Check images must meet specific quality standards to be accepted for processing. If you receive an “Image Quality Error”, click on “IQ Errors” to see the exact issue detected.
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Common causes include:

• The check image size is too large or too small.
• The front and back images are not the same size.
• The image is too light, too dark, or blurry.
• The image contains excess background noise or shadows.
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For the best results, we recommend depositing checks through the JHCU Mobile App rather than uploading images from a desktop scanner.

Log in to Online Banking on your computer, and navigate to the DeposZip menu.
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1. Click the "Start Check Deposit" button.  
2. Select the folder icon in the upper-right corner of the screen
3. Click on the PDF icon to the right of the deposit to view the deposit details, check images, and download.

Deposits can be scanned into Savings, Checking, and Money Market accounts.

No. The following checks cannot be scanned for deposits:
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• Savings Bonds
• Foreign Checks
• Checks marked with “non-negotiable”
• Incomplete checks
• Post-dated checks
• Altered checks
• Lottery or prize-winning checks
• Previously deposited checks

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. 

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To request a one-time or permanent stop payment for automated debits, you must complete the Stop Payment Form. Please contact us for assistance.

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®!

Processes for signing up can differ by employer, but at the very least, you will need: 
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• Your nine-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. 
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For more information, click here or talk to your employer.

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.

Yes. You’ll get a free VISA® Debit Card that you can use at over 30,000 fee-free ATMs nationwide through our partnership with the CO-OP Network, plus many JHCU ATMs on Hopkins Campuses.

If your Checking Account is closed before your Ca$hPerks cash back reward from the prior month is credited to your account, the cash back reward for that month and any earned during the current month will be forfeited. If your account was closed due to fraud and re-opened under a new number, we will transfer the pending rewards.

No, JHCU does not provide any personal information to merchants. Your VISA® debit card is associated with an anonymous number. The credits from that number are then matched to your Online Banking account on a secure server.

Yes, joint owners can activate and redeem rewards as long as they have an active JHCU Visa Debit Card on the account. However, rewards cannot be used separately by both owners; whoever redeems the reward first will get it.

Your first step is to contact the merchant directly; they can often resolve issues more quickly by reversing incorrect charges. If the problem persists, you can contact JHCU, and we'll assist you in filing a claim through VISA®. Keep in mind, this process may take up to 120 days.

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If you discover fraudulent or suspicious transactions on your credit card, please contact us at 410-534-4500 or 1-800-543-2870 as soon as possible to prevent further damage. For lost, stolen, or otherwise damaged cards, please contact us.

You can pay for your credit card in the following ways:
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• Account Transfers: Transfer money online or in-branch from another account to your credit card. Your payment will be credited immediately, and your balance and available credit will be updated. 
• Online Bill Pay: It takes two business days to credit your account and update the balance. For convenience in paying and tracking all your bills, you can set up JHCU as a Payee, using:
  
  • Your 9-digit JHCU account number (not the 16-digit card number)
  • JHCU's main address:
    
    • 2027 E Monument St, Baltimore, MD 21205
• Telebranch 24: You can use our 24/7 automated phone system to transfer money from a JHCU account to your credit card balance.
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Check: You may use a check to pay your credit balance, sent through the mail or brought in person to a branch.

Yes, you can add authorized users to your credit card account, provided they are 18 or older. To add an Authorized User, a form needs to be completed and signed by the cardholder and the authorized user.

Yes, you can add a co-applicant to the application. A co-applicant has co-ownership of the card and can use it just as the Primary Owner would. The co-applicant is equally responsible for paying off the card's balance.

Our Card Statements cycle ends on the 20th of each month; we send statements a few days after the cycle closes. When you enroll in eStatements for your regular JHCU account, you are automatically enrolled in eStatements for your credit card. The credit card statement will appear on the same screen as your regular account statement.

If you are traveling abroad, please log in to Online Banking to submit a Travel Notification Form or contact us, and we will assist you.

You can make a cash advance at our branches, at an ATM with your PIN, or via Telebranch24. Note that online cash advance transfers are not currently available. Cash advances start accruing interest immediately, and come with either a $5 or 2% fee of the amount advanced each day—whichever is greater.

If your payment arrives after the scheduled due date, you will owe interest for the prior and current billing cycles, which will be added to your next bill. A $25 late fee will also be applied.

You will receive a letter upon approval stating your rate and initial credit limit. Each individual's limit will vary based on credit, income, the number of other unsecured JHCU loans, and other factors.

If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the uChoose website with it.

Once your credit card has been canceled, you will no longer have access to your points or rewards.

Some redemption items can be returned; others cannot. Keep in mind, you don’t receive the points you previously earned upon returning your item. To understand the various redemption policies and processes, please review the uChoose Program Terms and Conditions.

Yes, all cards linked to the same account automatically earn points together. In addition, if you have multiple accounts with us, you can link them together to earn rewards faster. Just visit the Preferences page in the uChoose site to link more accounts to your program.

Yes. Rewards points will expire after 3 years (1,095 days) if not redeemed for merchandise. You will receive a 90-day warning email before point expiration.

To view your point activity history, simply navigate to the Point Details page on the uChoose site. Please note that it may take up to 30 days for transactions to reflect on this page. If you don't see points from a qualified transaction after this period, feel free to reach out to us for assistance.

If you view your account in Online Banking, the credit card will be listed as a Rewards VISA® Card. The card itself will also have the word "REWARDS" on it. Additionally, your monthly statements will reflect whether your card is a Rewards card.

Check payments can take longer than electronic payments. Checks are mailed via the U.S. Postal Service and may be delayed by holidays, weekends, or other factors. Allow extra time for checks to reach payees. Inform them that the check will arrive in a plain envelope, which may not be easily recognizable. 

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If a check is not received within 15 business days, contact us to check if it has cleared or to place a stop payment (a stop payment fee may apply).

If you'd like to opt out of online bill pay, please contact us.

Payment credits depend on when you make the payment, the payment method (electronic or mail), and the vendor's processing method. If the payee isn’t set up for electronic payments or if you choose to pay by check, it typically takes about 10 business days for the payment to be received. When scheduling a payment, the expected receipt date is shown, but this timing is not guaranteed. JHCU cannot influence the processing speed.

Yes! To make deposits with your mobile device, download our JHCU app from the app store and get started with DeposZip—our innovative, on-the-go method of depositing checks.

Yes, our Online Banking system is safe, secure, and reliable. The system will accept three (3) invalid password attempts before locking the account. As an additional security measure, JHCU requires a CAPTCHA code and Multi-Factor Authentication before you can access your account. We advise you not to share your password with others, or to keep it in any place readily accessible to others.

There are several ways to find your account number within Online Banking. You can go to:
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• Online Services > Direct Deposit Information
• Online Services > E-Statements (or by viewing your paper statements)
• Accounts > Export Activity (this puts the account number at the top of the file
• Online Services > Check Request – displays account number
• Online Services > Check Copy – displays account number.

You can conduct transfers, view transactions, verify cleared checks, view account history, receive online statements, make check withdrawals, make deposits (via DeposZip), pay bills electronically via online Bill Payment, access MoneyMap, apply for loans, and much more.

Credit unions are member-owned. Unlike banks, where profits go to outside shareholders, credit unions are owned by the people who use them. When you deposit just $1 with us, you become a part-owner of the organization. Your account works just like a traditional bank account, but with one key difference: the benefits come back to you in the form of better rates, lower fees, and a stronger community connection.

Please have the following documents handy:
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1. Your Social Security or tax ID number
2. Your government-issued ID (i.e. State-issued driver’s license/ID or US passport in English.)
3. Proof of your current physical address may be required if the address on your government-issued ID is not current (i.e. Change of address card from the MVA [Maryland only], voter registration card, valid vehicle registration, recent utility bill*, valid (non-expired) lease agreement/addendum/renewal (to include tenant name(s), address, current lease period, signed by tenant(s) & landlord), recent mortgage statement, recent homeowner's/renter's/car insurance statement*, any piece of mail from another financial institution or government agency sent to the applicant's current address post-marked date within the past 30 days.
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*Recent is defined as within the past 30 days

If you wish to apply for a loan, we may require proof of income, but let’s get your new JHCU account opened first.

No, you may visit any of our branch locations or send an email to answers@jhcu.org

JHCU membership is open to employees, students, alumni and retirees (and their families) of most Johns Hopkins institutions and other affiliated groups. Check our full list of membership eligibility if you have any questions.