CardValet and Credit Cards

CardValet now works for both debit and credit cards.  Get the same instant alerts for your credit card that you get with your debit card.  Just add your credit card into the same app and help protect them both with your phone.  (5/31/17)

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CardValet - Let your phone protect your wallet

Click here for CardValet demo

 Payment cards offer both convenience and risk. You can make purchases easily, but if your cards fall into the wrong hands, your personal accounts are vulnerable. Safeguard your information with CardValet, the mobile app that lets you protect your cards against fraud and theft by receiving real-time alerts to ensure your cards are used only by you. (5/1/17)

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New Board Member

We would like to welcome Kelli Garrett, a local realtor, to the Board of Directors. (12/7/16)

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Home Mortgage Center opens

Our Home Mortgage Center is now open at our Lynn Haven location.  Call directly at 850-814-7325 for help in refinancing your current home or purchasing a new one in Bay or surrounding counties.  Click here to apply for a mortgage (10/25/16)

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NSF notification change

We are speeding up notification of insufficient funds notifications (NSF) by exclusively sending them by eNotification in Netbranch.

 

(7/15/16)

Large Cash Transactions

Federal law requires us to report currency (cash or coin) transactions over $10,000 to the government.
Click here for more information

 

(4/22/16)

New counties added for membership

If you live or work in Bay, Gulf, Jackson, Walton or Washington counties, you may now be eligible to become a member of Bay Credit Union.

 

(2/1/16)

Refer a friend, earn up to $50 each

Refer a friend, neighbor, family member or co-worker for services and earn FAST CASH.
Click here for more details

 

(10/8/14)

Services

Overdraft Privilege

There are times when we experience unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be costly, inconvenient and be a potentially embarrassing experience.

At Bay Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide "Member Privilege", a special overdraft service provided for Bay Credit Union members.

What is Member Privilege?

Member Privilege is an overdraft service requiring no action on your part. You don't have to sign anything. Your Member Privilege limit amount will be automatically assigned.

Please call the Member Services department at 850-785-6103 with any questions.

Direct Deposit / Payroll Deduction

Direct Deposit the easiest and most convenient way for you to make deposits. The member service department or any branch location will be glad to assist you in setting this service up. There are no fees involved for the setup of direct deposit.

Bill Pay

Welcome to BAY CREDIT UNION's CLASSIC BILLPAY-e, the fast convenient - and secure- way to pay your bills online. With the bill pay service, we will save you time , make paying bills online worry free, and make your life easier.

HOME BANKING, select Bill Pay on the left side of the page and start today.

Online Bill Pay

AccessBay (Mobile App)

AccessBay is a secure, convenient way to access your bank accounts anytime, anywhere, using your mobile device. With AccessBay you can:

  • View account balances including loans and credit cards with just a touch of a button
  • View account transactions
  • Transfer funds between your checking or savings accounts

Rest assure your information is safe and secure

AccessBay

     

AccessBay Check Capture

Why wait in line? Save your valuable time and gas by using your smartphone to deposit checks from the comforts of your own home on your time schedule. You can make a quick and secure deposit of your checks with our AccessBay Check Capture option. From AccessBay on your iPhone or Android device you enter the deposit details, take a photograph of the front and back of the check and confirm the deposit. Keep your check for your records. With AccessBay Check Capture, it’s like having your own personal branch whenever and wherever you are.

Please click here for a demo.

AccessBay Mobile Deposit

Telephone Teller

Access your account from anywhere with our toll free number!

Toll-free: 1-866-728-9678

With our telephone teller you can instantly:

  • Perform transactions
  • Check available balances
  • Do inquires to your accounts

Our fully automated system will take you step by step.

Popmoney

Send or request money securely and easily between your bank account and just about any person or group with an email or mobile number.

Popmoney

Card Valet

Payment cards offer both convenience and risk. You can make purchases easily, but if your cards fall into the wrong hands, your personal accounts are vulnerable. Safeguard your information with CardValet, the mobile app that lets you protect your cards against fraud and theft by receiving real-time alerts to ensure your cards are used only by you.


For any issues please email complaint@baycu.com