Don't worry, you're not alone

At Black Hills Federal Credit Union, we understand that many of our South Dakota members have the same questions. That is why 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?
All BHFCU Debit and Credit Cards works with Apple Pay.
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 3:30 p.m. MST on business days will be credited on that same business day. Deposits made after 3:30 p.m. MST on business days will be credited the following business day. 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 3:30 p.m. MST on a business day, we will consider that day to be the day of deposit. If a deposit is made after 3:30 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 $5,000.

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 $5,000
  • 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
  • Checks requiring authorization code or special verification request
How should I endorse checks deposited using Mobile Deposit Capture?

Checks must be endorsed by all parties listed as payees on the check. “For Mobile Deposit Only at BHFCU” 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 30 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.
What is Money Management?

Money Management is Black Hills Federal Credit Union’s free personal finance system that helps make sense of your money by allowing you to view all your accounts on one screen. Yes, all your accounts! From checking and savings to credit cards, 401ks and IRAs, regardless of the financial institution you use, all accounts and transactions are accessible in Money Management.

How do I activate Money Management?

Log in to Online Banking and click “go to Money Management” on the main screen. Your BHFCU accounts will automatically load.

How do I add an account to Money Management?

Inside Money Management click the Add an Account button on the left hand side of the screen. Search for the financial institution by its name or URL. Select the institution from the list and enter the requested login credentials. **Note: Some financial institutions will require you to complete their Multi-Factor Authentication (MFA) process to pull the account details into Money Management.

Is Money Management secure?

Yes. Using Money Management is safe. We maintain many safeguards for your information, including firewalls, authentication procedures, and SSL (secure socket layer) encryption, as well as other physical defenses.

What if I need help with Money Management?

Once you log in to Money Management, if you need assistance with any of the features, click the “Help” icon, which is a question mark in a circle located on the upper right of the page. You’ll find basic overviews, tips, and the support request form. Of course you can always call BHFCU at 605-718-1818.

What does it cost to use Money Management?

Nothing. It’s a free service to BHFCU members.

Can I use Money Management on the BHFCU mobile app?

Yes! On an Android phone, you’ll find it in the drop-down menu options, and with an iPhone, it’s listed in the “more” menu at the bottom. However, some of the features are only available on the desktop version.

What are the highlights of Money Management?

Visualizing your spending habits by category allows you to interact with your money. The budget tab has a stop-light guide—green when you’re under budget, yellow when you’re close to going over, and red when you’ve spent too much. You can also set alerts for low account balance, payment reminders, and budget guidelines. Managing your money is easier with Money Management.

How do I get rid of duplicate accounts?

Click on one of the accounts that has been duplicated. Click on the three dots on the top right hand corner of account. Click Delete Account.

How do I hide/exclude an account?

Click the Manage Institutions icon or “Add an Account.” Select the account and institution you wish to exclude from the list on the left. Select Exclude Account from options. Click “Exclude” to confirm that you wish to exclude the account.

How do I rename my account?

Click on the account you would like to rename. Click DETAILS (can be found under Account Name). In the Account Name field you can change the name of the Account.

How do I add an outside account to Money Management?

Inside Money Management click the Add an Account button on the left hand side of the screen. Search for the financial institution by its name or URL. Select the institution from the list and enter the requested login credentials. **Note: Some financial institutions will require you to complete their Multi-Factor Authentication (MFA) process to pull the account details into Money Management.

What if my outside account is not in the list of financial institutions?

Click “Add a Manual Account” at the bottom center of the Manage Institutions window to create a manual account. Enter the current balance of the account or the value of the asset. You will need to update this figure manually. Select the account type (e.g., Cash, Property, Credit Card, etc.). Add any additional details requested on the account. Click “Save It” to complete the process.

How do I categorize my transactions?

Transactions will be automatically categorized when they are pulled into Money Management, to change a category simply click on the Category for the transaction you would like to change and select the category that you would like this and future transactions to fall into.

How do I split a transaction?

Splitting a transaction is easy and allows you more control on categorizing your spending habits. Click on Transactions from the Money Management Navigation Bar. Select the transaction you would like to split. Click on the “…” button on the top right to view additional options. Click Split. Enter the amount, category, tags and flags for each line of the split. Click Save to confirm your changes.

How do I exclude a transaction?

Click on the transaction to open the “Transaction Details” window. Click the “•••” button on the top right to view additional options. Click “Exclude”. Click “Exclude” to confirm.

How do I delete a transaction?

Click on the transaction to open the detail view. Click the “•••” button to view additional options. Click on “Delete”. Click “Delete” to confirm.

How do I add a Manual Transaction?

Click on “+ Add” icon on top right, just below the navigation bar. Enter all details of your transaction, including the following: amount, payee, date, category, account, type, and any relevant tags or memos. Click “Save.”

How do I search for a specific transaction?

You can sort your transactions by date, payee, category, account or amount by clicking on the column heading. You can also search by any of these fields by clicking on the magnifying glass and entering your search term in the search bar that appears.

What are the Pending transactions in my Transaction list?

Pending transactions are transactions that have not yet cleared/posted to your account.  These may take 24-48 hours to post on your account based on the Merchant.

Can I stop payment on a VISA debit or credit card purchase?

No. A Visa transaction must be honored once it has been authorized by signature, PIN or online. However, a dispute may be filed afterward in an attempt to recover the charges. BHFCU will provide a temporary credit, as we work with the merchant to resolve the issue.

How can I better help in resolving my dispute quickly?

Working with the merchant directly will usually provide you with a quicker resolution. The merchant has complete access to all your information regarding your purchase and can assist you directly.

How long should I wait for a merchant to issue a credit to my account or for the product I ordered to arrive before I start the dispute process?

You should allow 30 days for the merchant to issue a credit or to receive the product ordered.  We would also suggest getting a confirmation number for any refunds and contacting the merchant about any kind of shipping delay.

If there is a transaction I do not recognize, what should I do first?

If there is anyone else who has access to your card, you should first ask them if they completed the transactions. You should also attempt to contact the merchant, as you may have done the transaction but simply do not recognize the name of the merchant. If you still do not recognize the charge, please contact us right away.

What are some examples of documentation that I may provide to help support my case?

If you have cancelled a transaction, you may provide correspondence between you and merchant, along with cancellation confirmation numbers. If you were supposed to receive a credit, you can provide a copy of the credit slip or confirmation number as evidence showing the merchant promised to honor your request.

What should I do before returning the item?

We always advise you check the merchant's return policy. Some merchants require a Return Merchandise Authorization (RMA) number or have other requirements before you return the goods. When you do return a product, we recommend using a service that can provide a confirmation of delivery with the full address.

Can I dispute a transaction because I was inconvenienced or I didn't receive an expected rebate?

Although the merchant didn't meet your expectations, the transaction cannot be disputed if you received the goods or services. Please work with the merchant directly for resolution.

How do I file a confirmation of fraud?

We are sorry you suspect fraud on your account or card. If the transaction involved your card, contact BHFCU immediately at 605-718-1818 or toll free 1-800-482-2428. If the fraud is associated with your account, contact the Service Center at 605-718-1818, toll free 1-800-482-2428 or visit a branch to speak to a member service associate.

Do I have to pay for a dispute transaction while being investigated?

No. we place a provisional credit on your account while we investigate this transaction.

How long will it take to resolve a fraudulent transaction?

The resolution timeline varies. However, any non-sufficient funds (NSF) or International transaction (ITF) fees associated with the fraudulent transaction will be refunded. BHFCU will then investigate your claim and work with you until it's resolved.

Why did I only receive a partial credit for the dispute I filed?

There are some merchants that refuse to refund shipping, restocking fees or handling charges for the transaction. In these circumstances, you would need to work with the merchant directly for resolution.

I was told the dispute was resolved in my favor, but now the merchant is requesting the funds from me directly?

Unfortunately, the dispute process is not a court of law and does not have any leverage over decisions that the merchant may take with collection agencies or any other legal action. A merchant may choose to pursue the collection of funds outside of the dispute process even if the case was decided in your favor.

What information does BHFCU require when I apply for a credit card?

What information does BHFCU require when I apply for a credit card? You’ll need to provide personal information, including your:

  • Full name
  • Social Security Number
  • Date of birth
  • Physical address (No P.O. Boxes)
  • Estimated income
  • Checking and/or Savings account information
How can I find out the status of my credit card application?

Call us at 605-718-1818 or visit one of our Member Service Centers. If you apply by phone or online, you will often get a response in one business day. However, in some cases we need to collect additional information to make a decision so the process may take a little longer.

When will I receive my new credit card?

If you’re approved by phone or online, you’ll receive your card and welcome materials by mail within 7- 10 business days. You can also visit one of our Member Service Centers to get a card printed right away.

Can my card be mailed to a Member Service Center?

No. For liability purposes, always keep your address current with us so we can mail it to you.

Can I get an Instant Issue card at a Shared Branching location?

No. That is not an available option.

What should I do if I’ve been declined?

If you’ve been notified that you were declined for a credit card at BHFCU, we want to make sure we help you understand why. A paper copy of why you were declined will be mailed to you in 7-10 business days. If you have further questions, call us at 605-718-1818 or visit one of our Member Service Centers.

Can I add an Authorized User to my card?

Yes. You can add Authorized Users by calling us at 605-718-1818 or visiting one of our Member Service Centers. To add an Authorized User to your account, you must be the primary cardholder or secondary cardholder. Adding an Authorized User can be done only if you’ve already been approved, not during the application process.

How can I report a lost or stolen credit card?

By calling 605-718-1818 or by visiting one of our Member Service Centers.

If my card is lost or stolen, how can I make sure that I don’t get stuck with fraudulent purchases on my bill?

Your card comes with $0 Fraud Liability if your card is ever lost or stolen and used without your authorization. Call 605-718-1818 or visit one of our Member Service Centers to begin a dispute.

Will BHFCU charge me a fee if I use my credit card overseas?

Yes. Currently, the fee is up to a 1% of the total purchase. This is a fee charged by Visa, which we pass onto the member.

Do I need to contact BHFCU before using my card out of the country?

Yes. Call 605-718-1818 or visit one of our Member Service Centers.

How can I reduce the amount of interest that I pay?

Doing the following can help you minimize interest charges:

  • If possible, pay your statement balance in full by the 25th of the month to avoid interest charges.
  • Making payments on time of more than your minimum payment each month will reduce the overall amount of interest you pay.
When can I redeem cash from my Cash Back card?

The minimum threshold to redeem your Cash Back is $25.

  • Increments of $25 up to $100
  • After $100, increments of $50 up to $250
  • After $250, increments of $100 up to $500
  • $1,000 and $1,500 increments
How can I view/redeem my Rewards Points or Cash Back?

Both can be redeemed in the following ways:

  • BHFCU OLB and Mobile App widget
  • Scorecardsrewards.com
  • ScoreCard Customer Service - 800-854-0790
  • Rewards Points and Cash Back activity/balance will display on monthly credit card statements
What happens to my Rewards Points or Cash Back if I close my credit card?

Any Rewards Points or Cash Back earned must be redeemed before the card is blocked or the member will lose their Rewards Points or Cash Back.

When is my bill due?

The current bill due date is the 25th of each month. Interest will be charged if the previous month’s balance is not paid in full by the 25th.

Cash Back Value Examples at 1.5%

Spend $1,000 x 0.015 = $15 x 12 months = $180 per year!
Spend $2,000 x 0.015 = $30 x 12 months = $360 per year!
Spend $5,000 x 0.015 = $75 x 12 months = $900 per year!

Who is not eligible for the Introductory Offers for new credit cards?

New credit card loan Introductory Offers and rates are NOT available,
i. to Primary member of any open credit card loan product, or
ii. when closing one product type and opening a new product type, or
iii. within 18 months of paying the balance in full and closing any credit card loan product.

What if I do not want an automatic limit increase?

If a member notifies us they do not want an automatic limit increase, we will lower their credit limit to where it was and we will ask them if they want to be excluded from future automatic limit increases.

Why did we choose the Visa Rewards card to convert from Rewards Points to Cash Back?

We needed a Cash Back card per employee survey suggestion. Rewards card was a duplicate product to the Signature Rewards card (only difference was the limits). No mass reissue of cards was needed by going this route. It had the least impact on members. Rewards credit cards with accrued Rewards Points (5,291 eligible cards).

  • Approximately 276 cardholders (5%) with enough points to redeem for an airline ticket (> than 38,000 Rewards Points – this is a low estimate of the # of Rewards Points needed to buy airline ticket).
  • Approximately 3,200 cardholders (61%) with less than 6,900 points.
  • 6,500 minimum points needed for retail gift cards.
  • Approximately 2,300 cardholders (44%) with less than 3,500 points.
I never received any notice of this change

An informational letter of the changes was mailed to each primary member with an open credit card loan on January 24, 2020, and also mentioned on the January 2020 statement. For cards opened less than 1 year by 4/1/2020, a letter was mailed to them at the 1 year anniversary of their card being opened.

Why did we choose the Visa Rewards card to convert from Rewards Points to Cash Back?

We needed a Cash Back card per employee survey suggestion. Rewards card was a duplicate product to the Signature Rewards card (only difference was the limits). No mass reissue of cards was needed by going this route. It had the least impact on members. Rewards credit cards with accrued Rewards Points (5,291 eligible cards).

  • Approximately 276 cardholders (5%) with enough points to redeem for an airline ticket (> than 38,000 Rewards Points – this is a low estimate of the # of Rewards Points needed to buy airline ticket).
  • Approximately 3,200 cardholders (61%) with less than 6,900 points.
  • 6,500 minimum points needed for retail gift cards.
  • Approximately 2,300 cardholders (44%) with less than 3,500 points.
Why is my rate going up?

To stay competitive in the market, our rates did increase. Our rates are still some of the lowest in the nation.

What happens if I opt-out of the APR increase on my Signature Rewards or Cash Back loan?

If you choose to opt-out, your credit card loan will be closed and your card will be blocked. However, you will be able to continue to pay down the loan balance at your current APR rate. Any Rewards Points or Cash Back earned must be redeemed before the card is blocked or the member will lose their Rewards Points or Cash Back.

What happens to the existing purchase/cash advance balances after the higher APR is effective?

These balances are protected at 8.90% until paid off. Any NEW purchases or cash advances posting after April 1, 2020, accrue interest at the higher APR.

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.

Who can I send money to with Zelle?

You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person's bank account within minutes1, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

How do I use Zelle®?

You can send, request, or receive money with Zelle®.

 

  • To get started/enrolled, log into your online banking or mobile app and select "Send Money with Zelle®". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle®
  • To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile phone number), add the amount you'd like to send and an optional note, review, then hit "Send." Or start with “Send Money”. In most cases, the money is available to your recipient in minutes.
  • To request money using Zelle®, choose "Request Money", select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review, and hit "Request" 
  • To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
Someone sent me money with Zelle®, how do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Black Hills Federal Credit Union account, typically within minutes1.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Black Hills Federal Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.
What types of payments can I make with Zelle®?

Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.

Since money is sent directly from your Black Hills Federal Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

Neither Black Hills Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I get started?

It’s easy — Zelle® is already available within the Black Hills Federal Credit Union mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle® through your Black Hills Federal Credit Union app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Black Hills Federal Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Black Hills Federal Credit Union of the incoming payment. Black Hills Federal Credit Union then directs the payment into your Black Hills Federal Credit Union account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 605 718 1818 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at 605 718 1818 so we can help you.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Black Hills Federal Credit Union customer support team a call toll-free at 605 718 1818 or get in touch through our support page.

Will the person I send money to be notified?

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.

Is my information secure?

Keeping your money and information safe is a top priority for Black Hills Federal Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Black Hills Federal Credit Union account safe.

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Black Hills Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. An email or mobile phone can only be used at one financial institution and attached to only one account. You will be prompted to decide to move that email or phone to Black Hills FCU. If you wish to move it, choose “Yes, continue” and follow the instructions. If you wish to keep it there and use a separate email or mobile phone with us, choose “No, thanks” and follow the instructions.

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Black Hills Federal Credit Union mobile app using just their email address or U.S. mobile number.

Neither Black Hills Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

What is an ITM?

An ITM is an Interactive Teller Machine that allows you to interact with a live, BHFCU teller through video directly on the screen. You get the same, personalized service from our tellers in a fast, more secure way. 

How do ITMs work?

All you do is Tap for a Teller! Touch the screen, and a BHFCU teller appears. Your transaction works the same.

Will my transaction take longer?

No! We anticipate your transaction will take less time.

Where are ITM Tellers located?

BHFCU ITM Tellers are based out of Rapid City and Sioux Falls, SD. You will get to know these tellers just like you do other BHFCU tellers. 

Why is BHFCU using ITMs?

Interactive tellers allow us to serve members more efficiently and provide expanded hours. You can access drive-up tellers 7 am to 7 pm Monday through Friday and Saturdays 8 am to noon! In-branch, you can quickly take care of everyday transactions with ease. 

Are there still BHFCU employees working in branches with ITMs?

Yes! There are always BHFCU team members available during lobby hours to assist with ITMs, open an account, apply for a loan or provide member service. 

Are ITMs secure?

ITM transactions are very secure. They utilize advanced encryption technology to protect your sensitive information. 

Are ITMs the same as ATMs?

No. ITMs can complete transactions that require a teller. ATMs are used for simpler transactions like withdrawing cash. 

What transactions can I do with an ITM?

Most teller transactions can be done with an ITM. ITMs cannot process cashier’s checks, cash advances, money orders or IRA/HSA Rollovers.

What self-serve transactions are available through the ITM after hours?

You can cash and deposit checks, make loan payments, transfer funds, withdraw cash and view balances 24/7 through a drive-up ITM. 

Are ITMs replacing BHFCU employees?

No! When you use a BHFCU ITM you are served by a BHFCU team member. ITMs require the addition of ITM tellers and additional member experience associates who can assist with ITMs and other branch services. ITMs allow us to focus on providing personalized service and devoting more time to assist members with loans, account questions and financial education. 

What if I don’t know my member number or have a debit card or deposit slip?

You do not need these items! A BHFCU teller will ask questions to confirm your identity. There is even a place to scan your ID. This is one of the ways an ITM will save you time!

Can I put coins in or get coins out of an ITM? What if I cash a check and it is not an even amount?

ITMs are not able to process or dispense coins. When you cash a check, the ITM will treat the transaction as a deposit and a withdrawal. You will be asked which account to utilize for the transaction and the change will be deposited to that account.

Will the same teller handle my transactions? / Can I choose my teller?

You may not always get the same teller. Instead, the next available BHFCU teller will assist you. This helps shorten wait times so you can complete your transactions and get on with your day!

What can I do to get more privacy for my transaction?

For added privacy, you can pick up a built-in handset and speak to a BHFCU teller. 

Are there limits to the number of checks or bills that can be inserted at one time?

BHFCU tellers can handle 40 bills or 30 checks per transaction. Cash and checks are processed separately. If the number of either bills or checks exceeds the limit, you can process them in increments of 40 or 30 until all items are inserted. 

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