Frequently Asked Questions

If you’re unable to find the answer to your question, contact us.

Accounts / Debit & Credit Cards / Online & Mobile Banking


Who is eligible for membership?

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.

How do I add a joint owner to my account?

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.

Can my child have an account?

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.

Can I open a business account online?

To open a business account, you must visit a branch and have the following information:

  • Business name
  • Address
  • Tax ID number
  • Business date of formation
  • State of formation
  • Annual revenue
  • Business activities
  • Source of funds
  • Purpose of account
  • Business Documentation (if Business Documentation is not located on Secretary of State Website)

Can I have direct deposit to my checking or savings account?

Yes, direct deposit may be designated to either a savings account or checking account.

Who can make deposits to my account?

Anyone can make deposits into your account, but only account owners may withdraw from the account.

What is SCRA and do I qualify?

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

  • Reduce your loan obligations to no more than 6.00% APR on all loans, including credit card consumer, mortgage, and student loans, originated prior to entering active duty status. The 6.00% APR will not apply to loans originated after entering into active duty status.
  • Adjust monthly loan payments to reflect any change in interest rate.
  • No late charges for past due loan payments during the period you are covered by the SCRA.

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.


Debit & Credit Cards

How do I report a lost or stolen Mastercard debit card or credit card?

For card assistance including card activation, reporting a lost/stolen card, or to verify recent debit card purchases please call (757) 928-8850 or (800) 928-8801.

How can I protect myself against fraud?

BayPort constantly monitors your accounts for suspicious transactions so you can travel with more peace of mind. If you are traveling, be sure to submit a Debit/Credit Card Travel Notification Form located under “Secure Forms” within Online Banking. Also be mindful of card skimming devices whenever you have to swipe or insert your card at any merchants or vendors.

How do I get a replacement debit card?

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.

How do I change my PIN?

To setup or change a STAR pin number, you may call (757) 244-STAR (7827) and follow the instructions at the prompt.


Online & Mobile Banking

How do I log on to online banking the first time?

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, login 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.

What happens if I’m locked out of online banking?

You may call our Call Center at (757) 928-8850 or (800) 928-8801 to have your password reset.

Can I access my account through an app?

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.

How does Popmoney® work?

To send or transfer money, log in to your online bank account and look for ‘External Transfer’ under the main navigation tabs. Send money to anyone using his/her email address, mobile number, or bank account information. You’ll receive a notification when the transaction is completed.

Can I buy foreign currency?

Yes. You can buy foreign currency or a Travelex Money Card by using My Travel Wallet® through BayPort. Order now ▸


(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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