BHFCU Online Banking: The Ultimate Guide

Online banking has become a significant part of our daily lives. It is more convenient, faster, and accessible 24/7. Most banks offer online banking services, including Black Hills Federal Credit Union (BHFCU). BHFCU Online Banking is a service that allows you to manage your accounts from anywhere in the world. You can access it using a computer or mobile device with internet connectivity. This guide will give you everything you need to know about BHFCU Online Banking.

BHFCU Online Banking: The Ultimate Guide

What Is BHFCU?

Black Hills Federal Credit Union (BHFCU) is a full-service financial institution in South Dakota. It was founded in Rapid City in 1941 and has since grown to serve over 76,000 members across the state. BHFCU offers various financial products and services, including checking accounts, savings accounts, personal loans, mortgages, credit cards, and many others.

What Is Online Banking?

Online banking refers to the use of internet-connected devices such as computers or smartphones to perform banking transactions without visiting physical bank branches. With online banking services, customers can view their account balances, transfer funds between accounts, pay bills online, set up alerts for account activity, and receive electronic statements.

How to Enroll for BHFCU Online Banking

Enrolling for BHFCU online banking is easy and straightforward. Here’s how:

  1. Visit in your web browser
  2. Click on "Enroll in Online Banking" under "Online Services."
  3. Follow the instructions to complete your enrollment by providing your account information.
  4. Create a username and password.
  5. Accept the terms and conditions.
  6. Verify your identity through a two-step verification process.

Once you have completed these steps successfully, you can now log in to your account on

Features of BHFCU Online Banking

BHFCU Online Banking offers a variety of features to help you manage your finances effectively. Here are some of the most notable features:

1. Account Access

With BHFCU online banking, you can access your accounts from anywhere in the world using any internet-connected device.

2. Pay Bills Online

You can pay your bills online quickly and easily without writing checks or visiting physical branches.

3. Mobile Check Deposit

You can deposit checks using your smartphone or tablet through BHFCU’s mobile app.

4. Transfer Funds Between Accounts

You can transfer funds between your BHFCU accounts or other financial institutions’ accounts electronically.

5. eStatements

BHFCU online banking allows you to receive electronic statements, which are more secure and environmentally friendly.

Security Measures for BHFCU Online Banking

Security is a significant concern when it comes to online banking. BHFCU has implemented several security measures to protect their customers’ information and transactions. Some of the security measures include:

1. Encryption

BHFCU uses encryption technology that scrambles sensitive data during transmission to prevent unauthorized access.

2. Multi-Factor Authentication

BHFCU uses multi-factor authentication (MFA) to verify customer identities through multiple methods such as passwords, security questions, one-time passcodes, and biometrics like fingerprints.

3. Secure Socket Layer Protocol (SSL)

The SSL protocol helps establish secure communication channels between customers’ browsers and the BHFCU servers.

4. Fraud Monitoring System

BHFCU utilizes an advanced fraud monitoring system that automatically flags suspicious account activity and alerts customers of potential fraudulent activities.

Tips for Safe Online Banking with BHFCU

Here are some tips on how to stay safe when banking with BHFCU online:

  • Choose a strong password with at least eight characters that contain letters, numbers, and special characters.
  • Never share your login credentials with anyone, including the bank employees.
  • Always log out of your account when you’re done using it.
  • Keep your computer’s operating system and antivirus software up-to-date to prevent malware attacks.
  • Avoid using public Wi-Fi networks to access BHFCU online banking as they are vulnerable to cyberattacks.

Frequently Asked Questions (FAQs)

1. Is BHFCU Online Banking free?

Yes, BHFCU online banking is free for all members of the credit union.

2. Can I access my BHFCU accounts from my mobile device?

Yes, you can access your BHFCU accounts using the mobile app available for download on the App Store or Google Play.

3. What should I do if I forget my login credentials?

You can reset your password by clicking on "Forgot Password" on the login page and following further instructions. If you need more assistance, contact BHFCU customer service at (605) 718-1818.


BHFCU Online Banking is a convenient and secure way to manage your finances wherever you are. With its robust features and security measures, you can perform transactions with confidence knowing that your accounts are well protected against fraud and unauthorized access. Enroll today and enjoy the many benefits of online banking with Black Hills Federal Credit Union.


What is BHFCU online banking?

BHFCU online banking is a digital platform that allows users to access their bank accounts, monitor transactions, and make payments using the internet.

Why should I use BHFCU online banking?

You should use BHFCU online banking because it offers convenience, accessibility, and security. With this service, you can manage your finances from anywhere at any time while keeping your personal information safe.

How do I enroll in BHFCU online banking?

To enroll in BHFCU online banking, visit their website and click on the “Enroll Now” button. You will be prompted to enter your personal information, account details, and create a username and password. Once complete, you will have access to all the features of BHFCU online banking.

What services are available through BHFCU online banking?

Services available through BHFCU online banking include account balance inquiries, transaction history reviews, bill payments, fund transfers between accounts, and mobile check deposits.

Is BHFCU online banking secure?

Yes, BHFCU Online Banking implements state-of-the-art security measures such as two-factor authentication and end-to-end encryption to ensure that customer’s data is fully protected at all times.

Can I access my statements/transactions with BHFCU Online Banking?

Yes! Through eStatements under Account Management Tab you can view past monthly or quarterly statements & other important notices or returns anytime using your login credentials on our secured servers.

What are the minimum requirements to use BHFCU Online Banking?

The only requirement one needs is having an active membership with us,[Purchase/Opens account] accessible technology(smartphone/laptop) & stable internet connection.

Are there any additional fees when using BHFCU online banking?

No, there are no additional fees for regular use of BHFCU online banking. However, some services like wire transfers and stop payments may have associated fees based on your specific account type.

Is customer support available through BHFCU online banking?

Yes, you can access customer support through the “Contact Us” tab at the top of the page or by calling 1-800-482-2428.

Can I set up automatic payments with BHFCU online banking?

Absolutely! You can easily set up automatic bill payments to ensure your bills are paid on time each month. Simply navigate to the “Bill Pay” section and follow the prompts to create a schedule.

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