Secure Online Transactions

An Extra Layer of Security for Your Visa Card

Helping Protect Your Online Purchases

 

Beginning November 16, 2026, Blackhawk Community Credit Union will implement Velera’s 3-D Secure (3DS) authentication service for Visa® card transactions. This mandatory security update adds an extra layer of protection to certain online purchases.

When shopping online with participating merchants, you may be prompted to verify your identity using a one-time passcode (OTP) sent by text message or email to the contact information registered in BHCCU Online Banking. You’ll enter this code during checkout to authenticate your transaction.

Please review the terms and conditions below to understand how this service works and your responsibilities when using it.

 

3DS OTP Code Terms & Conditions

For Online Transactions Using Your Debit and Credit Card

Please read these terms and conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you are agreeing to the terms and conditions listed below.

  1. When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in the BHCCU Online Banking system. You must then enter this OTP to complete your transaction on your device’s screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that Blackhawk Community Credit Union is not responsible for the rejection by such merchant to accept your card payments on this basis.
  2. By using this OTP service:
    1. You agree to provide your data required for the transaction authorization process in the use of this OTP service.
    2. You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service.
    3. You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS.
    4. You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions.
    5. You understand that messages and data rates may apply for using this service.



































































































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