Business Savings
Our Business Membership Savings is the first account you’ll open with Bay Federal Credit Union. The Business Membership Savings Account is your “share” of the Credit Union. Maintaining this account ensures your rights and privileges as a Credit Union business member, including the eligibility to apply for all of our other products and services.
Business Checking
Open the checking account that best fits your business needs. We offer an easy to use Switch Kit to help you move from your current bank account.
Key:
•Business Checking
•Business Checking Plus
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| Open your account with as little as $50 |
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| No monthly service charge |
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| Free online banking |
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| Free ATM/Visa Check cards for multiple users |
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| We pay up to $100 towards your business checks, endorsement stamp, and deposit book order |
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| Free Notary Service (up to 3 per year) |
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| Free use of debit and ATM cards at over 25,000 CO-OP ATMs in the US and Canada†† |
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| Tiered interest on balances over $2500
(Please see current rates) |
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Business Money Market
Maintain the liquidity of your funds and earn more on high balances with our Business Money Market account. Please see our current rates.
Business Certificates
Lock-in a fixed interest rate for a specified period of time and earn the highest rate of return on your investments. Please see our current rates.
Investment Services
Plan for the future of your business. Set up and maintain 401K Individual Retirement Accounts, SEP IRAs, insurance services and more. Call our Investment Services Department at 831.479.6000, option 7.
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Bay Federal has the right loan for all of your business needs
All of our loans are locally financed and serviced. Make an appointment today to learn more!
Call Angie Wiedemann, in our Business Lending Team, at 831.477.8567.
Business Lines of Credit
- Manage day-to-day cash flow
- Increase working capital
- Cover fluctuations in cash flow
- Protect your business accounts from overdrafts
Business Term Loans
Our secured business term loans can be either short or long term. We will work with you to help define the best solution for your needs.
- New or used equipment loans
- Consolidate existing business loans
- Finance inventory or company growth
- Long-term asset purchases
Business Auto Loans
- Available for both New and Used Auto loans
Business Visa Credit Card
A business credit card that helps you expand your business reach and empower your employees.
- Convenient and affordable way to pay business expenses
- Issue cards to your employees and manage their spending limits
- Earn BayREWARDS points for all of your purchases
Commercial Real Estate Loans
A variety of terms available for just the right loan!
- Purchase commercial property
- Renovate existing commercial property
- Finance leasehold improvements
- Purchase investment property
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Business Visa Check Cards
- Make purchases from your Business Checking Account
- Free use at over 25,000 CO-OP ATMs throughout the US and Canada
Business ATM Cards
- Access your accounts from ATMs displaying matching network logos
- Set up deposit-only access for employees
BayFedOnline
- Check account balances
- Transfer funds between accounts
- Obtain cleared checks
- View and print account statements
- Online Bill Payment
(View demo now)
Merchant Card Processing
- Accept credit and debit cards as payment for your services
- Sales are automatically credited to the business account of your choice
Payroll Services
- Payroll management
- Tax assistance
- Compliance and other services
BayREWARDS
- Earn redeemable BayREWARDS points for purchases on your Business Check Card or Business Visa Credit Card
- You are automatically enrolled in this special rewards program at the time of card issuance
- Redeem your points for gift cards, merchandise or travel
BayADVANTAGE
- Expand your benefits package quickly and easily by sharing the benefits of Credit Union membership
- Your employees may be eligible to receive a special package of services, incentives and discounts for their personal financial needs
- Call Janene Adema, our Assistant Vice President of Business Development, today at 831.477.8413
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