Inheritance

Fraud Alert: Spoofing and Scam Calls

During the holidays, there may be an increase in fraud attempts, particuarly spoofing. These scams may involve phone calls or messages that appear to come from Bay Federal Credit Union, asking members to confirm transactions and provide personal or account information, including one-time PINs, online banking credentials, or other sensitive details.

Please remember:
Bay Federal employees will NEVER ask you to share your online banking password, one-time PINs, or full card numbers over the phone, via text, or by email.

If you receive a suspicious call, message, or email:

Do not respond or provide any information.
Hang up immediately if you’re on a call.
Contact us directly at 831.479.6000 or through secure messaging in online or mobile banking to verify and report the incident.

Your security is our priority. Learn more about how you can protect your account and information against Spoofing.

Member Account Verifications

The Supervisory Committee has engaged CliftonLarsonAllen, LLP Certified Public Accountants to complete the annual audit of Bay Federal Credit Union.

In conjunction with the audit, the auditors will select a sample of members’ share and loan accounts to verify account balances directly with the account owner by letter. If your account has been selected as part of the auditing process, you will receive a letter from CliftonLarsonAllen, LLP requesting information on a designated account. Members with multiple accounts may receive more than one letter.

Letters will come from the Minneapolis Service Center of CliftonLarsonAllen via US mail. Members will not be asked to verify their account information by any other means, including electronic.

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Maintenance Calendar

Managing inheritances can feel overwhelming, and even knowing where to start may be a challenge.

Whether your focus is managing an unexpected financial windfall or leaving money to heirs and loved ones, an LPL Financial Advisor is available to walk you through your options and help to safeguard your family’s long-term financial goals.

We can help you:

Review your assets and determine available options
Prepare long-term financial strategies
Bolster your own retirement savings
Set up Beneficiary IRAs

Get in Touch

If you would like an LPL Financial Advisor located at Bay Federal Credit Union to contact you, please complete and submit the following information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bay Federal Credit Union and Investment Services at Bay Federal Credit Union are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services at Bay Federal Credit Union, and may also be employees of Bay Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Bay Federal Credit Union or Investment Services at Bay Federal Credit Union. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

LPL Financial Form CRS: www.lpl.com/CRS

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.

Managing Inheritance and Wealth Transfer

Get in Touch

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