Bayport Credit Union: A Smarter Way to Bank
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Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Fee Schedule

We pride ourselves on delivering value and convenience beyond other financial institutions. We also want to keep you informed about our fees, how and when they apply, and the types of activities that carry them.

Effective October 13, 2014. Fees subject to change without notice. The following fees may be assessed against your account(s) and may reduce earnings. All financial institutions charge fees, but we maintain transparency so you have a complete understanding of your accounts.

ATM/Debit Card Fee Schedule

ATM Balance Inquiry
first two monthly occurrences FREE
each additional inquiry 50 cents
Overdraft Privilege (Paid NSF)
Transaction Type
  • ATM card
  • Everyday debit card transaction

Transaction amount:

Less than $10.00 $5.00
$10.00 to $25.00 $20.00
Over $25.00 $25.00
Overdrawn w/ Card
(no overdraft options available paid item) $29.00
Non-proprietary ATM network fee $1.00 per transaction
Replacement ATM/Debit Mastercard® card $5.00
Transfers FREE
Personalized Debit and Credit Cards
Option available on debit cards and Mastercard® credit cards (excludes Secured Mastercard®)
Custom or ID Card $7.00
Replacement Card $5.00
Deposits are permitted for BayPort Credit Union cardholders at those ATM machines that allow deposits. Refer to BayPort Funds Availability.

No surcharges will be assessed to BayPort Credit Union cardholders who use our ATM machines.

When you use an automated teller machine not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). For additional information on your account, please see your Important Account Information for Our Members brochure. 

Bill Payment Fee Schedule

Available on All Checking Accounts
1 bill or more paid per month FREE
monthly service fee
(less than 1 bill paid per month)
bill payment concierge for members in
Select & Premier Relationship
bill payment concierge fee $20.00
Popmoney (pay other people)
premium transfer
$5.00 each

(Standard transfer requires 3 business days to process.)

(Premium transfer requires 1 business day to process.)

Fee Schedule


Account History Printout
first monthly request no charge
additional requests $1.00 each
Account Research
account research/reconciliation $20 per hour
Certified Checks
members $5.00 each
Check Cashing
Check cashing (non-BayPort Credit Union account) $3.00
Checking Account Fees
Monthly low balance
Classic checking no charge
Rewards/College & Career Rewards checking no charge
Investment Checking
min. average daily balance <$1,000.00
Personalized Checking
min. average daily balance <$250.00
Fresh Start Checking
monthly service $5.00
no monthly direct deposit $2.00
Checking Printing
Check printing varies, see catalog
Check-by-Phone $5.00 each
Coin Redemption
non-members 10% of total
Copy of Canceled Check
view eBranch no charge
first two monthly requests no charge
additional requests $5.00 each
original (within 60 days) $5.00 each
Counter/Starter Check
Counter/starter check $5.00 each
Duplicate Forms
Duplicate statement, copy of electronic document or balance verification letter $1.00 each
Duplicate IRS reporting forms $5.00 each
eStatement Decline Charge
Rewards/College & Career Rewards Checking $2.00 per month
Excessive Usage
more than 12 teller-assisted withdrawals per calendar year
$1.00 each
Fast Start Savings
more than one withdrawal per calendar quarter
$5.00 each
Christmas Club
more than one teller-assisted withdrawal per calendar year
$1.00 each
Vacation Club
more than four teller-assisted withdrawals per calendar year
$1.00 each
Money Market
more than three checks cleared per month
$5.00 per check
excessive transfer/check in accordance with Regulation D $5.00 per transaction
Overdrawn Fee
If account is overdrawn for more than 7 consecutive days $3.00 daily
Returned NSF Fee (Regardless of Reason)
Transaction Type:

  • checks/ACH/Debit Card/ATM card/Bill Payment
  • Deposited checks and other items returned unpaid
  • Excessive transfer of funds more than 6 transfers per month in accordance with Regulation D (paid item)

$29.00 each
Garnishment/levy $20.00 each
IRA External Transfer
IRA external transfer $20.00 each
Money Orders
Money orders $2.00 each
Overdraft Privilege (Paid NSF)
Transaction Type:
  • checks
  • ACH
  • recurring debit transaction
  • bill payment
$25.00 each
Pinnacle Money Market
low balance fee (min. average daily balance < $2,500.00) $10.00 per month
closing fee (within the first 90 days of account opening) $100.00
more than three checks cleared per month $10.00 per check
excessive transfer/check in accordance with Regulation D $10.00 per transaction
Popmoney (Pay Other People)
premium transfer $5.00 each
Activity Fees
Re-opening of account within 60 days of closing $20.00
Savings account-inactive balances less than $100 and no activity in a 12-month period $7.00 per month
Single service low balance fee-aggregate (Savings, Vacation Club, and/or Christmas Club only) monthly average daily balance <$500.00 $3.00 per month
Stop payment $29.00 each
Teller Checks
Teller check $2.00 each
Travelers Cheques
single signature 1.00% total purchase
dual signature 2.00% total purchase
Mastercard® Gift Card
Mastercard® gift card

Reloadable Prepaid Mastercard®

*Maintenance and transfer fees may apply. See prepaid card disclosure.

$3.95 each
(plus amount of card value)

$4.95 each
(plus amount of card value)
Wire Transfer
incoming domestic no charge
outgoing domestic $20.00 each

*The categories of transaction for which an Overdraft Fee may be imposed are those by any of the following means: Check, In-person Withdrawal, ATM Withdrawal or other Electronic means.

Contact us today if you have any questions. BayPort Credit Union is committed to improving the lives of our members in the Tidewater and Hampton Roads, Virginia, area by providing easy access to the information you need.