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Shared Branches

Co-opJHFCU wanted to provide access outside our traditional Baltimore footprint, so we’ve teamed up with credit unions across the nation. Through Shared Branching you have access to more than 5,000 convenient locations to perform transactions just as if you were at a JHFCU branch.

Whether you are at work, home, or your favorite travel destination, account access is nearby! Anywhere you see the CO-OP logo you can conduct a range of transactions, which are posted immediately to your account, including:

  • Deposits*
  • Withdrawals
  • Loan Payments**
  • Loan Advances

Many locations also offer:

  • Transfers between sub-accounts
  • VISA and/or MasterCard cash advances
  • Check withdrawals
  • Fax services and copies
  • Traveler’s checks
  • Notary services

When you visit a shared branch you will need to bring:

  • Your JHFCU account number
  • A valid government-issued photo identification, i.e., State Driver’s license, U.S. Passport

For a complete list of participating credit unions, listed by name, zip code or state, please visit our Branch Locator.

*JHFCU check holds apply.
**Some exclusions may apply.

DeposZip

Qualified members* can use DeposZip from home, work, or their mobile device to make deposits 24 hours a day to their JHFCU accounts. That means no more mailing checks, or ATM/Branch visits for a deposit. Whether it’s 12:00 a.m. or 12:00 p.m., our virtual doors are open for many of your banking needs!

How it works:

Mobile

  1. Open your JHFCU App and select “Deposit.”
  2. Select the account to receive the deposit
  3. Enter the check amount.
  4. Snap a picture of the front and back of your endorsed check.
  5. Tap “Submit.”

Computer

How to SCAN checks: For Internet Explorer Only: Using Microsoft Internet Explorer, you can SCAN checks using Active X controls or a Java applet. For first-time access to the new DeposZip site, Active X is the default option. To select Java, click on the “EnableJava” button on the top right. Your selection will be remembered and will be the default for subsequent visits to the DeposZip site.

  1. Ensure that each check is properly endorsed. (Endorsement instructions are available on the help screen.)
  2. Start a new deposit by selecting the ADD NEW DEPOSIT button.
  3. Select the SCAN button. (Information on how to adjust the scanner settings for best performance is available on the help screen.)
  4. Choose a scanner from the dropdown list and select the SCAN button.
  5. Review scanned images by using the FIRST, PREVIOUS, NEXT, or LAST buttons.
  6. Correct orientation, image quality or other errors using the ROTATE, CROP, or DELETE buttons. (A list of common image quality errors and troubleshooting suggestions is available on the help screen.)
  7. Select the SAVE button to continue.
  8. Review the deposit. If there are any items denoted with a red circle*, you must correct them before proceeding.
  9. Select SUBMIT when you are done.

How to LOAD check images: For all browsers
For all other internet browsers or for Mac computers, you will use the LOAD button to upload front and back image files.

  1. Capture check images using scanner utility tool or another predetermined method; save these images in a location to which you can browse.
  2. Ensure that each check is properly endorsed. (Endorsement instructions are available on the help screen.)
  3. Start a new deposit by selecting the ADD NEW DEPOSIT button.
  4. Select the LOAD button.
  5. Select the BROWSE button to choose front and back images captured in Step 1.
  6. Select the SAVE button to continue.
  7. Repeat steps 1 through 6 as necessary.
  8. Review the deposit. If there are any items denoted with a red circle1, you must correct them before proceeding.
  9. Select SUBMIT when you are done.

You'll be notified automatically by email that we’ve received your check deposit. Regular holds apply, and check deposits go through a quality control verification process, to ensure they can clear. Keep your check(s) for two weeks just in case it’s needed for verification. After that, they should be destroyed.


Endorsing Your Checks:

All checks must identify the method of deposit. This is very important as you risk your check being returned or deleted if not properly endorsed. Please review the approved endorsements below:

For a Mobile DeposZip Endorsement:
Signature
Account Number
“For JHFCU Mobile Deposit”
 
For a Desktop DeposZip Endorsement
Signature
Account Number
“For JHFCU via DeposZip”

Depositing Tips:

  1. Endorse the back of your check properly.
  2. Store your check(s) in a safe place for 14 days after receiving confirmation that your deposit has been accepted.
  3. After 14 days, write “Void” on each check you deposit, then destroy or file.

*Basic requirements include a member be at least 18 years of age, and have a satisfactory history of managing their Johns Hopkins FCU account. You must have a satisfactory credit history along with a demonstrated satisfactory checking account history as reported by a Consumer Reporting Agency