Contrast Checking Accounts | Bay Credit Union

Checking Accounts

Regular Checking Account

Our Bay Checking Account is the account you will use every day!

Golden Opportunity Accounts

The Golden Opportunity Checking and Savings Accounts, exclusive to our members age 60 and over and offer extra benefits (requirement of both savings and checking to receive Golden Opportunity status). Account benefits include:

Banking Services

Visa Debit Card

You can use your VISA® Debit Card instead of cash or checks to make purchases online, or at most retail stores. We have four convenient locations to take cash from your account at those ATM’s. You may also get cash with NO FEE from our friends at Panhandle Educators Federal Credit Union and Innovations Federal Credit Union ATM’s as well as locations nationwide through the All point Network. Visit for locations.


If you are planning to travel out of the area and plan to use your Bay Credit Union Visa Credit or Debit cards, eliminate potential VISA card hiccups by notifying us in advance. We would need to be notified of time and dates to help protect your card against fraud and a temporarily freeze on your card. Due to insurance regulations, we must receive this notification in writing.
How to notify us are:
You may do this by filling out a Travel Notification Form at one of our 4 branches, or you may log in to your online banking account and send us a secure message through the “Messages” section that states your dates of travel, location of travel, and the last 4 digits of the card or cards you would like opened for travel.

Policies/Check 21

Check Clearing Policies

Understand your ability to withdraw funds at Bay Credit Union!

Our disclosure describes your ability to withdraw funds at Bay Credit Union. It only applies to the availability of funds in transactions accounts. The credit union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in the Funds Availability Policy. Please pick up a copy of the Funds Availability Policy at any of our branches.