Important Financial Travel Tips
Preparation is the key to ensuring a financially safe and hassle-free trip. Here are some tips to help keep your money safe when traveling:
- Notify us before you will be traveling by downloading the Visa Travel Notification Form (PDF) and faxing to 410-467-0319. This will ensure that your cards aren't suspended for unusual activity.
- Carry only the cards you need for the trip and leave the rest at home. Make a copy of everything in your wallet, including the photo page of your passport. Keep a record of all the cards in your wallet and the telephone numbers to contact should you have to report lost or stolen cards.
- Protect Your PIN—As you would at home, use caution when conducting a transaction at an ATM or point-of-sale terminal by shielding your Personal Identification Number (PIN) with your hand or body.
- Keep your receipts. Save the receipts of all your purchases, and compare them against your financial statements when you return. If you detect any unusual activity, contact us.
- Bring more than one form of payment (three is recommended). Keep two with you and a third in a safe place back in your hotel/room. If one is lost or stolen, you will not be stranded with no means of payment.
Traveling within the United States?
Reach your Johns Hopkins Federal Credit Union account from other credit union locations nationwide! CO-OP Shared Branch network provides thousands of convenient locations where you can perform transactions just as if you were at a JHFCU branch. Anywhere you see the CO-OP Shared Branch logo you can conduct a range of transactions, which are posted immediately to your account, including:
- Loan Payments (except mortgage)
- Transfers between JHFCU accounts
- Money orders, traveler's checks and official check purchases**
To find a complete list of the more than 5,000 participating credit unions, listed by name, zip code or state, please visit our Branch Locator.
*JHFCU check holds apply.
**May not be available at all outlets and locations. Shared Branching is available to members in good standing. Some restrictions may apply.
Keep your Budget in Mind When Planning a Vacation
Brought to you by our partner, Accel Financial Counseling
Create a vacation budget
Decide how much money you can afford for a summer vacation. Review your income, expenses and debt obligations and set aside money for emergency expenses. Then decide how much you can direct towards a summer vacation. This becomes the baseline amount for your travel, lodging, meals and amusement. Add up the estimated costs in advance before making final plans. Then put away money each month into a savings account.
Research vacation options
Use the Internet to get information on sightseeing, tourism attractions and discount travel and lodging. Ask travel agents for information on seasonal discounts. Read the latest travel guides available online, in newspapers and through local visitor and tourism associations. Get advice from friends and relatives who've traveled to places you plan to visit. They can help direct you to places that are fun and affordable.
Plan your itinerary in advance
Map out your daily activities and routes to ensure that you're staying on course and on budget. Unplanned activities can often amount to unplanned spending. And before you know it, your budget will be busted.