Checking Accounts
Whatever life looks like for you, there's a BayFed Checking Account to match.
Get Paid Early
Get paid up to 2 days early with Direct Deposit**
Free Checking Accounts
for members under age 26 and for members age 66 and over
Peer-to-Peer Transfer
Send money to friends and family
Mobile Wallet
Pay on-the-go with your mobile wallet
Card Management
Set limits and manage debit card use
Instant Issue
Get a new debit card in-branch anytime
30,000+ ATMs
Surcharge-free ATM use through the CO-OP Network
Financial Wellness
Resources for all ages, including GreenPath financial counseling
A Checking Account for Every Stage in Life...
BayChecking
Our most popular, flexible account
- Move money with Checks, Debit Cards, and Digital Services
- Opt-In Courtesy Pay covers overdrafts
- $10 monthly service fee waived with any of the following:
- Monthly direct deposit of $500 or more
- 10+ Visa® Debit Card purchases per month
- Maintain a minimum daily balance of $1,000 in BayChecking account
- Maintain minimum combined balances of $15,000 in deposit and loan accounts
Horizon
For those who maintain higher balances
- Earns dividends and 0.50% APY bonus on Titanium Savings (with eStatements, $1,000+ direct deposit, and 15+ debit transactions per month)
- Access any ATM anywhere without fees - up to $25 per month, per account reimbursed for out of network ATM fees
- $15 monthly service fee waived with minimum combined deposit balances of $15,000
HarborLight
Simple and stress-free checking solution
- Zero overdraft fees — no overspending
- Debit cards allow access wherever life takes you
- Low $5 Monthly Service Charge easily waived with any direct deposit, or 10+ Visa® Debit Card transactions per month
BayTeen
For young members just getting started
- Tailor made for 11 to 17 year olds
- Learn money management using a debit card and mobile banking, with safeguards to prevent overspending
- No overdraft fees to worry about; more time to prepare for their financial future
- Stress free – No monthly service charges
Checking Account Details
BayChecking
Our most popular checking account provides flexibility, with debit cards, online and mobile transactions, and checks. The BayChecking account ensures your transactions are covered with Opt-In Courtesy Pay and higher debit card limits for big purchases.
BayChecking has an easy-to-waive $10 Monthly Service Fee* to keep your mind at ease while saving you cash.
Horizon Checking
The Horizon Checking account is perfect for members who maintain high balances in their deposit accounts.
Horizon members earn dividends in their checking account and can earn a bonus .50% annual percentage yield on their Titanium Savings account when they enroll in eStatements, have a direct deposit of over $1,000, and use their debit card 15 or more times in a month.
HarborLight Checking
Keep spending simple and stress-free with our HarborLight Checking Account.
Enjoy this digital focused checking account, utilizing mobile banking and debit cards to move and spend money, all while ensuring your don't overspend with zero Overdraft Fees, and an easy to waive $5 Monthly Service Charge.*
BayTeen Checking
Designed for young members along the Central Coast, our BayTeen checking account helps teens grow financial independence through debit card and digital solutions.
The BayTeen supports learning money management skills with an account that has zero Overdraft Fees, and no Monthly Service Charges.*
You can select your choice of these local images to appear on your debit card.
Visa® Debit Cards
Your Bay Federal debit card makes everyday purchases quick and convenient while keeping your spending directly connected to your checking account.
Use it for everyday purchases, add it to your mobile wallet, save it as a preferred payment method in your favorite apps, or use it for recurring expenses already built into your budget.
Your debit card also gives you access to your account at more than 500,000 ATMs worldwide displaying the Visa, STAR, PLUS, or CO-OP logos.
To receive a new debit card, you can do the following:
- Visit a Bay Federal branch of your choice
- Place an order through BayFedOnline
- Call our Member Service Center at 831.479.6000
Direct Deposit
Why wait for payday? With direct deposit at Bay Federal, you could get your paycheck up to two days early! We post your deposit as soon as we receive it, so your money is available sooner.
Set Up Direct Deposit
Please provide companies who may be sending your deposit electronically with the financial institution address, routing number, and your personal checking account number.
Financial Institution
Bay Federal Credit Union
3333 Clares Street
Capitola, CA 95010
Routing/Account Numbers
ABA/Routing and Transit Number: 321177706
Checking Account Number: Your 8-digit Checking Account Number, which you can find on your monthly statement, or in online and mobile banking.
*For full disclosures and important information on fees and charges, please read the current Consumer Fee Schedule and the Truth in Savings Disclosure and Account Agreement for Personal Accounts. In order to qualify for a Checking Account, Visa® Debit Card, members must be clear of any record on ChexSystems.
**Early direct deposit availability depends on when we receive payment information from your payer. Payment timing may vary; early availability is not guaranteed. For full disclosures and important information, please read the current Truth in Savings Disclosure and Account Agreement, and the Electronic Services Disclosure and Agreement.