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Pack Your Spending Money.
Whats New  
Health Savings Accounts (HSA)    
An HSA may help you and your family stay on top of rising health care costs.  With its special tax benefits, a health savings account (HSA) is a valuable tool for setting aside money to pay for medical expenses.  Make tax-deductible contributions, and enjoy tax-free earnings when you use the assets to pay for qualified medical expenses for you and your family.  HSAs are designed specifically for individuals who have chosen a high-deductible health plan (HDHP).  To find out if your insurance is considered an HDHP contact your HR department or insurance agent to determine if you are eligible.  For more information about HSAs, contact one of our representatives at any BACU office or call 800-526-0579
 
Debit Cards - Take Advantage Of All The Benefits
  • Use Money from your checking account without writing checks
  • Welcome at places that won't accept checks
  • Faster and easier than writing checks
  • Authorization process limits your risk for lost or stolen cards
  • Save on the cost of ordering checks
  • Can be used at millions of establishments and ATMs worldwide

Stop in at any BACU office and apply for your debit card today!

 
Recognizing Phishing, Vishing, and SMiShing Scams

Each scam is described in detail below to help you and your customers identify the fraud types in order
to take preventive measures. A critical element to defeating these attacks is cardholder education.

Fraudsters are continually looking for new ways using current technology to obtain your customers' personal banking information. The following are the types of scams fraudsters use to obtain this information:

  • Phishing
  • Vishing
  • SMiShing

Phishing
Phishing refers to e-mails sent to your cardholders by fraudsters known as "phishers." This fraud is
designed to trick cardholders into providing personal banking information. Phishers attempt fraudulent transactions when they have the basic personal identity or account information that a cardholder provided to them via a fraudulent e-mail. Never respond to any e-mail message that asks you to confirm or validate personal or account information, no matter how legitimate the e-mail appears.

Vishing
Vishing is a combination of the words "voice" and "phishing" and is similar to phishing, but with the use of voice or telephone services instead of e-mail. Vishing scams occur when a fraudster known as a "visher" poses as someone wanting personal information from the cardholder, such as PINs or passwords. There have been reports of vishers leaving voice messages requesting a call back to a toll-free telephone number where the victim can provide his or her personal information. The voice message may identify a specific local financial institution and indicate that personal bank accounts have been frozen. The message advises the person to immediately provide his or her ATM or debit card number, expiration date, and PIN to reactivate the account.

SMiShing
SMiShing is a combination of the words "mobile telephone" and "phishing." Make your cardholders aware that if they use their mobile telephones for online purchases and banking needs, they may be more vulnerable to SMiShing scams. Fraudsters may call someone's mobile telephone or leave a message asking for personal information, such as PINs r passwords, or ask the person they are contacting to provide personal information to verify a purchase. It is especially important to note that using the mobile telephone keypad or keyboard to type personal information may provide fraudsters with the ability to
record the information given to them.

 
The Perfect Gift For Every Occasion!

Don’t know what to buy that “hard to buy for” person on your gift list? No problem!! Give them a pre-loaded VISA gift card. Now they can buy what they want! The Visa Gift Card can be used at thousands of retailers around the world. 

How does it work? VISA Gift Cards can be purchased at any BACU Branch, where the dollar amount is loaded on the card. As the card is used, the amount of each purchase is automatically deducted from the card's available balance.

Gift cards cannot be used for cash advances, pay-at-the-pump gasoline, hotels or car rentals.

How much does it cost?
$3.50 each. Cards can be loaded with $10.00 - $500.00

For more information, contact a Member Service Representative at any of our BACU locations.

 
DIRECT DEPOSIT: It’s About Time…. It’s About Your Money

Direct deposit is fast, easy and safe. When you use it, you have more time to do the things you really want to do. And because it is fast and efficient, your money is working harder than ever.

Millions of people already take advantage of direct deposit for their paycheck. You should too! And remember, there are more ways than you might think to benefit from direct deposit. Click here for some of the more popular ways.

 
FREE Annual Credit Reports

The three nationwide consumer reporting companies have set up one central Web site, toll-free telephone number, and mailing address through which you can order your free annual credit report.

  • Visit www.annualcreditreport.com or
  • Call 1-877-322-8228 or
  • Complete an Annual Credit Report Request Form and mail it to:
                      Annual Credit Report Request Service
                      P. O. Box 105281
                      Atlanta, GA 30348-5281
 
NO FEES AT BACU ATMs

Are you paying $1.00 or more for your ATM withdrawals? There is no fee to our members on BACU owned ATMs. 

Click here for a list of BACU ATMs

 

HomeCU - Home Banking Service

E-mail us at bacu@bacu.org to
Sign Up
for HomeCU

It’s convenient, it’s easy, and it’s free. What could be better than that? With HomeCU, you have effortless access to all the account information you could possibly want.

You’ll enjoy the ability to conduct transactions, all from your home or office computer, at your convenience—day or night. Along with our convenient electronic statements, you now have all the tools you need to bank online.

With HomeCU you can:

  • View current balances, cleared checks, account history.
  • Sort historical data by amount, check number, or type of transaction.
  • Transfer funds to another account and order checks.
  • Download data into MS Money, Quicken, or a text file.

Keeps Sensitive Data Secure

     We take security very seriously. That’s why we made sure the system we chose had built the following security features into their product. In addition to your name and password, HomeCU uses.

  • SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection. .
  • Secure Web servers are protected by firewalls, authenticated with third-party digital certificates, and covered by the latest security precautions.
  • Encrypted passwords are invisible to everyone except the member.

Members can be locked out of the system manually and automatically when a password expires or when they have attempted too many unsuccessful logins.

Getting started is simple

Blackhawk Area Credit Union is pleased to offer this value-added convenient service to members at no charge.  To get started give us a call, stop by any of our four locations, or drop us an email at bacu@bacu.org. It only takes a few minutes to save a world of time.

 
NEW Online Services Commercial

   
   
America's Credit Unions
Equal Housing Lender
ASI Your deposits are insured to $250,000 per account. This institution is not federally insured and if the institution fails, the federal government does not guarantee that depositors will get back their money.
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