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BayFedMobile is a safe, convenient service that allows you to manage your personal Bay Federal Credit Union accounts at any time, from anywhere, on your mobile phone or device.

Our strong encryption technology and multi-factor identification shield your accounts during your mobile banking sessions, providing you with extra protection against unauthorized account access.

Use the BayFedMobile app to:

  • Check balances and recent transactions on accounts under your member number and accounts you own jointly with other members.
  • Transfer funds between your eligible accounts (regular savings, checking, money market, etc.)
  • Deposit checks* with your smartphone (deposited funds will not be immediately available in your accounts).
  • Make payments to your Bay Federal loans and lines of credit (with the exception of VISA Credit Card accounts - we are hoping to add this option soon).
  • Take cash advances from your personal or home equity line of credit.
  • Locate Bay Federal Branches and ATMs.

You can also use BayFedMobile web from the web browser on your mobile device if you do not wish to download the mobile app, or use our text banking option to receive account balances and transaction information on any text-capable phone.

BayFedMobile has compatible options for your mobile phone or device

  • BayFedMobile App: Compatible with iPhone, iPod Touch, iPad, Android smartphones and tablets.
  • Text Banking: Send us a text, we'll text you back with account balances and recent transactions.
  • BayFedMobile Web: App-free version of BayFedMobile created for use on smartphones and mobile devices with internet access.

There is also the Mobile Banking Center: a secure website where you can enroll mobile phones to enable access your account information, cancel enrollment for lost or stolen phones, and access information and tools.

Registration Instructions - BayFedMobile App and Web

  • Download the BayFedMobile app from the App Store or Google Play, launch the app, and select Not registered for mobile banking.
  • Select New User and review and accept the terms and conditions.
  • Verify your identity by entering your personal information:
    • Last 6-digits of your Social Security Number
    • The 8-digit account number from any of your Bay Federal accounts (not your member number).
    • Your 5-digit zip code.
  • Type the characters you see in the box (do not type spaces in between characters) and click continue. If your entry does not match the image, you will be given a new set of characters, or click Refresh to get a new set if you can't read the characters.
  • Select Security Questions, one from each drop-down list, and type your answer in the box below. Make sure to select a different question each time.
  • Create your User ID and Password.
    • User IDs can be any combination of letters, numbers, and special characters.
    • Passwords must be between 8 and 16 characters long and must contain at least 1 upper case letter, 1 lower case letter, and 1 number.
  • Submit your information.
  • If you have already downloaded the app, close your web browser, launch the app, and login to your accounts with your User ID, password, and the answers to your security questions.
  • Web users can choose the link under Web to login to BayFedMobile Web.

Having trouble with registration? A weak service signal can disrupt communication between your mobile device and the BayFedMobile server. If you receive a "session timed out" error message during registration, check the signal strength (i.e. number of "bars") on your mobile device, and move to an area with a stronger signal if the signal strength is 1 "bar" or less. If you continue to have trouble with registration, please contact us during normal business hours at 831.479.6000 or 888.4BAYFED, option 3.

How to Register for SMS Text Banking

Step 1: Choose your login credentials

  • Go to the BayFedMobile registration page at www.bayfed.com/mobilebankingreg.
  • Select New User and review and accept the terms and conditions.
  • Verify your identity by entering your personal information:
    • Last 6-digits of your Social Security Number
    • The 8-digit account number from any of your Bay Federal accounts (not your member number).
    • Your 5-digit zip code.
  • Type the characters you see in the box (do not type spaces in between characters) and click continue. If your entry does not match the image, you will be given a new set of characters, or click Refresh to get a new set if you can't read the characters.
  • Select Security Questions, one from each drop-down list, and type your answer in the box below. Make sure to select a different question each time.
  • Create your User ID and Password.
    • User IDs can be any combination of letters, numbers, and special characters.
    • Passwords must be between 8 and 16 characters long and must contain at least 1 upper case letter, 1 lower case letter, and 1 number.
  • Choose the link under SMS Text to go to the Bay Federal Mobile Banking Center at www.bayfed.com/mobilebankingenroll.

Step 2: Enroll Your Mobile Phone or Device

The enrollment process is an additional security measure that saves information about your mobile phone to our secure BayFedMobile server.

  • Login to the the Bay Federal Mobile Banking Center at www.bayfed.com/mobilebankinenroll with your new User ID, password, and the answers to your security questions.
  • Select Add a phone, then:
    • Choose your mobile service carrier from the dropdown list.
    • Enter your 10-digit mobile phone number (for iPad, iPod, and Android tablet devices, enter your 10-digit home phone number).
    • Review and indicate your agreement with the Terms and Conditions.
    • Select Enroll.
  • Indicate the type of mobile device you plan to use with BayFedMobile.
    • Choose the smartphone to receive a text message from 46379 (Bay Federal's shortcode) with a link to download the BayFedMobile app.
    • Choose the flip phone to receive an activation code. When you receive a text message from 46379 (Bay Federal's shortcode), reply with your activation code to complete the enrollment process for text banking.
  • Click Continue.
  • When you receive a text message from 46379 (Bay Federal's shortcode), follow the instructions to complete enrollment and start using BayFedMobile.
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