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BayPort will never call or email you asking for your confidential personal or account information, including debit or credit card numbers. Please review our Security Center for more information on keeping your information safe and secure.

BayPort debit card

Choose an account for your lifestyle.

We deliver the convenience, accessibility, and value you expect from banking local. Plus, now you can receive your direct deposit up to 3 days early.


High Yield Checking

Use promo code $GAINS

  • Earn 30x the national average rate!
  • 3% APY* on average daily balances up to $15,000**
  • Nationwide ATM fee refunds up to $15 per month

Cash Back Checking

Use promo code MYCASH

  • Receive 3% cash back on debit card purchases up to $8 per month**
  • Nationwide ATM fee refunds up to $15 per month

Rewards Checking

Free Classic Checking

  • Convenience without monthly fees!
  • Earn dividends on balances over $1,000

*APY=Annual percentage yield. **Earn your rewards by electing to receive eStatements, spending 15 or more debit card purchases per month, and making one monthly ACH debit (payment) or credit (direct deposit).

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Deposit checks
by photo

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Schedule payments with Bill Pay

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Send money fast
with Zelle®

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Get paid up to
3 days early

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Teen Rewards Checking

For members 13-17

  • No monthly balance requirements
  • No monthly service charges
  • Debit card with parent/guardian
  • 5 non-proprietary ATM network fees waiver per month

Please visit a branch or contact us to open.

Unlimited Prepaid Card

Take control of your finances. No perfect banking record required. Visit your local BayPort branch to order and purchase the card.

  • Alternative for those unable to open a checking account.
  • Use it just like a debit or credit card!
  • Accepted anywhere Mastercard® is accepted.

Reload your card online

Frequently asked questions

What is early ACH?

With early ACH, you may receive your direct deposit up to 3 days early. You may have seen your direct deposit pending in your account for up to 3 days in the past, not being available until your actual payroll date. Early ACH will now allow those funds to be available after midnight following the date it is sent as opposed to the payroll date.

Why didn’t my deposit post early?

The Originating company (Employer) controls the payroll file creation/send date and sets the deposit settlement date; while originating companies can send the direct deposit/ACH payroll file 2 – 3 business days early, not all of them do.

Why does my coworker receive their direct deposit/ACH early, but I do not?

This may be due to the deposit account number information being incorrect or incomplete resulting in a delay in posting. Once the data is corrected, the direct deposit/ACH item will post at the next ACH future posting cycle at midnight.

Should I change the date on my auto transfers or loan payments?

We recommend setting the date on your Auto Transfers or Loan Payments to reflect your actual payroll date and not the early direct deposit/ACH posting date. There is no guarantee your employer will send payroll deposits early.

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BayPort mobile banking app

A branch for your pocket.

Between work, kids, yoga, and everything else you juggle, who has time to handle banking needs during banking hours? A few taps gives you 24/7 access so you can bank on your time, not ours.

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BayPort Cash Back and Rewards credit cards

Go platinum. Get rewarded.

Get 5% cash back with BayPort Mastercard® Platinum Cash Back, or double your ScoreCard® Rewards Points with BayPort Mastercard® Platinum Rewards. You can even combine your Rewards credit card points with your Rewards Checking points!

More about credit cards

(757) 928-8850 · (800) 928-8801

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties and is not responsible for these websites, their content, or availability.

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