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Since 2005, BayPort Credit Union has held a community charter from the State Corporation Commission of Virginia. This means we offer membership to people who live, work, worship, volunteer or attend school in the following cities and counties in the Tidewater and Hampton Roads, Virginia, area as well as businesses and other entities in these locations: 

Cities

• Chesapeake, VA
• Franklin, VA
• Hampton, VA
• Newport News, VA
• Norfolk, VA
• Poquoson, VA
• Portsmouth, VA
• Suffolk, VA
• Virginia Beach, VA
• Williamsburg, VA

Counties

• Currituck, NC
• Gates, NC
• Gloucester, VA
• Isle of Wight, VA
• James City, VA
• Mathews, VA
• Southampton, VA
• Surry, VA
• York, VA

In addition to the individuals eligible for membership based on the community charter, immediate family members of any member are eligible for membership. The immediate family includes persons who live in the same residence and are related by blood or marriage as well as foster and adopted children. Immediate family also includes, regardless of their place of residence, the children (which include foster and adopted children), grandchildren, grandparents, parents, siblings, and spouse of a member.

BayPort's Member Relationship program is designed to reward you and improve your life based on your loyalty to us. We work together to strengthen the credit union, which, in turn, strengthens your financial position. There are four membership levels and you automatically qualify for one based on the number of BayPort services you use or the combined monthly balances you keep in deposits and loans. There are no fees to participate. As you deepen your relationship with BayPort, your relationship level can change and deliver even more benefits.

Classic Relationship 

• Maintain a minimum $5 share balance
• Keep your account in good standing 
• An example of a Classic relationship is maintaining a savings account without direct deposit and a Christmas Club account, or a savings or checking account without direct deposit and a BayPort credit card.

Preferred Relationship

• Keep your savings account in good standing
• Maintain a checking account with direct deposit* or maintain a $10,000 average daily balance in a regular savings and/or checking account (Qualifications are not based on combined account balances.) 
• An example of a Preferred relationship is maintaining a savings account, a checking account with direct deposit* and Christmas Club account, or a savings account with an average daily balance of $12,000.

*Total monthly deposit(s) must be greater than or equal to $500. As a substitute for direct deposit or if it is less than $500, then 10 monthly debit transactions will be accepted.

Select Relationship

• Maintain a minimum $5 savings balance
• Keep your account in good standing 
• Maintain a checking account with direct deposit* 
• Keep $15,000 in total loans or total deposits** (Qualifications are not based on combined loan and deposit balances.) 
• An example of a Select relationship is maintaining a savings account, a checking account with direct deposit* and an auto loan of $20,000, or a savings account, checking account with direct deposit* and an IRA with $16,000. 

*Total monthly deposit(s) must be greater than or equal to $500. As a substitute for direct deposit or if it is less than $500, then 10 monthly debit transactions will be accepted.
**Deposit totals are based on average daily balances.

Premier Relationship 

• Maintain a minimum $5 savings balance
• Keep your account in good standing 
• Maintain a checking account with direct deposit* 
• Keep $25,000 in total loans or total deposits** (Qualifications are not based on combined loan and deposit balances.) 
• Use online banking and sign up for eStatements 
• An example of a Premier relationship is maintaining a savings account, checking account with direct deposit*, a home equity loan of $50,000, signing up for eStatements and using online banking; or maintaining a savings account, checking account with direct deposit*, a money market account with $25,000, signing up for eStatements and using online banking. 

*Total monthly deposit(s) must be greater than or equal to $500. As a substitute for direct deposit or if it is less than $500, then 10 monthly debit transactions will be accepted.
**Deposit totals are based on average daily balances.

Members now have two ways to reach Premier Relationship status. The original way explained under Member Relationship Levels above or by choosing the BayPort Bundle. The Bundle is a quick and easy way to soar into our Premier Relationship and start enjoying our top discounts and benefits.

BayPort Bundle

• Maintain a minimum $5 savings balance
• Keep your account in good standing
• Maintain a checking account with a MasterCard® Debit Card and direct deposit*
• Sign up to receive eStatements
• Choose between a low-rate BayPort credit card or open a FlexLine Line of Credit

*Total monthly deposit(s) must be greater than or equal to $500. As a substitute for direct deposit or if it is less than $500, then 10 monthly debit transactions will be accepted.

The higher your relationship level, the more abundant your perks and rewards. 

Benefits	Classic	Preferred	Select	Premier
Free notary public service
Free financial planning consultation with BayPort Financial
No annual fee FlexLine
No annual fee credit card
No annual fee debit card
Free unlimited share withdrawals at proprietary ATMs
Free online banking
Free STAR Audio Response
Free bill payment service options*
Free concierge bill payment set-up service
Higher ATM cash withdrawal limit ($500 per business day) on MasterCard® debit card
Discount off Classic personal or auto loan APR (with automatic transfer)		0.125%	0.25%	0.50%
Free foreign ATM transactions per month (surcharges still apply)		3	4	5
500 ScoreCard® bonus points for new BayPort MasterCard® Platinum Rewards, plus 1,000 additional ScoreCard® bonus points for new balance transfer of $1,000 or more at the time of application to a BayPort credit card			(750 ScoreCard® bonus points)	(1,000 ScoreCard® bonus points)
Share certificate dividend rate increase		0.25%	0.30%	0.30%
No-fee ATM/standard debit card replacement
$75 Home Equity application fee waived on $10,000 loan amounts or higher
50% discount on first year rental of new safe deposit boxes
No fee single-signature traveler's checks
Pay only .5% on total value of dual signature traveler's checks
No-fee certified checks and teller checks
No-fee money orders
Special promotion email notifications

Benefits subject to change at any time. *Must pay at least one bill per month through Bill Payment or there is a charge of $2.95 per month.

Householding: How to Maximize Your Relationship Rewards

Take advantage of householding to increase your relationship level and commensurate benefits by including all individuals' accounts that are part of your household. If one member of your household is in a Premier relationship with BayPort,for example, all household members will enjoy Premier relationship benefits. 

All you need to do is fill out the household authorization form, include the account numbers and signatures of all members to be included in your household, and return the form to us.