Jumbo Home Loans

Our Jumbo Loan rates have never been lower!* Learn more

Dream Home - Bay Fed Jumbo Loans

Receiving Cash from ATM

Your Bay Federal 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!

  • Use the online CO-OP ATM Locator
  • Download the ATM locator app from iTunes
  • Call 888.748.3266 (888.SITE.CO-OP)
  • Text a street address, ZIP Code, or "City State" to 91989

You can also use your 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.**

Our recently upgraded state-of-the art ATMs have advanced features to improve your ATM banking experience and reduce environmental impact.

  • Deposit envelopes are not required. You can deposit your paper currency or checks directly and help save precious natural resources.
  • Check Images for Easy Record-Keeping – Your receipt will include an image of each check deposited to your account.
  • Reduced Paper Waste – Receipts are printed on both sides.
  • Better Lighting – LED lighting is brighter and uses less energy than traditional light sources.
  • ADA Accessible – All new machines comply with the latest Americans with Disabilities Act requirements, making them easier for all our members to use.

Speak to a Member Service Representative to find out more.

ATM Locations


Ben Lomond

Capitola Branch (3 machines)

Freedom Branch (2 machines, 1 drive-up)

Santa Cruz (8 machines)

Scotts Valley (2 machines)

Watsonville (3 machines, 1 drive-up)

Salinas (1 machine)

mobile apps