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



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



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.



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 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'll need your JHFCU account number and routing number, and you'll need to input information into your Employee Self Service portal (ESS). 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 still has not cleared. What do I do?
    You should begin by contacting 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 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. 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 FormPLEASE 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.

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.