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Your Bay Federal ATM & Visa Debit Card allows you to access your accounts and withdraw cash without paying a fee at all Bay Federal ATMS (see below) and thousands of CO-OP Network ATMs across the U.S. and Canada.
Find the Closest, Surcharge-Free ATM
whether at home, work, or while traveling!
Make purchases, too!
You can also use your ATM & Visa Debit Card to withdraw cash from ATMs displaying the Visa, Plus, or Star logos,* and make purchases from businesses that display the Visa, Star, or Interlink network logos.**
 
Extra Amenities Key:
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Drive–up ATM machine |
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Branch Address |
Extra Amenities |
Map |
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(Click thumbnail map for detailed map with driving directions.)
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Aptos
Aptos Branch
105A Post Office Drive |
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Freedom Branch
2028 Freedom Boulevard |
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Ben Lomond
Coffee 9
9505 Highway 9 |
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Cabrillo College
Aptos
(non-deposit taking)
6500 Soquel Drive
Student Center |
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Cabrillo College
Watsonville
(non-deposit taking)
318 Union Ave
Student Center |
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Capitola Branch
3333 Clares Street |
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Santa Cruz
Cardiff
228 Cardiff Place |
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Santa Cruz
Downtown
106 Church Street |
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Santa Cruz
River Street Branch
420 River Street |
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Santa Cruz
Westside
402 Ingalls Street |
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Scotts Valley Branch
255 Mt. Hermon Road |
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UC Santa Cruz
Bay Tree Bookstore |
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Watsonville
1481 Main Street |
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*Fees may apply for using non-Bay Federal or non-CO-OP Network ATMs.
**Purchases can be made with ATM & Visa Check Cards that are linked to your Bay Federal checking account. Fees may apply for electronic purchases when your PIN is used during the transaction. Ask for details when making a purchase.
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Contact Bay Federal: 831.479.6000
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