FAQs

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.

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.

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)

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

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.

• 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

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.

• Savings
• Checking
• Money Market
• Special Shares

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

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.

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.

• 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)

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.

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

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.

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.

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

Yes. The daily maximum deposit is limit is $5,000.

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

• Personal checks
• Cashier’s checks
• Federal Reserve checks
• U.S. Treasury checks
• Payroll checks

• 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

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.

Checks deposited using Mobile Deposit Capture should be securely retained for 30 days. After this time, the original check may be destroyed.

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.

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.

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.

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.

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.

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.

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.

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

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

Yes. Nothing changes for phone or online transactions.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.”

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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

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.

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? 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

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.

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.

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

No. That is not an available option.

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.

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.

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

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.

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.

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

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.

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

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

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.

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.

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!

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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^®.

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.

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.

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.

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.

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.

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

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.

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.

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

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.

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.

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.

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.

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. 

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

No! We anticipate your transaction will take less time.

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. 

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. 

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. 

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

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

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

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

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. 

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!

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.

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!

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

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.