Exclusive Offer
Earn While You Save
Earn 4.20% APY* with a 11-Month Share Certificate
What are you saving for? We can Help!
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Rewards Checking
Everyday checking built to help you thrive.
Your everyday free account made to move with you, offering convenience, clarity, and the support of a community you trust.
Send & receive money directly from your account
NO Fees or Minimums
Nationwide ATM Access
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Rewards Checking (Share Draft Checking)
Banking should support your goals, not hold you back. That’s why our Checking offers no monthly fees or minimums and dividends on your entire balance—at no extra cost.
Plus, get paid up to two days early with direct deposit, so your money is there when you need it!
Features & Benefits
- NO minimum balance
- NO monthly fees
- Send and receive money instantly with Zelle®2
- 24/7 access to our range of eServices
- Overdraft options available3
- Access to 30K surcharge-free ATMs nationwide
Visa® Debit Card
Open a JHCU checking account and get a free Visa debit card the same day.4
Features & Benefits
- Use any branch in our CO-OP network
- Access to 30K surcharge-free ATMs nationwide
- Built-in EMV chip technology keeps your transactions safe and secure
Our Rates
Account
Min. Balance
Dividend
APY*
Rewards Checking
Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%
“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.
FAQs
Frequently Asked Questions
How do I stop an automatic payment from being charged to my account?
The best way to stop the payment is to contact the vendor who is submitting the request. If they are unresponsive, you may request a one-time or permanent stop payment of ACH debits. You can use a one-time stop payment to stop a single payment for the requested date and amount. A permanent stop payment will cancel all future payments to that vendor.
To request a one-time or permanent stop payment for automated debits, you must complete the Stop Payment Form. Please contact us for assistance.
How can I transfer money with this account?
We offer free ACH Transfers and free incoming wire transfers with this account. If you’re looking to send money to someone else, we also offer Zelle®!
How can I set up a direct deposit?
Processes for signing up can differ by employer, but at the very least, you will need:
- Your twelve-digit account number (provided at account opening, viewable on checks you have for your JHCU account, or on your statement)
- JHCU’s Routing and Transit Number, 252076235.
For more information, click here or talk to your employer.
How does overdraft protection work?
We have several overdraft options to meet your needs. Our Courtesy Payment overdraft option is the standard protection available to all account holders. We also offer courtesy transfers from a Share Savings Account, a Loanmaker Line of Credit, or a Home Equity Line of Credit.
Contact Us
Ask about our
Rewards Checking
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
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Disclosures
*APY = Annual Percentage Rate.
2U.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.
3Our courtesy Payment overdraft option is the standard protection available to all account holders. We also offer courtesy transfers from a Share Savings Account, a Loanmaker Line of Credit, or a Home Equity Line of Credit. Loans are subject to credit approval.
4Must open an account in-branch to receive a VISA® debit card the same day.
A share savings account with a minimum deposit of $1 is required for membership at Johns Hopkins Credit Union. The $1 is not a fee, it gives you a “share” of ownership in the credit union and will be returned to you if you ever decide to close your account. The $1 initial deposit will remain in your savings account unavailable for you to use. If you look at your statement, or in online or mobile banking, you will always see it reflected in your “account balance,” just not in your “available balance.”
