Tuesday, July 07, 2015
Serving Delta County

The Baybank mission is to:  meet the financial needs of the people and businesses of Delta County, protect and increase the value of our shareholders' investments, provide stable and quality employment to Delta County citizens and serve our community in financial and non-financial ways.

Baynet Login
Baynet is an online bill payment solution that supports one-time, recurring, and expedited electronic payments to any individual or any entity in the United States.

Download the Baynet App

click here to visit BudgetSmart

Debit Cards

Baybank's debit card is the key to financial convenience.  A debit card allows you to make cash withdrawals and transfers by accessing your personal Baybank checking and savings account(s) at any one of thousands of Automated Teller Machines (ATMs) displaying the Pulse, MasterCard, Maestro, and/or CIRRUS symbols. 


You can also purchase goods and services with a debit card at MasterCard merchants world-wide.  A debit card works like a check but acts like a credit card and you merely record your purchase or ATM transaction in your check register.  A description of all transactions and purchases will appear on your monthly checking and savings statements or instantly on Baynet. There is no monthly service charge regardless of the number of MasterCard purchases made each month. No ATM fee will be charged to a Baybank debit card customer when using a Baybank ATM. 


A Personal Identification Number (PIN) is assigned to your debit card  to allow you access to ATMs and Point Of Sale (POS) machines.  For security purposes, your debit card has two separate daily limits.  One for ATM transactions - $500.00 per day or five (5) transactions.  One for purchases at MasterCard merchants - $1,000.00 per day or ten (10) transactions.  You may reach your limit for the day at ATMs and still use your cashcard to purchase goods and services at MasterCard merchants or vice versa.  Qualifying debit card users may have their limits increased by requesting such action at one of Baybank's three locations.   Customers must apply for a debit card and meet a minimum set of criteria for approval.  Applications are available at each Baybank location. 


For your security,  we encourage you to go to our home page and click the "Guardian" link and register for text alerts.  You will receive text alerts when debit card transactions deemed a higher fraud risk are made.  If you did not approve the texted transaction, you can stop the transaction immediately!  This is a free service, however, normal texting charges from your carrier still apply). 


Debit card transactions may be blocked when using your debit card outside of your normal spending area.  If you plan on vacationing outside the U.S. call us and let us know your departure and return date.


For more information, contact messageto@baybank.us


Please be aware email is not a secure method of communication. Do not use email to send us confidential or sensitive information such as passwords, account numbers or social security numbers. If you need to provide this type of information, contact us by phone, fax or regular mail.

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