Exclusive Offer
Hit the road this summer with rates as low as 4.49% APR!2
Whether you’re replacing an aging car, making room for your growing family, or finally driving something you love, we’re here to help make it happen.
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Young Adult Checking
Checking that grows with you.
With simple features and no unnecessary barriers, our Young Adult Checking account helps you stay on track today while building a healthier financial future.
Send & receive money directly from your account
NO Fees or Minimums
Enjoy Cash Back on Select Transactions
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Young Adult Checking
Open the gateway to financial freedom and take charge of your finances with an account that can keep up with you! Whether you’re starting your financial journey, or looking for an account to suit your needs, build your future on a strong foundation without worrying about account minimums or fees.
Plus, earn cash back on qualifying purchases with Ca$hPerks!1
Features & Benefits
- Available for ages 18-24
- NO minimum balance
- NO monthly fees
- Send and receive money instantly with Zelle®2
- 24/7 access to our range of eServices
- Overdraft options available3
- Access to 30K surcharge-free ATMs nationwide
Earn cash back with Ca$hPerks Rewards – Absolutely Free!
Begin earning cash back, from a few cents to over $100, on select JHCU Visa Debit Card transactions. All you need is our Visa Debit Card and Online Banking to participate. To make things even better, you’re automatically enrolled – no action needed. 1
- When available, your personalized offers will appear in your Online Banking dashboard under Cashback Offers. New offers will be labeled “New” until you click to activate them.
- Make a qualifying purchase using your Visa Debit Card. Be sure to read the offer details!
- Watch your Earned Rewards grow and receive your Ca$hPerks rebate each following month.
Take advantage of as many offers as you’d like. And best of all, the system is secure and anonymous—your personal information is NEVER shared with the retailers, so you won’t be bombarded with any external solicitations.1
Our Rates
Account
Min. Balance
Dividend
APY*
Young Adult Checking
Min. Balance
$0
Dividend
0.05
%
APY*
0.05
%
“I love this credit union! They are very prompt with handling any questions or concerns and really put your needs first. The products they offer are top notch as well! Every time I go to one of the branches the staff is always very helpful and friendly! I am a member for life :)”
–Kristen F.
FAQs
Frequently Asked Questions
What if I no longer want to receive Ca$hPerks offers?
If you ever decide you no longer want to receive Ca$hPerks offers, you can opt out by selecting View All Offers, then Settings, and choosing Opt Out.
How does Ca$hPerks Rewards work?
Begin earning cash back, from a few cents to over $100, on select JHCU Visa Debit Card transactions. All you need is our Visa Debit Card and Online Banking to participate. To make things even better, you’re automatically enrolled – no action needed!
- When available, your personalized offers will appear in your Online Banking dashboard under Cashback Offers. New offers will be labeled “New” until you click to activate them.
- Make a qualifying purchase using your Visa Debit Card. Be sure to read the offer details!
- Watch your Earned Rewards grow and receive your Ca$hPerks rebate each following month.
Take advantage of as many offers as you’d like. And best of all, the system is secure and anonymous—your personal information is NEVER shared with the retailers, so you won’t be bombarded with any external solicitations.
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®!
Contact Us
Ask about our
Young Adult 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 Yield
1Each offer comes with terms and limitations. Minimum purchase may be required; see offer for details. Some retailers limit the amount per offer, but there is no limit on the total amount you can earn from multiple offers. Cash back will be credited to your account the last day of the following month from which it was earned (e.g., cash back earned on purchases made in July will be credit the last business day in August). To opt out, simply click “Stop Receiving Offers.”
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.”
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.”
