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Bay Federal Does Home Loans

Bay Federal Credit Union takes the safety and security of your accounts, our technologies, branches and our members very seriously. We utilize state of the art technology to keep your account information safe and secure. Our branches and ATMs are equipped with security cameras, and employ the assistance of local alarm and security companies for the monitoring of all of our locations. Help us maintain the security of your credit union by being aware of your surroundings, and feel free to report suspicious activity to the police immediately.

10 Tips for Safe ATM Use

  • Where possible, use ATMs with which you are most familiar. Alternatively, choose well-lit, well-placed ATMs where you feel comfortable.
  • Avoid opening your purse, bag or wallet while in the queue for the ATM. Have your card ready in your hand before you approach the ATM.
  • Be especially cautious when strangers offer to help you at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction. You should not allow anyone to distract you while you are at the ATM.
  • Stand close to the ATM and shield the keypad with your hand while keying in your personal identification number (PIN).
  • Keep your printed transaction record so that you can compare your ATM receipts to your monthly statement.
  • Don’t be in a hurry during the transaction, and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.
  • Memorize your PIN (if you must write it down, do so in a disguised manner and never carry it with your card.
  • Never disclose your PIN to anyone.
  • Do not use an obvious and guessable number (like your date of birth) for your PIN. It’s also important to change your PIN periodically, and if you think it may have been compromised, change it immediately.
  • Regularly check your account balance and statements and report any discrepancies to your financial institution immediately.

Please note that you should show the same precautionary care when using your card(s) at point of sale or PINpad terminals in a retail environment or when conducting transactions online, over the phone, or when writing checks.

For additional information, please see our Fraud Prevention Page.

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