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  • View and print your online eStatement for free through eCHIEF Internet Banking
  • Access your statements as soon as they are ready; Stop waiting for the mail to come
  • Receive an email alert when your eStatement is ready
  • Access your eStatements 24 hours a day, 7 days a week, anywhere there is an internet connection
  • Reduce the risk of identity theft and fraud with eStatements by eliminating paper copies
View common questions and answers below.

eStatement Questions and Answers

What is Check 21?
How might Check 21 reduce the risk of fraud?
Will I be able to view my checks online?
Will Blackhawk Bank & Trust charge me a fee to view an online check image?
What is an eStatement, and is it free?
Is it safe to receive an eStatement?
What happens if there is a discrepancy, and I need to show a copy of a check?
What happens if I have check safekeeping?
How do I sign up for eStatements?

 
What is Check 21?
Check 21 (The Check Clearing for the 21st Century Act) is a federal law which went into effect October 28, 2004. It is a means of streamlining the nation's check processing system to allow check imaging. Check 21 is intended to reduce the time and cost associated with the physical transportation of paper checks between banks. It will also reduce the vulnerability of the check payment system from disruptions due to extreme weather or natural disasters. Check 21 allows all banks to replace the original check with a paper reproduction (front and back). This reproduction, called a substitute check, is created from a digital image of the original, contains the same information, and becomes the legal equivalent of the original check.

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How might Check 21 reduce the risk of fraud?
Relying on check images, instead of paper, makes it less likely that an identity thief will be able to access the personal financial information imprinted on your checks. The original check is physically taken out of circulation, and the enhanced security of electronic channels better limits contact with your financial information. Also, electronic processing between financial institutions reduces the time between the check being written and cancelled, so customers should be able to detect forged, altered, or unauthorized items sooner.

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Will I be able to view my checks online?
Yes! By using our Internet Banking products, you will have immediate access to your check images and/or statements online. To apply for our free eCHIEF Internet Banking, or inquire about our business product, eCORP, call or stop by any branch location today.

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Will Blackhawk Bank & Trust charge me a fee to view an online check image?
No, images are free. If you need an image of a check paid within the past 30 days you can access free images directly from your eCHIEF service.

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What is an eStatement, and is it free?
An eStatement is an electronic version of your statement. We will send you an email announcing when your statement is ready, and it will then be posted in your eCHIEF Internet Banking account immediately each month for you to view, download, and save. eStatements are absolutely free! As an added benefit, you will be able to click on an unlimited number of online check images each month.

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Is it safe to receive an eStatement?
Receiving an eStatement can be more secure than receiving a paper statement. Your statement is securely placed in our eCHIEF Internet Banking system, which is protected by several industry tested and perfected firewalls. We are very confident that you can receive eStatements without concern for the security of your account records and information.

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What happens if there is a discrepancy and I need to show a copy of a check?
In the event of a discrepancy, retailers and service providers, including financial institutions, are required to accept the substitute check as proof of payment. The substitute check is the legal equivalent of the original. If you need the information on the back of the check, please call our Bookkeeping Department and we can produce a copy of both sides of your check.

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What happens if I have check safekeeping?
If you have check safekeeping, digital images of your cancelled checks will be stored at Blackhawk Bank & Trust in place of the original checks. You may also view free digital images online with eCHIEF!

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How do I sign up for eStatements?
To sign up for eStatements, you first need to apply for eCHIEF Internet Banking. To learn more about eCHIEF Internet Banking click here. eStatements are free and to apply, only a simple, one page application is needed.

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