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Savings
Our Business Membership Savings is the first account you'll open with Bay Federal Credit Union.
- Establishes your Credit Union membership
- Maintains your rights and privileges as a Credit Union business member
- Ensures your eligibility to apply for all Credit Union business products and services
Money Market & Titanium Business Savings
Maintain the liquidity of your deposits and realize higher interest returns with our Business Money Market and Titanium Business Savings accounts1. See our current rates for more information.
- Maximize interest earnings on liquid deposits without time restrictions
- Tiered interest pays higher rates on larger balances
- Money Market - minimum opening deposit of $1,5002
- Titanium Business Savings - minimum opening deposit of $25,0003
Certificates
Lock in a fixed interest rate for a specified period of time and earn the highest rate of return on your investments. See our current rates for more information.
- High return on your investment
- $1,000 minimum deposit
- Terms up to 5 years
- Jumbo rates available for $10,000 +
Checking
Choose the checking account that fits your business needs. Ask for our easy-to-use switch kit to move from another financial institution.
Compare Our Checking Products:
Key:
•Business Checking
•Business Checking Plus
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| Open your account with as little as $50 |
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| No monthly service charge |
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| Free online banking |
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| Free ATM/VISA Debit cards for multiple users |
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| Free Notary Service (up to 3 per year) |
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| Free use of debit and ATM cards at over 25,000 CO-OP ATMs in the US and Canada†† |
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| Tiered interest on balances over $2500
(Please see current rates) |
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Business Electronic Services
Visa® Business Debit Cards
- Make purchases from your Business Checking account wherever Visa® Debit cards are accepted
- Free use of thousands of CO-OP ATMs across the nation
ATM Cards
- Deposit-only cards available for employees or bookkeepers
- Surcharge-free use of thousands of CO-OP ATMs across the nation
- Check account balances
- Transfer funds between accounts
- Obtain cleared check information
- View and print account statements
- Pay bills and employees with Business BillPay
BayREWARDS
- Earn BayREWARDS4 points for purchases made with your Visa® Business Debit Card
- Redeem your points for gift cards, merchandise or travel
Merchant Card Processing, Payroll and Tax Services
Ask us for a list of providers that can assist you directly with:
- Payroll management
- HR compliance
- Tax assistance and more
Business Benefits
Investment Services
Plan for the financial future of your business and employees. Contact the CFS Investment Advisors5 of Bay Federal's Investment Services Department at 831.479.6000, option 7.
- Set up a 401(k) or other retirement plan
- Invest in IRAs, mutual funds, stocks and bonds
- Purchase insurance, annuities and more
BayADVANTAGE For Employees
Expand your employee benefits package by sharing the benefits of Credit Union membership with your staff. Special programs and incentives are available to qualified employee groups.
Use these convenient fill-in applications and informational resources!
Bay Federal Credit Union Business Account Applications & Disclosures
Business Online Banking
BayREWARDS for Visa® Business Debit Cards
- Merchant Card Service Provider
- Payroll & Tax Services
- Local Business Lenders
Business Counseling, Information and Promotion
Local Chambers of Commerce
Local, State and Federal Websites
- FTB Business web page - Information on business structures (sole proprietorship, corporation, etc.), tax forms, filing requirements and more
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