Don't worry, you're not alone

Many of our members have the same questions, so we've compiled the common questions and answers here to save some time. If you don't find the answers you need, feel free to contact us.
How does my Apple device transmit payment details?

When shopping in-store, simply hold your Apple device in front of a contactless reader with your finger on the Touch ID™ pad. The digital account information stored on the device will be transmitted directly to that contactless reader, not your actual card information.

Which BHFCU card can I use with Apple Pay?

Currently, only the BHFCU Debit Card works with Apple Pay. We hope to add our credit cards in early 2017.

How do I change my default card to my BHFCU card?

The credit or debit card associated with your iTunes account or the first card you add to Apple Pay is automatically your default card. To change your default card:

  1. Go to Settings – Passbook and Apple Pay
  2. Tap Default Card.
  3. Choose your BHFCU card.
Which merchants are participating?

You can use Apple Pay at more than 220,000 locations, including Subway, McDonald’s, Foot Locker, Walgreens, Office Depot, Lynn's DakotaMarts in Hot Springs, Custer and Lead, and others. Visit Apple’s site to see the full list.

How can I contact Apple if I have a device issue?

Contact iTunes Store support
U.S. iPad technical support:
(800) APL-CARE (800-275-2273)
U.S. iPhone technical support:
(800) MY-IPHONE (800-694-7466)

What is Mobile Deposit Capture?

BHFCU’s Mobile Deposit Capture is a convenient and secure service that gives you the ability to electronically deposit checks into your account. With the BHFCU mobile app, you can photograph the front and back of the check you’d like deposited whenever and wherever it’s convenient for you. To read more about Mobile Deposit Capture, please follow the following link.
Mobile Deposit Capture PDF

Is Mobile Deposit Capture secure?

Yes. As always, BHFCU continues to protect the confidentiality and security of your online financial activities. Mobile Deposit Capture is simply a component of BHFCU’s mobile app. The same technology we use to protect you and your accounts while you’re using our app keeps you protected while using Mobile Deposit Capture.

What do I need for Mobile Deposit Capture?
  • A valid BHFCU account in good standing.

  • A BHFCU Mobile Banking account and the BHFCU mobile app. (Click the link below for information on enrolling in Mobile Banking.)

  • A compatible smartphone with Internet access and a camera.

Mobile Banking

How do I get Mobile Deposit Capture?

If you have the BHFCU mobile app, you already have Mobile Deposit Capture. If not, enroll in BHFCU’s Online Banking, read and accept the User Agreement, and download the BHFCU mobile app from your Apple or Android App Store. You do not need to sign up or download anything extra.

To which BHFCU accounts can I send a Mobile Deposit Capture?
  • Savings

  • Checking

  • Money Market

  • Special Shares

Deposits cannot be made to a Certificate of Deposit, IRA or HSA account.

What is my login ID and password for Mobile Deposit Capture?

You don’t have a separate login and password. To access Mobile Deposit Capture, login to the BHFCU app and select Deposit from the bottom bar.

Do I have to pay for Mobile Deposit Capture?

BHFCU doesn’t charge you any fees for Mobile Deposit Capture. You may want to check with your wireless carrier to verify message and data rates don’t apply.

What type of software does my phone require for Mobile Deposit Capture?
  • Android® (Version 4.3 and above)

    • User installed operating system versions (‘Custom ROMs’) are not supported. Only operating systems installed by the manufacturer/carrier by default are supported.

  • Apple® (Version iOS 8.0 and above)

Can I access my account from more than one smartphone?

Yes, if those mobile phones are added to your online banking account. To do this, select the Self-Service tab in your online banking account and choose Sign Up/Manage My Money.

Can I access multiple BHFCU accounts from my smartphone?

Yes. You can access any account where you have ownership rights.

When will my Mobile Deposit Capture be credited to my account?

Deposits made before 2:30 p.m. MST on business days will be credited on that same business day. Deposits made after 2:30 p.m. MST on business days will be credited the following business day. If BHFCU has a valid email address on file, you will receive notification approximately one hour after your deposit has been credited to your account. Credit union holds may apply.

When will my Mobile Deposit Capture be available for use?

Funds from most deposits made through Mobile Deposit Capture will be available on the second business day after the day you receive credit for your deposit.

If you make a deposit before 2:30 p.m. MST on a business day, we will consider that day to be the day of deposit. If a deposit is made after 2:30 p.m. MST on a business day, the following business day will be considered your date of deposit.

What is considered a business day?

BHFCU business days are Monday through Friday. Saturdays, Sundays and Federal holidays are not considered business days.

Are there any deposit limits?

Yes. The daily maximum deposit is limit is $2,500.

How many checks can I deposit?

You can deposit one check at a time, but multiple deposits can be submitted each day.

What type of checks can I deposit with Mobile Deposit Capture?
  • Personal checks

  • Cashier’s checks

  • Federal Reserve checks

  • U.S. Treasury checks

  • Payroll checks

What types of checks cannot be deposited with Mobile Deposit Capture?
  • Checks greater than $2,500

  • Checks payable to cash

  • Checks in foreign currency or drawn on a foreign bank

  • Postdated checks

  • Unsigned checks

  • Third party checks

  • Checks without a valid endorsement on the back

How should I endorse checks deposited using Mobile Deposit Capture?

Checks must be endorsed by all parties listed as payees on the check. The term, “For mobile deposit only, BHFCU account #___________ ” should be written under the signature before a picture is taken.

How long should I keep my checks after I deposit them?

Checks deposited using Mobile Deposit Capture should be securely retained for 90 days. After this time, the original check may be destroyed.

Are my deposits made real-time?

No. At this time deposits are not real-time. After you confirm your deposit, it will move into a Pending status. The status of your deposit will change to Accepted once the Credit Union has reviewed your deposit and deemed it acceptable to forward on for posting. An accepted status does not mean the deposit has been credited to the account. The credit of the deposit will not occur until later, when we receive and post the credit to your account.

How can I check the status of my deposit?

While in Online Banking, click the Deposit tab, then select View Deposit History. Next to your deposit, an icon will indicate the status of the deposit.

How do I view details about my deposit?

While in Online Banking, click the Deposit tab, then select View Deposit History. A list of your scanned deposits will display. If you select the deposit, you can view the deposit details, along with a copy of the front and back of the check deposited.

How long is my deposit history available for viewing?

Deposit history is available for viewing online for 90 days with your mobile device. Check images captured by your mobile device are available for 45 days. For deposit history or check images older than their available timeframe, contact our Call Center at 605.718.1818 or 1.800.482.2428.

If I have questions or problems, where can I go to receive help?

Mobile Deposit is a user-friendly, self-service product which prompts you at each step. Our Call Center is also available to help; they can be reached at 605.718.1818 or 1.800.482.2428.

What is a chip card?

A chip card, sometimes referred to as an EMV chip card, is a credit or debit card containing a microchip that adds an additional layer of security for fraud protection.

How does chip technology protect my information?

The chip produces a unique, single-use code for each transaction when used at chip-enabled terminals. This technology increases your protection from fraud, card cloning, and other potential compromises.

Where can I use my chip card?

Your chip card can be used anywhere in the world where Visa debit and/or credit cards are accepted.

What if the merchant does not have chip-enabled terminals?

Swipe and sign, or input your check card PIN, the same as always.

Can I still use my chip card for phone or online purchases?

Yes. Nothing changes for phone or online transactions.

Will my debit card account number change?

For non-business accounts, your account number will remain the same. However, the expiration date and three-digit security code will change so you will have to notify merchants that automatically bill your account using your card number.

Business Check cards will have a new account number, security code and expiration date. Merchants and vendors will need to be notified to continue charging business accounts.

How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. We can help you determine exactly how much you can afford.

What are the costs of owning a home?

When you are ready to buy a home you must consider that the monthly mortgage cost is not the only cost you will face. Maintenance costs such as appliances needing repair and utility bills will also come out of your pocket. You should also consider homeowner's insurance as well as association or condo dues depending on your location. Lastly, be sure to remember to allow for property taxes which may be rolled into your monthly payment.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM will likely change. There are advantages and disadvantages to each type of mortgage. The best way to select a loan product is by talking to us.

What are the benefits of homeownership?

Knowing that the house is yours brings you satisfaction in itself. You can enjoy the savings that can come when you deduct your property taxes and mortgage loan interest on your federal income taxes and in most cases your state income taxes too. Because interest will make up a large portion of your monthly mortgage, for many years you will easily see how home ownership can save you on your taxes. With every payment, you build more equity in your house. This equity is like a savings account which you can cash in when you sell your home or use it to borrow against.

How do I know which mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. We can help you evaluate your choices and help you make the most appropriate decision.

What will happen at closing?

At closing, you, your agent, the seller, the sellers agent (in most cases), and the settlement agent, will sit down to go over the legal documents regarding your new home. A good settlement agent will explain what each document means. You should make sure you understand what you are signing and ask questions if you don't. After all the paperwork is signed, you will pay closing cost money and down payment to the settlement agent.

Why update the logo?

In May 1975 – 41 years ago – the emblem of the sun and tree over the hills defined Black Hills Federal Credit Union and those we serve. As we’ve grown and expanded into new areas, we’ve realized the need for a logo that represents all of our members, not just those in the Black Hills.

Why not change the name as well?

Whether you’re new to Black Hills Federal Credit Union or have been a member for life, BHFCU is a trusted and well-known name in the communities we serve. We didn’t want to lose recognition as your local, not-for-profit, financial cooperative.

When will the logo update take effect?

We have already begun the process of replacing our old logo. We plan to phase out the old logo by the end of the year.

Will I need to reorder checks because of the logo change?

No. Our routing number and your account information will remain the same, so you can continue using any checks that have our old logo and they will clear your account as normal.

Will my credit, debit, and/or ATM card(s) still work?

Yes. Your existing BHFCU card(s) will continue to work. However, all cards will be upgraded over time.

What changes will I see at my branch?

We plan to gradually change the exterior and interior signage at our Member Service Centers throughout the year. We appreciate your patience as we make changes to your favorite MSC.

Who should I contact with additional questions?

Please call our Contact Center for more assistance – 605.718.1818

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