Bay Cities Credit Union wants to be your one-stop financial resource. Here are a few products and services available to you and your family members that fall outside traditional banking product lines:

• ATM Access -- STAR/PLUS/EXPLORE.
• Consumer Information
• Co-Op ATM Network Deposit & Withdrawal Access
• CU Service Centers ® Network -- CU Swirl
  Bay Cities offers you the choice of using our Hayward Service Center, or any of 1200 other credit unions belonging to the CU Service Centers ® Network.
• Direct Deposit and Payroll Deduction
  Save valuable time each payday by signing up for direct deposit. Direct deposit is the electronic transfer of your paycheck from your employer directly into your checking or savings account. Direct deposit is fast, safe, and easy. Ask your employer if they offer direct deposit. It's worth your time.
  
  Pay yourself before you pay your bills. Each payday have your employer deposit a portion of your paycheck into your savings account. Not only will your savings add up, but you can have funds automatically transferred from your savings to pay off your loans or build up your Holiday, Vacation or Kids Club account.
• Discount Car Sales
  Enjoy special rates at our Members Only Car Sales.
• Discount Programs, including Six Flags Marine World, Great America, Disneyland & Santa Cruz Beach Boardwalk Tickets at discount prices.
• Discount Purchase Plans, including Costco.
• Discount Travel, including Worldwide Air and Cruises.
• Express Loan Service
• Free Checking with Visa® Debit Card
  With the Visa® Check Card, there's no wait for check approval, and since the money comes directly out of your checking account, you do not pay interest on your purchases. Our debit card is backed by Visa® and can be used wherever Visa® is accepted. The debit card also serves as your ATM card.
• Family Membership
  The benefits last a lifetime, because it's "Once a member, always a member" at your Credit Union.
• Financial Counseling
  From retirement to paying for your children's college and everything in between, our Financial Consultant can help you reach your goals.
• High Yield Savings Plans
• Home Banking & Bill Pay
  Imagine, at the touch of a button all your bills can be paid without buying a stamp or mailing an envelope. Bill Pay is easy to use and it’s free! As long as there are available funds in your checking account, your account will be automatically debited for the bills you select to be paid. It's that easy.
• Telephone Banking - BayLine 24/7
  By knowing your account number and personal identification number (PIN), you can transfer funds, balance your check book, make cash advances on your line of credit, verify cleared checks, determine dividends and interest earned, etc. All of this at the touch of a button!
• Insurance to $100,000 from the NCUA on all accounts.
• Kelley Blue Book Quotes
  Don’t pay too much for a previously owned vehicle. Blue Book quotes are available by phone Monday through Friday during office hours.
• Notary Service
  Free Notary Service for members is offered at each service center location.
• Overdraft Protection
  There is nothing more frustrating than bouncing a check. How about setting up a buffer? It's called overdraft protection. Choose to have your checks paid from one of your accounts, or a line of credit. A line of credit is established with a limit, similar to that used by credit cards. If you ever need a little extra money, the line of credit is automatically accessed. Checks are not returned, fees are not charged.
• Postage Stamps
  Why wait in line at the Post Office. Your Credit Union offers stamps right at the teller window.
• Travelers Checks
  Traveler's Checks are the practical choice for when you travel. They provide the convenience of cash with more safety. If the checks are lost or stolen, they can easily be replaced. Visit us for your Traveler's Checks before you travel.