Bay Federal Credit Union has six branches in California: Aptos, Capitola, Freedom, Santa Cruz, Scotts Valley and Watsonville. Its customers have access to surcharge-free Bay Federal ATMs and thousands of CO-OP Network ATMs nationwide and in Canada. Its offerings include business checking and savings accounts, business debit cards and investment services. It has an A Better Business Bureau rating and generally positive reviews online.
To be eligible to become a member of Bay Federal Credit Union, you must live, work, attend school, worship or volunteer in Santa Cruz, Monterey or San Benito counties or be an immediate family member of a Bay Federal Credit Union member.
Bay Federal Credit Union Business Checking Rates & Fees
|Business Checking||Business Checking Plus|
|Monthly Fee (charged if minimum balance requirement not met)||$10 per month||$15 per month|
|Minimum Daily Balance Requirement|
|Wire Transfer Fee|
Outgoing (domestic): $25
Outgoing (international): $45
|Cash Deposit Fee|
Bay Federal Credit Union Network
Bay Federal Credit Union operates six branches in California and offers its members access to surcharge-free Bay Federal ATMs and thousands of CO-OP Network ATMs across the United States and Canada. You can use its branch locator to see what locations are closest to you.
Bay Federal Credit Union Additional Business Banking Services
Bay Federal Credit Union also offers the following business services: mobile and online banking and business savings and money market accounts. Although it offers personal credit and loans, it currently doesn’t offer business credit cards, business loans or wealth management. Find out more about its small business offerings on its website.
|Online & Mobile Banking||✓|
|Money Market Accounts||✓|
|Business Line of Credit||x|
|Business Credit Cards||x|
|Commercial Real Estate Loans||x|
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