Frequently Asked Questions

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Accounts / Credit Score / Debit & Credit Cards / Online & Mobile Banking / Skip-A-Payment


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.

What is BayPort’s routing number?

Routing #251481368

What is NCUA insurance?

The NCUA is a federal agency created by Congress to regulate credit unions and insure your money. NCUA insurance guarantees that you’ll receive the money that you’re entitled to from your deposit account if your credit union goes under. It guarantees up to $250,000 per person, per institution, per ownership category.

Can deposits more than the NCUA $250,000 limit be insured?

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:

  • Single Ownership
  • Joint Ownership
  • Individual Retirement Accounts (IRAs)
  • Trust Accounts
  • Business Accounts

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.

Which accounts are insured by NCUA and which are not?

What accounts are insured up to the $250,000 limit?

  • Checking accounts
  • Savings accounts
  • CDs
  • Money market accounts
  • Certain other accounts

What’s not insured

  • Mutual funds
  • Annuities
  • Treasury securities
  • Life insurance policies
  • Stocks
  • Bonds


Credit Score

What is Credit Score?

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.

What do I get from Credit Score?

You’ll receive a monthly update of your credit score. Plus:

  • Access to your full credit report
  • Credit monitoring alerts
  • Tips to improve your credit score
  • Learn how you can save money on new loans and existing loans from other financial institutions

Is there a fee?

No, Credit Score is entirely free, and no credit card information is required to register.

Why is BayPort offering this free service?

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.

What’s the difference between Credit Score and other credit scoring offerings?

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.

Will accessing Credit Score ‘ping’ my credit and potentially lower my score?

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.

What if the information provided by Credit Score appears to be wrong or inaccurate?

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, and then pursuing action with each bureau individually.

Will BayPort honor my score in Credit Score for loan applications?

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.


Debit & Credit Cards

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

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.

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.

Can I transfer my credit card balances through Online Banking?

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.

How can I protect myself against fraud?

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.


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, 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.

What happens if I’m locked out of Online Banking?

You may call our Contact 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.

What browsers and settings work best with online banking?

BayPort’s online banking currently supports the following browsers:

  • Google Chrome
  • Mozilla Firefox
  • Safari 10

To check if your browser version is supported, find your browser below.

Google Chrome (Mac)

  • Open Google Chrome.
  • On the Menu Bar, select More, then click About Google Chrome.
  • The version number is located on the screen that appears.

Google Chrome (Windows)

    • Open Google Chrome.
    • On the Menu Bar, select the wrench image, then click About Google Chrome.
    • The version number is located on the screen that appears.

Mozilla Firefox (Mac)

  • Open Mozilla Firefox.
  • On the Menu Bar, select Firefox, then click About Mozilla Firefox.
  • The version number is located on the screen that appears.

Mozilla Firefox (Windows)

  • Open Mozilla Firefox.
  • On the Menu Bar, select Help, then click About Firefox.
  • The version number is located on the screen that appears.

Safari (Mac)

  • Open Safari.
  • On the Menu Bar, select Safari, then click About Safari.
  • The version number is located on the screen that appears.

How do I complete an international wire transfer?

BayPort partners with OFX to provide international wire transfer services to our members. Create a free OFX account.

How do I complete a domestic wire transfer?

To initiate a domestic wire transfer, please visit one of our convenient locations or contact us.

Outgoing Domestic Wires

  • The minimum amount for a wire transfer is $100
  • All Wire Transfer Requests must be received by before 12:00 p.m. for same day processing.

Incoming Wire Instructions
Wiring instructions to members who may want to send funds to the Credit Union. Send to:

  • BayPort Credit Union, One BayPort Way, Suite 350, Newport News, VA 23606
  • Routing #: 251481368
  • Final Credit: Members Name, Account #, and Suffix # that funds should be deposited to. (Example 123456-05)

How does Zelle® work?

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.

Learn more about Zelle ▸

Can I access Online and Mobile Banking from anywhere in the world?

Yes and No. While you can access Online Banking from anywhere by logging in through our main website,, 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.



Which loans qualify for the Skip-A-Payment program?

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.

Can I add the $30 Skip-A-Payment program fee to the balance of my loan?

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.

Can I skip two months in a row?

You cannot skip two consecutive months, though you may be able to skip two months per 12-month period.

  • Eligible loans financed up to a 60-month term: Skip a loan payment up to two (2) times per 12-month period, with at least a 90-day span in between two (2) Skip-A-Payments. Only 10 months of payment may be skipped over the life of the loan.
  • Eligible loans financed over a 60-month term: Skip one (1) loan payment per 12-month period.

When can I skip my first payment?

You must have had the loan open and made three (3) months of payments to be eligible for the Skip-A-Payment program.

What if I have an automatic payment set up?

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.

Will my loan still accrue interest when I Skip-A-Payment?

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.


(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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