What is Online Banking?
Personal Online Banking allows you to access your account information 24 hours a day, 7 days a week. With online banking, you can:
- View real-time account balances, check images and history
- 24-hour access to checking, loans and CDs
- Export history to financial software or spreadsheets
- Transfer funds between accounts
- Pay bills online
- Request stop payments
What do I need to bank online?
Banking online is easy. Online Banking works well on most of today's browsers. If your browser does not support these encryption levels, you'll need to update it. The computer operating systems and web browsers certified to access and navigate the Service are continually changing as operating system and web browser updates are introduced. We recommend using the most current operating system available to you on your PC. To get started, simply enroll to receive your log in information.
What do I need to use Mobile Banking?
Mobile Text does not require a smartphone, however, a phone with SMS text messaging capabilities is needed. The Mobile Web and Mobile App do require a smartphone for use of the service(s). When using the Mobile Banking service, please note that there is no charge from Blackhawk Bank & Trust, but message and data rates may apply. Such charges include those from your mobile service provider. Any time you review your balance, keep in mind it may not reflect all transactions such as checks you have written but have not yet been posted to your account.
Do I need extra software or hardware to use Online Banking?
No extra software is necessary. You can access your Blackhawk Bank & Trust accounts from almost any PC that has Internet access. Adobe Acrobat Reader must be installed to view eStatements online.
While cookies are not required to use Online Banking, if cookies are not enabled on the browser, challenge questions may be asked every time you log in to Online Banking from that computer. Enabling Cookies: You may prefer to keep your cookies disabled for privacy reasons. Online Explorer and Firefox allow you to explicitly define websites for which cookies are allowed.
Why do I have to answer challenge questions?
Challenge questions are used as an additional method of authentication when using a public computer or a non-personal computer.
1) For Personal/Home Computers: if cookies are enabled, security questions may be asked if it is the first time logging in with that PC /Browser or if cookies were recently cleared. When asked a challenge question select “This is a personal computer. Register it.” This will store a cookie on the computer and you will not be asked a challenge question the next time you log in from that computer.
2) For Public (non-personal) Computers: When asked, select, “This is a public computer. Do not register it.” This method will not store a cookie on the computer, prompting a challenge question each time you log in from that computer. While cookies are not required to use Online Banking, if cookies are not enabled on the browser, challenge questions may be asked every time you log in to Online Banking from that computer. You may prefer to keep your cookies disabled for privacy reasons. Most browsers allow you to explicitly define websites for which cookies are allowed.
What types of accounts can I view with Online Banking?
With Online Banking, you can view all your Blackhawk Bank & Trust accounts, as well as loans.
How often is my account information updated?
Account information is updated in real-time, offering you the most current information available.
How secure is my personal account information?
Blackhawk Bank & Trust uses the latest Internet security available, including secure communications (SSL), firewalls, 256 bit encryption, and operating systems that have been designed to provide maximum security.
Why am I signed off sometimes and I have to sign in again?
If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
Can I pay bills using Online Banking?
Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)
What type of account is required for Bill Pay?
Bill pay can only be used with a checking account.
May I pay bills from more than one checking account?
How far in advance should I set up a bill payment to ensure it is paid on time?
We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.
Can I transfer funds between my accounts?
Yes, you can transfer funds between any of your Blackhawk Bank & Trust accounts. Please be aware that Regulation D limits the number of times you can transfer out of a savings account. Please see a current terms and conditions brochure for more information.
Do I need to know a person's account number to send them money electronically using popmoney?
No! Popmoney only requires a name and just one of the following: Mobile phone number or email address. Popmoney will use the payee’s mobile phone number or email address to notify them that you have sent them money. It will instruct the payee on how to retrieve the money and no private account information is shared between you and the payee.
Is there a fee to use popmoney?
Yes. Fees are based off of the amount you are sending and how quickly you want to sent it. There are two payment delivery options: next day delivery (fee applies) or Standard Delivery: 3 business days (no fees). Please refer to the banks fee disclosure for the specific fees associated with Popmoney. Popmoney will also display the appropriate fees prior to submitting the payment.
Can I view my statements online?
Yes! You may choose to have your monthly statements uploaded directly to your Online Banking account for easy viewing! eStatements are absolutely free! An eStatement is an electronic version of your statement. We will send you an email announcing when your statement is ready, and it will then be posted in your Online Banking account immediately each month for you to view, download, and save.
Is it safe to receive an eStatement?
Receiving an eStatement can be more secure than receiving a paper statement. Your statement is securely placed in our Online Banking system, which is protected by several industry tested and configured firewalls. We are very confident that you can receive eStatements without concern for the security of your account records and information.
What happens if there is a discrepancy and i need to show a copy of a check?
Using Online Banking, you are able to pull up, print, and save the front and back sides of any check or deposit ticket posting to your account.
Can I still get a report of my checks if I sign up for eStatements?
Yes! If you received a set of check images with your paper statement each month, you will continue to get an electronic set of check images with your eStatement.
Why is my email address required?
Your email address is very important for two different reasons. One reason is to ensure that you receive a notice that your eStatement or eNotice is available. The second reason is to email your password if you use the “Forgot Your Password” feature.
What should I do if my email address changes?
You are able to update your email address by logging in to eCHIEF Online Banking under Profile.
How does the "forgot your password" feature work?
If you should forget your password you can click on “Forgot Your Password”, enter required information and a temporary password will be sent to the email address you provided for us in a matter of minutes. Once you receive your temporary password, you are prompted to change your password. Changing your password is required for the security of your online account access.
Where can I find the Mobile Banking app?
You can download the mobile banking or tablet app from Android’s Google Play or Apple’s App Store.
Do I need a smartphone to access Mobile Banking?
No! You can access your accounts via Mobile Text. Mobile Text does not require a smartphone, however, a phone with SMS text messaging capabilities is needed. To enroll in the Mobile Text service, login to eCHIEF, go to Profile, then follow the instructions in the Mobile Banking Profile section.
Is Mobile Banking free?
When using the Mobile Banking service, please note that there is no charge from Blackhawk Bank & Trust, but message and data rates may apply. Such charges include those from your mobile service provider.
What can I use Mobile Banking for?
Our Mobile Banking application allows you to check your balance, look up recent transactions, pay bills, deposit checks, and transfer money. You can also find the nearest ATM and branch locations and view your credit score.
How can I deposit checks with the Mobile Banking app?
Our Mobile Deposit feature allows users to make a check deposit via our BhB&T Mobile App. Simply photograph the front and back of your check with your iPhone, Android mobile phone or tablet and submitting that image for deposit to your account. Please note: you must write "for mobile deposit only" on the back of the check before you take a photo or the deposit will be rejected.
How do I get the Mobile Deposit feature?
Anyone who is enrolled in our Online Banking and Mobile Banking is automatically able to use Mobile Deposit.
Is there a fee to use Mobile Deposit?
There is no fee to have our BhB&T Mobile Banking app or to use Mobile Deposit. It is recommended that you check with your wireless service provider, as your provider may apply additional charges.