College Students

Welcome to Johns Hopkins Federal Credit Union!

For many of you, this might be your first experience managing finances on your own. Between classes, roommates, and everything else on your plate, banking should be simple and stress-free. That’s where JHFCU comes in—we’re here to make sure your financial life is easy to manage, both while you're at JHU and wherever life takes you after graduation.

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Why Open an Account?

☑️✅No minimum balance & no monthly fees
☑️✅Online and Mobile banking with alerts and card controls
☑️✅Send and receive money with Zelle®
☑️✅Deposit funds via mobile check, direct deposit, wire transfer, or at thousands of our shared branches and ATMs
☑️✅On-campus branch and ATMs, plus access to a financial advisor
☑️✅Over 30,000 fee-free ATMs nationwide*

 

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Here's What You'll Need to Get Started

  • $25 deposit to open your savings account (establishes membership)
  • Valid ID (driver’s license, passport, state ID)
  • Proof of eligibility (J-card, class schedule with your name, or JHU tuition bill)
  • Proof of home address (if applicable – dorm assignment, lease agreement, or utility bill)**

International Students: Visit our International Applicants page for additional details. 

 

Join JHFCU today!

Open your account online in minutes or stop by our branch for personalized assistance. Have questions? We're here to help—just reach out!

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Student FAQs

  • Can I open an account if I already have one at another bank?
    Yes! Many students use JHFCU as their everyday account while keeping an existing bank account. You can transfer money between them easily.
  • How do I get my JHFCU debit card?
    Once your checking account is open, you’ll receive a debit card. If you apply in person, you may be able to get it instantly! Otherwise, it will be mailed to you within 7-10 business days.
  • Why isn't my debit card working?
    Your debit card pulls funds from your checking account, not your savings. Make sure you have enough money in your checking to cover purchases—this helps you avoid overdraft fees! You can easily transfer money from savings to checking using our app.
  • How do I send or receive a wire transfer?

    While wire transfers can’t be completed through our mobile app, you can send them using Online Banking on a computer.

    • To send a wire transfer: Log in to Online Banking, go to Online Services > Wire Transfer, fill out the required fields, and submit your request.
    • To receive a wire transfer: Follow the instructions in the document below for domestic or international incoming wires.

    Receiving Wire Transfers

  • How do I transfer money between my JHFCU account and another bank?

    You can send money from your JHFCU account to an external bank account using either our mobile app or Online Banking. To transfer money from another bank to JHFCU, you’ll need to initiate the transfer from that bank’s online platform using your JHFCU account and routing number.

*Includes the CO-OP Network ATMs. Visit jhfcu.locatorsearch.org for a full list of surcharge-free ATM locations. Exclusions apply.
**Other documentation may be required, such as a Social Security card for U.S. citizens. If the home address on the Membership Application does not match your government issued ID or if you are providing a passport.