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It's more convenient than ever to access your accounts at Bay Federal Credit Union! With today's technology, it's easy to set up direct deposit for your paycheck, receive wired funds or send money to friends or family through wire transfers. These helpful instructions will get you started!

As always, if you have any questions, our friendly Member Service Representatives are here to assist you. Call us at 831.479.6000 or toll-free at 888.4BAYFED.

Direct Deposit

Please provide companies who may be sending your deposit electronically with the following information:

Financial Institution:
Bay Federal Credit Union
3333 Clares Street
Capitola, CA 95010

ABA/Routing and Transit Number: 321177706

Checking Account Number: Your 8-digit Checking Account Number

Download a Direct Deposit Form:
Direct Deposit Authorization

Wired Funds: Incoming

If you are having funds wired to your Bay Federal Credit Union account, no form is required. To complete the wire transaction, you will need to provide the sender with the following information:

Receiving Financial Institution:
Bay Federal Credit Union
3333 Clares Street
Capitola, CA 95010

ABA/Routing & Transit Number: 321177706

For Credit To: Member Name and 8-Digit Account Number

  • Incoming wired funds must be in U.S. dollars.
  • If the originating financial institution is located outside the United States, additional information may be required to process a wire request.
  • Bay Federal Credit Union is not required to use an IBAN or SWIFT Code (numbers associated with wire transfers in other countries). If an IBAN or SWIFT Code is requested, it may be necessary for the originating financial institution to route the wire through a U.S. Corresponding Bank first, then on to Bay Federal Credit Union.
  • For additional information regarding wire transfers, please review the Electronic Funds Transfer and Remote Deposit Capture Disclosures and Agreements, available at any Bay Federal Credit Union branch and on this website.
  • Incoming wire transfers received Monday through Friday during normal business hours are credited on the business day received. Incoming wire transfers received Saturdays, Sundays, and holidays are credited on the following business day.

If you have any questions or need assistance with a wire transfer, please contact us during our normal business hours at 831.479.6000 or 888.4BAYFED, option 3.

Wired Funds: Outgoing

If you will be sending a wire from your Bay Federal Credit Union account, please use the Wire Transfer Authorization form below for all of the information that we require to process your wire transfer.

Please print and complete the form, then bring it to your local branch for processing.

Download File

Wire Transfer Authorization - Outgoing (PDF file)

Download free Adobe Acrobat Reader (necessary to view PDF documents) 
If you have any questions, please call us at 831.479.6000 or 888.4BAYFED, extension 3.

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