Money Matters Fall 2020

’Tis the Season for the Winter Wonder Line of Credit All eligible members can access their available Winter Wonder Line of Credit funds anytime between October 15 and December 15 . We know how important this loan is to many of our members during the holidays, so we’ve outlined the various ways to access your loan. Due to COVID-19 restrictions for branch access, Winter Wonder Line of Credit transfers and withdrawals CANNOT be processed at a branch or through the Call Center. Please review the available options below. STEP 1: You will need to transfer the loan funds to your savings or checking account. • Online or Mobile Banking (FASTEST!) – Log in to your account online after October 15 and make a transfer from the Winter Wonder Line of Credit to your checking or savings account (you will need your Online Banking user ID and password). • TeleBranch24 – Call our automated phone system to make a transfer (you will need your account number and TeleBranch24 PIN— see right ) STEP 2: Use your funds at your convenience. • Go Shopping (FASTEST!) – Use your JHFCU Debit Card to make everyday purchases at stores or online (Checking account required). Need a debit card? Request a card by sending a secure message through Online Banking, calling 410-534-4500 , or visiting our website to make an appointment to visit a branch • Find an ATM – Use your JHFCU ATM or Debit Card card to withdraw cash at one of our more than 50,000 fee-free ATMs nationwide. Visit jhfcu.org to nd an ATM near you (please note, daily withdrawal limit is $1,000). Visit jhfcu.org for more details, or call 410-534-4500, option 8 . How to Enroll in Online Banking Visit jhfcu.org and click “Register here” in the “Account Login” box. Enter your account number and four-digit TeleBranch24 PIN. Forgot Your Password or Locked Out? Visit jhfcu.org . In the “Account Login” box, click “Forgot ID/Password.” Then “Go to Password Reset” and enter the requested information. After you submit, you will receive a temporary password to your email address on le. Update your temporary password when you log in. Passwords must contain three of the four criteria: upper case letter, lower case letter, number, or special character (excluding ~). You cannot use one of your last three passwords. Need help? Call us at 410-534-4500 . NOTE: JHFCU will not be accepting applications for new Winter Wonder Lines of Credit in 2020; only members who were approved previously and paid as agreed will have access. Need funds? See page 6 for information on our Holiday Loan. Transfer with TeleBranch24 1. Call 410-534-4500 and press 1 for TeleBranch24. 2. Press 1 to access your account. Enter your account number, then the pound sign ( # ). Please note, account numbers can no longer be used as your User ID. 3. Enter your PIN , followed by the pound sign (#). 4. Press 3 to make a transfer. 5. Press 1 to transfer within this account. 6. Press 3 to transfer from your Winter Wonder Line of Credit to your share savings or checking account. 7. Enter 90 (your loan suf x), then the pound sign ( # ); loan/suf x options will be listed. 8. Enter your share suf x , then the pound sign ( # ); share type/suf x options will be listed. 9. Enter the amount you would like to transfer, followed by the pound sign ( # ). 10. Press 1 to con rm transfer. Once complete, press 2 to end the call. 4 MONEY MATTERS | Fall 2020