We offer membership to people who live, work, worship, volunteer, or attend school in the cities and counties in the Tidewater and Hampton Roads, Virginia area.
If you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.
Yes, BayPort offers a variety of accounts specifically for youth with an accompanying custodian/parent as joint owner; or you may add your child as a beneficiary to your own accounts.
To open a business account, you must visit a branch and have the following information:
Yes, direct deposit may be designated to either a savings account or checking account.
Anyone can make deposits into your account, but only account owners may withdraw from the account.
SCRA stands for Servicemembers Civil Relief Act. The SCRA provides for protections for existing consumer loans, credit cards, and mortgages to be afforded to members of the armed forces as they enter military service (active duty) and other listed positions. You may be eligible for financial relief.
Who is eligible?
Members of the Army, Navy, Air Force, Marine Corps and Coast Guard, including members of the National Guard, as they enter military service (active duty*), as well as commissioned officers of the Public Health Service and National Oceanic and Atmospheric Administration engaged in active service. Some of the benefits afforded to servicemembers by the SCRA also extend to servicemembers’ spouses, dependents, and other persons subject to the obligations of servicemembers.
*Active Duty: In the case of servicemembers who are members of the Army, Navy, Marine Corps, or Coast Guard, active duty is defined as “full-time duty in the active military service of the United States. Such term includes full-time training duty, annual training duty, and attendance, while in the active military service, at a school designated as a service school by law or by the Secretary of the military department concerned. Such term does not include full-time National Guard duty.” 10 U.S.C. § 101(d). Note the term “military service” under the SCRA also includes National Guard members under a call of duty authorized by the President or the Secretary of Defense for more than 30 consecutive days and servicemembers who are commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration engaged in “active service.” 50 U.S.C. § 3911(2).
Type of Relief Available
In order to be eligible for relief, you will need to provide the Credit Union with a written request indicating you would like to take advantage of the SCRA along with a copy of your military orders calling you to active duty status as well as any orders further extending military service, within 180 days of release from military service. Upon review and approval of your request, you will be provided relief until the date of termination.
For additional questions or to request relief, please contact us at (757) 928-8850 or (800) 928-8801 and ask to speak to our collections manager or one of our collections supervisors.
Yes. NCUA insures up to $250,000 not only for each individual, but each ownership category as well.
What is an ownership category?
“Ownership category” refers to account type. This includes:
For example, if you have have a savings and checking account that you are sole owner of, these accounts combined are insured up to $250,000. However, if you also have a separate joint account, each co-owner is insured up to $250,000, so this account is insured up to $500,00. If you then each open an IRA account, these are both insured up to $250,000 each as well. This equals $1,250,000 in insured deposits.
What accounts are insured up to the $250,000 limit?
What’s not insured
Credit Score is a free service offered to BayPort members that shows your latest credit score, gives you an understanding of the key factors that impact your score, and shows you the latest offers that can help reduce your interest costs. With this new program, you’ll always know where you stand with your credit and learn how BayPort can help you save money.
You’ll receive a monthly update of your credit score. Plus:
No, Credit Score is entirely free, and no credit card information is required to register.
Credit Score is an educational program that can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, car, or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on new and existing loans with BayPort.
Credit Score pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the bureaus to provide consumers a better picture of their credit health.
No. Checking Credit Score is a “soft inquiry,” which does not affect your credit score. Lenders use “hard inquiries” to make decisions about your credit worthiness when you apply for loans.
Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from AnnualCreditReport.com, and then pursuing action with each bureau individually.
If your score shown in Credit Score is different than the scores we get from the credit bureaus, simply print out your score and let us know. We will review your information and determine if there is a better offer we can provide you.
Log in to Online Banking and select Card Controls under the Manage Money tab, or under the More section of the BayPort mobile app. Simply select the card you would like to report and select Report Lost/Stolen. You can also call (757) 928-8850 or (800) 928-8801 to report lost/stolen cards.
If you need a replacement debit card, please visit one of BayPort’s convenient branch locations. At the branch, you will be instantly issued a replacement debit card that can be used immediately. If you’re not able to visit a branch location, contact us at (757) 928-8850.
To setup or change a STAR pin number, you may call (757) 244-STAR (7827) and follow the instructions at the prompt.
Yes. Login to Online Banking and select Credit Card Access under the Additional Services tab. If you have not registered your card, you will be asked to in order to continue. Select Balance Consolidation under the Services tab located at the top of your screen and follow the prompts.
Protecting your computer is an important step to preventing fraud. Always select passwords that are difficult to guess by adding numbers and special characters. Be wary of incoming emails asking you to update your personal information. They may appear legitimate but are often fraudulent. BayPort will never send an email asking you to provide, update, or verify personal account information, such as passwords, Social Security numbers, PINs, credit or debit card numbers, or other confidential information.
To access Online Banking, you must use your STAR (Audio Response) PIN. If you have not yet set up a STAR Pin number, contact us at (757) 928-8850. Upon obtaining your STAR Pin Number, log on to Online Banking using your account number and STAR Pin Number. You’ll then be prompted to create a new username and password. Your username will replace your account number for Online Banking login.
You may call our Contact Center at (757) 928-8850 or (800) 928-8801 to have your password reset.
Yes. Through the BayPort Mobile App, you can access your transaction history, transfer money, Bill Pay, and more. The BayPort Mobile App is available for download in the Apple App or Google Play store.
BayPort’s online banking currently supports the following browsers:
To check if your browser version is supported, find your browser below.
Google Chrome (Mac)
Google Chrome (Windows)
Mozilla Firefox (Mac)
Mozilla Firefox (Windows)
BayPort partners with OFX to provide international wire transfer services to our members. Log in to online banking or create a free OFX account.
Outgoing Domestic Wires
Incoming Wire Instructions
Wiring instructions to members who may want to send funds to the Credit Union. Send to:
When you enroll with Zelle through Online or Mobile Banking, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared—those stay with BayPort Credit Union).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies BayPort Credit Union of the incoming payment. BayPort Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.
Yes and No. While you can access Online Banking from anywhere by logging in through our main website, www.bayportcu.org, for our members’ security, access to your BayPort Mobile App is blocked in the following countries: Unknown State, Thailand, Indonesia, Ukraine, Brazil, Bulgaria, Bangladesh, South Africa, Albania, Vietnam, Pakistan, Malaysia, Poland, Kazakhstan, Spain, Iraq, Czech Republic, Armenia, Taiwan, Cambodia, Latvia, Nigeria, Turkey, Bolivia, China, Belarus, Cameroon, Mauritius, Romania, Brunei, Laos, Paraguay, Argentina, Turkey, Australia, Japan, Taiwan.
New and used vehicles, motorcycles, boat and RVs, and personal loans are eligible for the Skip-A-Payment program. Real estate loans, FlexLines, ODP repayment plans, term loans, student loans, consumer credit cards, business loans, business credit cards, and PayDay loans are not eligible.
No, the $30 fee must be available in the share account you specify and will automatically be deducted upon receipt of request. The $30 processing fee is per loan, per request, if completed through BayPort’s Online Banking. A processing fee of $35 is charged per loan, per request, if completed at a branch.
You cannot skip two consecutive months, though you may be able to skip two months per 12-month period.
You must have had the loan open and made three (3) months of payments to be eligible for the Skip-A-Payment program.
Automatic payment is a great way to pay! However, with Skip-A-Payment, if you have a recurring payment scheduled via Online Banking or another financial institution, this payment will process unless canceled/altered by you.
Yes, interest will continue to accrue on your loan during the month of the skipped payment. If your loan has Guaranteed Asset Protection (GAP) insurance, the payments skipped will not be covered if a claim is filed. Skip-A-Payment does not result in the credit union covering the cost of your month’s payment or making the payment on your behalf. Rather, your payment is deferred, and the term of your loan is extended accordingly.