We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula.

Our fundamental purpose is to meet the financial needs of the people in Delta County, protect and increase the value of our shareholders investments, and serve Delta County in financial and non-financial ways.

Baybank Announcements

In observance of this legal holiday, the bank will be closed on Monday, September 6th.

We will be updating our homepage soon and we would like to know how our website could better serve you.  Please take a moment to fill out the survey to left and add a comment if you like!  Thank you.

Our continued strength and stability has earned us another 5-Star rating from Bauer Financial.  Bauer Financial is a well respected rating firm that analyzes banks throughout the country.  Baybank has been a Bauer Financial recommended bank for 83 consecutive quarters.

Small businesses provide employment opportunities and promotes community growth.  Baybank is a small business.  Baybank understands the needs of small business owners.

Discuss your small business needs, concerns, and financing options with Tom Fillman at 428-4040.

Baybank is an approved lender by the Small Business Administration (SBA).  To learn more about the SBA click on the highlighted link above.

Open a Health Savings Account (HSA) to save for future medical expenses.  For more information on HSA click on the highlighted link above. 

To discuss opening an HSA at Baybank contact Becky at 428-4040.

Be sure to ask your tax advisor how you can take advantage of tax savings!

To view 2009 and 2010 contribution and deductible limits click on the Personal tab then choose Health Savings Account on the left menu bar.

Baybank has collectible coins for sale our Escanaba, Gladstone and Rapid River branches! They’re fun to collect and make wonderful gifts for all occasions.

• The FDIC does not issue unsolicited e-mails to consumers.  If you receive an e-mail along with an associated Web site link do not open or click.  This is fraudulent.
• If you experiencing difficulty being directed to BayNet from our Home Page hold down the "Ctrl" key on the bottom left of your keyboard while clicking "OK" in the gray redirect message box.
• Baybank  WILL NOT email you to verify any account information or OnLine Bank Records. PLEASE do not respond to any of these emails.
• NEVER email your personal or financial information to anyone.
• NEVER give your Baybank Cashcard Account Number in response to an email request.  No legitimate business will ever ask you to verify your credit card information or your PIN.