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GUEST POST: Identifying Elder Financial Abuse by John Gower of NerdWallet

John Gower is a writer for NerdWallet.com, a personal finance website dedicated to helping you make smart financial decisions. Part I of III: Identifying Elder Financial Abuse: The Signs and the Perpetrators As people grow older, they unfortunately become more vulnerable to certain types of crimes. We all know about the dangers of walking alone at night, or carrying lots of cash, but elder financial abuse is another common risk that many seniors and their families fail to understand. Sadly, it often occurs at the hand of a person the elder knows and trusts. The Centers for Disease Control (CDC) defines financial abuse (or exploitation) as “the unauthorized or improper use of the resources of an elder for monetary or personal benefit, profit, or gain.” More specifically, this means any forging, misusing, or stealing money or possessions from an elder. This includes forcing or deceiving the elder into surrendering his finances, as well as wrongfully using guardianship or power

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Blackhawk Not Impacted by Heartbleed

You may have heard the news reports about the online security vulnerability called Heartbleed. Researchers uncovered it in recent versions of OpenSSL, which is technology that websites use to encrypt communication with visitors to their sites. Unfortunately, this can be used to steal usernames and passwords from websites that use this technology. Blackhawk Community Credit Union has not been affected by Heartbleed and our systems and your information are safe and secure. You can feel confident visiting and using our website, online banking, mobile banking, and bill pay. If you have any questions, please contact our Call Center at 800-779-5555.

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Money Smart Poster Contest

As part of Financial Literacy Month and Money Smart Week, we're holding a poster contest for kids in grades 2-6. Check out the details here and drop your poster off to any Blackhawk branch to be displayed.

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Easter Holiday Computer Scams

Easter Holiday Phishing Scams and Malware Campaigns As the Easter holiday approaches, US-CERT (United States Computer Emergency Readiness Team) reminds the public to stay aware of holiday scams and cyber campaigns, which may include: shipping notifications that may be phishing scams or may contain malware electronic greeting cards that may contain malware requests for charitable contributions that may be phishing scams and may originate from illegitimate sources claiming to be charities US-CERT encourages computer users to use caution when encountering these types of email messages and take the following preventative measures to protect themselves from phishing scams and malware campaigns: Do not follow unsolicited web links in email messages. Refer to the Shopping Safely Online Cyber Security Tip for more information on online shopping safety. Use caution when opening email attachments. Refer to the Using Caution with Email Attachments Cyber Security Tip

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Checking Your Balance Through an ATM or While Shopping

Have you recently used an ATM or gone shopping and noticed that you were prompted to check your balance? Many ATM owners and retailers have started adding balance inquiries to the withdrawal and check-out processes in order to generate more income from fees. Each time you check your balance at an ATM or retailer there is a service charge passed on to Blackhawk from the ATM owner or retailer. Because of this change, the cost of using an ATM that is not owned by Blackhawk and checking out at a store is increasing. Blackhawk is charging $.50 for these types of balance inquiries; however, we provide you with many ways to avoid this fee. There are lots of options to check your savings and checking balances for FREE ! They include: Online banking at www.bhccu.org Mobile banking anywhere, anytime at www.bhccu.org Text for your balance by texting “bal” to 89549* (requires set-up in online banking) Phone banking at 800-779-7778 Talking with us in our Call Center at

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Partnering with the Janesville School District for Financial Literacy

Blackhawk Community Credit Union was recently awarded a grant from the Wisconsin Credit Union Foundation to help offer web-based personal finance lessons to students in grades  K-12 in the Janesville School District. To help accomplish this goal, we purchased 10 iPads that serve as portable teaching devices. Each iPad includes 20 applications that we researched and selected to meet the needs of various grade levels on key financial topics and to appeal to student interests. This summer we have been designing lessons for students to use with the iPads to engage in financial learning and decision-making. Lessons will cover such areas as saving and wealth building, improving creditworthiness and budgeting. We are also training six of our student tellers to be Financial Literacy Student Ambassadors. They will serve as role models and leaders in their schools providing peer-to-peer financial education. With the partnership we established with the Janesville Schools, the District is now

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An Important Message from Blackhawk’s CEO

Call your Legislators today! Help us let our representatives know that credit unions should continue as tax exempt cooperatives. Please read more about what's happening in a letter from Blackhawk's CEO, Sherri Stumpf here and visit www.DontTaxMyCreditUnion.org to help.

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E-Alerts

Want to know when a deposit was made or a large withdrawal was taken from your account? Send yourself an e-Alert by email or text. You have many options to set up notices to yourself. eAlerts are a FREE resource offered to help you take control of your finances. Transaction Alerts - Get an alert for a particular check that clears, deposits, or withdrawal. You set the amount and the type of transactions you want to monitor. Overdraft Alerts - Receive a message when your overdraft protection is activated. Balance Alerts - Be notified when your account reaches a high or low-balance threshold that you determine. It can save you from expensive overdrafts! Loan Alerts - If you have a loan or mortgage at BHCCU, you have many loan alerts options like loan due dates, payment notifications, line of credit balances, and past due alerts. Online Security Alerts -Be sure your online account is secure by sending yourself an alert every time your account is accessed on Online Banking,

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