Multi-Factor Authentication is a system used to further identify online banking users beyond the username and password. In order to use our online banking service, you must have an online banking username and password. Blackhawk employees do not have access to your password. If your password is entered incorrectly, three times at the login page, your account will be frozen. You will then need to contact the Credit Union at 800.779.5555 to be authenticated and unlocked. If you have simply forgotten your password, use the self-service, "Forgot Your Password"
link to reset your access.
When enrolling to use the online banking product, you will be prompted to choose a username, password, and watermark image. A watermark image is a user-selected image that is used as an anti-phishing device and assures the user that they have logged into the legitimate online banking site.
When you login, your online banking username and password are transmitted via a secure session between your browser and our servers. Your information is 'scrambled' and then sent to our online banking servers where it is 'descrambled' using a unique and temporary key. Please see the "Encryption" tab above for more information.
One of the first times you access your accounts, you will be asked to choose and answer three personal verification questions. During future online sessions, we will ask you some of these questions if we feel there is a possibility that someone other than you is attempting to access your information. You may be asked questions when you log into online banking from an unusual location, you complete a transaction outside the norm, or you exceed a certain dollar amount.
You will be allowed three attempts at answering the challenge questions before you are blocked from the computer or phone on which you failed the question. You will then need to contact us at 800.779.5555.