Young Adult Account

Introducing our Young Adult account – the gateway to financial freedom for individuals ages 18-24

Tailored specifically for young adults, this account is the perfect option for those looking to take charge of their finances for the first time ever.

JHFCU’s Young Adult account boasts can’t-beat features and benefits, personalized support, as well as educational resources and tools to help you independently and confidently navigate life’s financial twists and turns.  

Are you ready to take the first step in your financial journey? Get a $50 bonus when you open your account by June 30!*

Get Started


Benefits of a
Young Adult Account

Cash Back

Get cash back on select transactions with CashPerks.2

Federally Insured

The National Credit Union Administration (NCUA) insures your account for up to $250,000.

No Fees & No Minimum Balance

Open a Young Adult account with no minimum balance requirements.* Keep more of your money where it belongs—in your wallet.


30,000+ Free ATMs

This account gives you access to over 30,000 free ATMs nationwide.

Mobile App

Use our highly-rated mobile app to manage your account anytime and anywhere.

Overdraft Line of Credit

Feel secure knowing you're covered in the case of an accidental oversight.2


Young Adult Account Details

Discover an account designed for your unique needs. It's the perfect way to manage your everyday spending and build a foundation for your future goals.

Features include:

  • Free to open!
  • No monthly fees
  • Free E-Statements
  • No minimum balance requirements*
  • Manage your account through our secure website portal or highly-rated mobile app

Experience the freedom and convenience of banking designed for you. Open your Young Adult account today and reach your financial goals faster.

Young Adult looks at online Young Adult Account


Young Adult Account Features

Free Debit Card

Enjoy the freedom and security that comes with the VISA debit card.


Bill Pay

Schedule and manage your bills directly within your banking app.

Mobile Deposit

Snap a photo and deposit your checks. It’s that easy!



Monitor your credit score for free and learn how to improve it.



Send and receive money between friends and family members, even if they bank somewhere different than you.**


Start earning cash back
on select debit card transactions!

Have it all checking

All you need is your JHFCU Visa Debit Card and Online Banking. Simply select the offers to activate them, and you’ll earn cash back on your purchases!

Start earning cash back (from a few cents to over $100) on select JHFCU Visa debit transactions.

Take advantage of as many offers as you’d like. And best of all, the system is secure and anonymous—your personal information is NEVER shared with the retailers, so you won’t be bombarded with any external solicitations.

To learn more, visit our Ca$hPerks page.



“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.



Next Steps When Considering a
Young Adult Checking Account

Young Adult Account FAQs

More Checking Account Options

Teen Account


A great starter account for kids and teens aged 13 to 17. Enjoy a free debit card and other great benefits.


Learn More

1 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.”
2 Subject to loan approval
*Offer ends 6/30/24 and subject to change. $25 minimum balance to open account. Share savings account required to open checking account. | Equal Opportunity Lender Federally Insured by NCUA | © 2024 Johns Hopkins Federal Credit Union
**U .S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.