ll need your completed application, formal identification, and a home address that matches the one on your identification.

  If your home address does not match your ID, please send us a copy of proof of address (ex: A lease agreement or utility bill). If you do not send a proof of address, you will have 90 days from when the account is opened to supply this information, or the account will be closed. For security purposes, no checks or cards will be issued until proof of address is received.

   

   
• 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.

  You can also choose from two custom-made card designs, our traditional JHFCU card representing the main Johns Hopkins campuses, or our Blue Jay card, offered through our partnership with the Johns Hopkins Athletics Association. 

  To learn more about our cards, including what to do if you’re traveling or your card is lost or stolen, click here.
• How do the cash back rewards work?

  All you need is our Visa® Debit Card and Online Banking to participate in our rewards program. Once you have these products, you’ll be automatically enrolled. Then, within your Online Banking or Mobile App portal, you’ll see and accept special offers that give you your rewards. 

  Click here for a step-by-step guide of how our Ca$hPerks program works.
• 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?

  If you are a Hopkins Employee and would like to set up direct deposit, you will need your JHFCU account number and our routing number and will need to input information into your Employee Self Service portal (ESS). If you would like to set up a payroll deduction, you can include the payroll deduction forms with your membership application. If you are not a Hopkins employee, please contact your employer to set up direct deposit. We have more information to help you with this process here.

   
• How can I transfer money with this account?
  We offer free ACH Transfers and free incoming wire transfers with this account.
• I paid this bill by JHFCU check and it cleared. The image is illegible and the company has not given me credit. What do I do?

  Unfortunately, dispute rights with check payments are limited to the physical paper check – not good and services received.  Unless there is something altered or unauthorized on the check, we have limited recourse.  JHFCU will attempt to work with you to resolve the issue with the other financial institution, but successful outcomes are not guaranteed.

• I paid this bill by JHFCU check and it still has not cleared. What do I do?
  First you should contact the recipient to ask if they received the payment—they may have a backlog in processing. If they have not received the check, and you feel reasonable time for the mail has taken place, you may want to place a temporary or permanent stop payment on the check. 
• I paid a vendor by check, and it cleared my account, but there is no image. Can I get an image?

  If the check was not converted to an ACH, JHFCU can provide a copy; if the check was converted, we can work with the vendor’s bank to obtain a copy – the other bank may assess a fee.

• I have an automated payment being debited from my JHFCU account. I want to stop it. What do I do?
  The best way to stop the payment is to contact the vendor who is submitting the request.  But if they are unresponsive, you can 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 NOTE THAT DEPENDING WHERE THE ITEM IS IN THE PROCESSING, THE STOP PAYMENT REQUEST MAY NOT BE EFFECTIVE.  Contact our Member Service area for assistance at 410-534-4500.