The ACH (Automated Clearing House) network provides a way to allow transactions to be debited and credited to your account much faster than checks (typically 1-2 business days). JHFCU accepts ACH transactions for checking accounts only.* Savings debits may only be processed in a JHFCU branch, from an ATM, or with a withdrawal request through Online Banking.

Examples of ACH credit transactions include direct deposit of payroll and IRS refunds. ACH direct debit transfers are items such as consumer payments on utility bills, insurance premiums, mortgage loans, and other bills. Using ACH payments can help reduce errors associated with writing and/or mailing checks along with save resources (paper, ink, fuel to transport checks, etc.)

*For all accounts except those described as checking accounts, JHFCU does not permit the transfers of funds to a third party by means of a pre-authorized or automatic transfer. Pre-authorized or automatic transfers can be described as a transaction were authorization, verbal or written, was obtain by the originator to debit or credit the receiver’s account. JHFCU does not allow debits to those account deemed savings account via the ACH network.