Skip to Sitemap

BayFed Online

Username

Password

Login Now

First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

Family surrounded by moving boxes

How to Bank From Home

Man depositing a check on his phone

How to Bank From Home

Whenever possible, we encourage our members to utilize our remote banking solutions. There are many functions that make banking transactions quick, efficient, and from the safety of your home. Want to take advantage of remote banking opportunities, but not sure how? We have a list of ways that you can complete common banking needs without entering a branch.

Expand All

How to Deposit Checks

Use the BayFed Mobile app.

Be sure to endorse your check and write “For Mobile Deposit Only” under your signature. Open the app, sign in, and select “Check Deposit” along the bottom of the screen. Then select which account you want to deposit the check into, type in the amount written on the check, take photos of the front and back, and select “deposit.” Be sure to save the paper check for two weeks before securely destroying it.
Use an ATM.

Insert your debit card and enter your PIN. Select “Deposit Checks” and insert the checks into the machine. Confirm the amount written on the checks and select “Deposit.” You may use any Bay Federal ATM, as well as any ATM that is part of the CO-OP ATM Network.
Use the night drop.

Put your checks into a sealed envelope with your full name, member number, and the number of the account that you want the checks deposited into written on it. Drop it in the night depository at any of our branches, 24 hours a day.
Use the US Postal Service.

Mail your checks with a note including your full name, member number, and the number of the account that you want the check deposited into to: Bay Federal Credit Union, 3333 Clares Street, Capitola, CA 95010.

Expand All

How to Get Cash

Use a Bay Federal ATM.

Insert your debit card and enter your pin. Select “Withdrawal ,” then select the account that you want to withdraw money from. Select how much money you would like to withdraw and select “Continue.” Remove your debit card and the cash from the machine.
Use an ATM in the CO-OP Network.

You can withdraw cash sur-charge free from any of the 30,000 ATMs within the CO-OP network. Just insert your debit card and follow the on-screen prompts to withdraw the desired amount of money.
Use your Visa debit card.

While doing your shopping at places like grocery stores, use your Visa debit card to get cash back as you are checking out. After you swipe or insert your card into the reader, select “Cashback” then how much cash you would like to withdraw and enter your PIN. The cashier will give you the cash with your receipt.

Expand All

How to Make Loan Payments

Use Bill Pay.

This service allows you to pay your bills online straight from your Bay Federal checking account. To get started, sign into BayFedOnline and select “Bill Pay” at the top of the screen. Next, enter the name of the organization you are paying. Select which account you want to make a payment from, and then choose the date you want to send it. Finally, enter the amount of money that you want to send and select “Schedule.” Confirm the payment and you’re done!

You can also pay bills through the BayFedMobile app. Open the app and select “Bill Pay” at the bottom of the screen. Then enter the name of the organization you are paying. Select which account you want to make a payment from, and enter the amount of money that you want to send and select “Pay.” Confirm the payment.
Use an online transfer.

Sign into BayFedOnline and select “Move Money” at the top of the screen, then select “Make a transfer.” To transfer within your Bay Federal accounts or to another member (for deposit accounts), choose which account you want to take money from, and in the “To” box choose the loan account that you want to make a payment to. Select a date that you want to transfer the payment on, and then enter the amount you want to pay. When you’re done, click “Make Transfer” and then confirm your transfer. You may set this up as a one-time or a recurring transfer.

You can also transfer money in the BayFedMobile app. Open the app and select “Transfers” at the bottom of the screen. Choose which account you want to take money from, and in the “To” box choose the loan account that you want to make a payment to. Enter the amount you want to pay. When you’re done, click “Make Transfer” and then confirm your transfer.

Expand All

How to Open a New Account

Use BayFedOnline.

Sign into BayFedOnline on select “Additional Services” at the top of the screen, then select “Open a New Account.” You will be redirected to the loan application webpage. Select “Existing Member Account.” Choose the type of account that you want to open and click on the plus icon next to your selected account type. Select any features and then select the box next to “I agree,” before choosing “Add Account.” Back on the main page, select “Continue.”
Use the Bay Federal website.

Visit the application webpage and select “Existing Member Account.” Choose the type of account that you want to open and click on the plus icon next to your selected account type. Select any features and then select the box next to “I agree,” before choosing “Add Account.” Back on the main page, select “Continue.”

Expand All

How to Deposit Cash

Use an ATM.

Insert your debit card and enter your PIN. Select “Deposit Cash” and insert the cash into the machine. Select “Deposit.” You may use any Bay Federal ATM, as well as any ATM that is part of the CO-OP ATM Network.
Use the night drop.

To better support social distancing, we are temporarily allowing our members to use the night drop to deposit their cash. Put your cash into a sealed envelope with your full name, member number, and the number of the account that you want the cash deposited into written on it.

Expand All

Alternatives to Cash and Checks

Use Popmoney.

Use this service to transfer money from your account to a friend or family member’s account. In BayFedOnline, at the top, under “Move Money,” select “Popmoney.” Choose whether you are sending money to a person or to a charity. Select “Add a New Contact,” enter the person’s name and email or phone number, or use a bank account and routing number. Enter the amount of money and when you want to send it (Standard Delivery is free and takes three days; Express Delivery will arrive the next business day for a small fee), and choose the account that you want to send the money from. Then review your transfer summary and select “Send Payment.”

You can also use Popmoney from the BayFed Mobile app. Start by logging into BayFedOnline and at the top, under “Move Money,” select “Popmoney.” Add your recipient’s contact information, and then open the BayFed Mobile app and select “More” at the bottom of the screen. Select “Popmoney” and select your recipient’s name. Select “Send Money” and then “Confirm.”
Use Bill Pay.

This service allows you to pay your bills online straight from your Bay Federal accounts. To get started, sign into BayFedOnline and select “Bill Pay” at the top of the screen. If you are not registered for Bill Pay, follow the on-screen instructions to enable the service. Then enter the name of the organization you are paying. Enter your account number from the organization, re-enter the account number to confirm, add a nickname to the payee, enter the billing address, and select “Add Payee.” Now that you are ready to make a payment, select the payee, the account that you want to make a payment from, and then choose the date you want to send it (Please account for delivery time to ensure that your payment arrives by its due date). Finally, enter the amount of money that you want to send and select “Pay.” Confirm the payment and you’re done!

You can also pay bills through the BayFedMobile app. Open the app and select “Bill Pay” at the bottom of the screen. Then enter the name of the organization you are paying. Select which account you want to make a payment from, and enter the amount of money that you want to send and select “Make Payment.” Confirm the payment to finish.
Use your Visa debit card.

To make purchases online, choose “Credit Card” as your method of payment at checkout. Enter the 16-digit number on the front of your card, the four-digit expiration date, the full name on the card, and the three-digit CVV number on the back of the card. Continue with checking out until you reach a page that confirms your purchase. To protect yourself from fraud, be sure that you are confident in the website you are using before entering your debit card information.

To make purchases in-store, use the card reader at the register. When the reader or the cashier prompts you, enter your card into the bottom of the card reader. The reader will ask you to enter your ATM PIN, and then will ask you to confirm the purchases amount. Once you confirm your purchase, you can remove your card.
Use your Visa credit card.

To make purchases online, choose “Credit Card” as your method of payment at checkout. Enter the 16-digit number on the front of your card, the four-digit expiration date, the full name on the card, and the three-digit CVV number on the back of the card. Continue with checking out until you reach a page that confirms your purchase. To protect yourself from fraud, be sure that you are confident in the website you are using before entering your debit card information.

To make purchases in-store, use the card reader at the register. When the reader or the cashier prompts you, enter your card into the bottom of the card reader. The reader will ask you to ask you to confirm the purchases amount and then will ask for your signature. Once you confirm your purchase, you can remove your card.
Use a mobile wallet app.

You can use a mobile wallet app to make purchases in-store and online. Because these apps differ by phone type, the following instructions are an approximation of what you will need to do to get started in a mobile wallet app. Open the app on your phone and select “add card.” The app may ask what type of card you want to use, and it will ask you to enter the 16-digit number on the front of your card, the four-digit expiration date, the full name on the card, and the three-digit CVV number on the back of the card. The app will then check to make sure all of the information is correct before telling you that the card is now available in mobile wallet.

To make purchases online, select “Credit Card” at checkout, and then tap on the entry box for the card’s 16-digit number. A menu will drop down with a list of the cards you have available in your mobile wallet app. Select a card, and enter the card’s three-digit CVV number. The card’s information will then auto-populate in your web browser or app, and you can continue checking out as normal.

To make purchases in-store, make sure that the card reader at the register has mobile wallet technology enabled. If it does, activate your mobile wallet app and hold it close to the reader. Your phone will communicate with the reader and securely pay for your purchases.

Expand All

How to Apply For a New Loan

Use BayFedOnline.

Sign into BayFedOnline and select “Additional Services” at the top of the screen, then select “Apply for a Home Loan” for a mortgage or “Apply for a Loan or Credit Card.” For a home loan, you will be redirected to the Bay Federal Home Loans webpage where you can click on the red “Apply” button to get started. At the bottom of the next page, you will enter your member number and choose what kind of loan you want to apply for. Select “Continue” to fill out the rest of the application.

To apply for a vehicle loan, personal loan, or a credit card, you will be redirected to the loan application webpage. You can then select what kind of loan or credit card you are interested in.
Use the Bay Federal website.

To apply for a home loan, you can visit our Bay Federal Home Loans webpage where you can click on the red “Apply” button to get started. At the bottom of the next page, you will enter your member number and choose what kind of loan you want to apply for. Select “Continue” to fill out the rest of the application.

To apply for a vehicle loan, a personal loan, or a credit card, you can visit our loan application webpage. You can then select what kind of loan or credit card you are interested in.

Expand All

How to Request a Visa Debit Card

Use BayFedOnline.

Sign into BayFedOnline and select “Secure Forms” at the top of the screen, then select “Debit or Credit Card Request.” Fill out your information on the next page, including which photo you want to appear on your debit card and whether you are requesting a new, replacement, or reissued debit card.
Call the Member Service Center.

Our Member Services Representatives are happy to issue you a card over the phone. Call our Member Service Center at 831.479.6000 or 888.4BAYFED. Your new debit card will be mailed to the mailing address we have on file.

Expand All

Alternatives to Using BayFedOnline and the BayFedMobile App

Use BayPhone.

Access your accounts with our voice response system. Just dial 831.479.6000 (888.4BAYFED outside Santa Cruz County) and enter your BayPhone PIN. To set up your PIN, call 831.479.6000 and select option 1. Once you have a BayPhone PIN you can get your account balances, transfer funds between accounts, make Visa or other loan payments, find out which checks have cleared, stop payments on checks, and more.
Call the Member Service Center.

For inquiries about your balance and accounts, to make appointments, and to cancel cards and checks, call our Member Service Center at 831.479.6000 or 888.4BAYFED.
Mail payments and deposits.

Mail your checks with a note with your full name, member number, and the number of the account that you want the check deposited into or the account number of the loan to: Bay Federal Credit Union, 3333 Clares Street, Capitola, CA 95010. Checks are processed the business day they are received.

Expand All

Alternatives to Filling Out Forms In-branch

Use BayFedOnline.

You can securely fill out and submit many of the same forms online as you can in a Bay Federal branch. Sign in to your BayFedOnline account and click on the "Additional Services" or “Secure Forms” tab to see what your options are. You can do things like request a credit card limit increase, dispute a charge on your card, reorder checks, and more.

Expand All

Alternatives to Monthly Paper Statements and Tax Documents

Sign up for eStatements.

Sign in to your BayFedOnline account, click on the "Additional Services" tab, then select "eStatements." Read the eStatement Consent Agreement, enter your email information, then click on “Accept.” You will be asked to confirm your email address. Once you confirm that your email address is current, select "Yes." You will receive an email with a one-time verification code. Enter the code in the BayFedOnline screen in your web browser and select "Verify." You will be able to view up to two years of statements through this portal for all of your accounts and account types.

Bay Federal at your fingertips. Download our mobile apps for iPhone and Android now!