Frequently Asked Questions
![Logging In and Joining](https://www.bayfed.com:443/getmedia/439f289d-27f8-4fee-b768-5a1bc19f7482/bay-fed-cards.jpg)
Logging In and Joining
Details on how to login to your account and what you need to become a Bay Federal member.
![Your Account Information](https://www.bayfed.com:443/getmedia/337bf381-af0a-488c-9483-3a22352033fb/checking-accounts.jpg)
Your Account Information
Instructions on how to find, set up, and update your basic account information.
![Credit and Debit Cards](https://www.bayfed.com:443/getmedia/4a90550a-c2ed-4894-978f-1d8d6dfe0506/merchant-card-services.jpg)
Credit and Debit Cards
What to do if your card is compromised, information on purchase rewards, and more.
![Bill Pay](https://www.bayfed.com:443/getmedia/a8d2c390-7d0f-4b15-8e8c-2c78deaac8a1/cudl-auto-smart-hero.jpg)
Bill Pay
Find out how you can best use Bay Federal's free online bill payment services.
![Loan FAQs](https://www.bayfed.com:443/getmedia/76f84e0b-2a7a-42b9-927a-e4af61ad69a1/business-savings.jpg)
Loan FAQs
Bay Federal offers a variety of lending options. No matter the kind of loan you have, we have the answers!
![Move Money](https://www.bayfed.com:443/getmedia/a6619d0e-3a44-4268-8b8e-c0c405e3196b/signature-credit.jpg)
Move Money
Whether you need to pay a loan, or transfer or send money, Bay Federal has options for you.
![Checks and Depositing](https://www.bayfed.com:443/getmedia/5135e449-51f3-45cf-bfac-c13b8b156026/direct-deposit-check-deposit.jpg)
Checks and Depositing
You can order new checks, review deposits, or deposit your paycheck from the comfort of your own home.
![Alerts and Budgeting](https://www.bayfed.com:443/getmedia/4cb15ff8-ae19-43ef-9b69-0ecbb1aa60d8/money-management6e7f49dd18c3603189ecff00006ff843.png)
Alerts and Budgeting
It's easy to link accounts, figure out a budget, and set up alerts for your spending or bill payments.
![Overdraft Protection](https://www.bayfed.com:443/getmedia/82834f98-29bf-425e-8ade-0e7901125283/order-reorder-checks.jpg)
Overdraft Protection
Learn about setting up overdraft protection on your accounts.
![Auto Insurance FAQs](https://www.bayfed.com:443/getmedia/e2cdae0a-67c5-48f5-ab62-7f09bcdbd262/auto-loans-refinance.jpg)
Auto Insurance FAQs
Learn about Bay Federal Credit Union's auto insurance policy.
![Hours and Locations](https://www.bayfed.com:443/getmedia/d25e9256-ff5a-48b5-adc9-7aab3ae6b96e/outside-capitola-branch.png)
Hours and Locations
Bay Federal provides convenient hours and locations, as well as an extensive network of ATMs.
![Contact Us](https://www.bayfed.com:443/getmedia/5d7bbffd-a139-4a4e-b296-b4cdbca2ee81/MSC-2000.jpg)
Contact Us
You may contact us during regular business hours at 831.479.6000 or toll-free at 888.4BAYFED.