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Contact Us

Location and Hours of Operations

Panama City (Main) Office

Mon- Friday 9:00 AM – 5:00 PM

Drive Thru Hours

Mon- Friday 8:30 AM - 5:00 PM
Saturday
(Drive thru only)
9:00 AM - 12:00 PM

Telephone:850-785-6103
Fax: 850-785-5926
Email: memberservices@baycu.com

Panama City, FL 32405
601 Highway 231, Panama City, FL 32405
Get Directions >>


Callaway Branch

Lobby Hours

Mon- Friday 9:00 AM – 5:00 PM

Drive Thru Hours

Mon- Friday 8:30 AM – 5:00 PM

Telephone:850-785-6103
Fax: 850-763-4197
Email: callaway_office@baycu.com

Panama City, Fl 32404
103 South Tyndall Parkway, Panama City, FL 32404
Get Directions >>

Beach Branch

Lobby Hours

Mon- Friday 9:00 AM – 5:00 PM

Drive Thru Hours

Mon- Friday 8:30 AM – 5:00 PM

Telephone:850-785-6103
Fax: 850-230-3765
Email: beach_office@baycu.com

Panama City
7713 Front Beach Rd, Panama City Beach, FL 32407
Get Directions >>

Lynn Haven

Lobby Hours

Mon- Friday 9:00 AM – 5:00 PM

Drive Thru Hours

Mon- Friday 8:30 AM – 5:00 PM

Telephone:850-785-6103
Fax: 850-248-1091
Email: lynnhaven_office@baycu.com

Lynn Haven
1302 Ohio Avenue, Lynn Haven, FL 32444
Get Directions >>


Shared Branching

Through Shared Branching our members can access a network of more than 6,000 credit union branches nationwide. You can also access branches in Puerto Rico, Guam, Italy, Netherlands, Germany, United Kingdom, and Belgium.

When you visit a shared branch, simply provide your credit union’s name, account number, valid photo ID and you can:

  • make transfers
  • deposits
  • withdrawals
  • balance inquiries
  • loan payments
  • and much more!

Shared Branching extends the reach so that you’ve got branches wherever you live, work, or play.
Click here to find a location near you!


If you should have any questions, concerns or need to speak with one of our friendly representatives, you can reach us at 850-785-6103 during regular business hours. You can also email us at memberservices@baycu.com. Please do not include any sensitive information in email, like account numbers, as email is not a secure method of sending confidential information.

Betty The Telephone Teller

Betty, our Automated Telephone Teller, can assist with providing account balances, transfers, payments and can even read you your recent transaction history. Betty can be reached 24-hours a day, 7-days a week at 1-888-427-9397 or by dialing our main line and pressing option 5.

Routing Number: 263281543

LOST / STOLEN Debit or Credit Cards?

Visa Debit Cards

Call Center
Lost or Stolen
Fraud Disputes
Activate or Change Pin #

Visa Credit Cards

Call Center
Lost or Stolen
1-844-267-8390 Option 1, Option 1
Fraud Disputes

1-844-267-8390 Option 1, Option 5