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Ways to Bank

Discover flexible banking solutions with BAY Credit Union. 
 

MOBILE BANKING

Enjoy on-the-go access to check balances, make transfers and send money, deposit cheques, and more- all on your smartphone.

INTERNET BANKING

Manage your everyday banking with flexibility online!

TELEPHONE BANKING

Conveniently access your account with any touch tone phone.
Sign up in branch to activate.

With the BAY Credit Union mobile app, you can:

  • Check account balances and activity
  • Pay bills
  • Deposit cheques
  • Transfer money between accounts
  • Manage scheduled payments and transfers
  • Send or receive Interac® e-Transfers
  • Add Interac e-Transfer recipients

Internet Banking can help you:      

  • Check your balances
  • View account history
  • Transfer funds
  • Pay bills
  • Send money by email
  • View your e-statements

Sign up in branch.

Dial 807.346.5478

  1. Enter Account Number
  2. Enter 5 Digit Security Code– Press # Key 
  3. Main Menu Selection 
For Press Action Wanted
Inquiry Menu 1 Balance & Statement Inquiries
Transaction Menu 2 Transfers, Cheques, Term Deposits
Information Menu 3 Interest Rates & CU Messages
Calculation Menu 4 Loan Payments & Foreign Exchanges
Security Code 5 Enter New/Change Security Code
Leave Message 6 Record Message for Credit Union
Access Another Account 7 Setup Access to Other Accounts
Exit on hangup

Get our Mobile App

The BAY Credit Union banking app is designed for both iOS and Android devices and gives you access to your money anytime, anywhere.

With the BAY Credit Union mobile app, you can:

 

  • Check account balances and activity
  • Pay bills
  • Deposit cheques
  • Transfer money between accounts
  • Manage scheduled payments and transfers
  • Send or receive Interac® e-Transfers
  • Add Interac e-Transfer recipients
Download AndroidDownload iOS

ATM BANKING

Access cash surcharge-free at over 4,500 ATMs across Canada and via the ACCEL® or Cirrus® networks abroad.

IN BRANCH

Visit us in branch for help with questions, transactions or setting up a financial solution. BAY Credit Union has two accessbile branches serving Thunder Bay.

CRA DIRECT DEPOSIT

Direct Deposit is a great way to securely receive payments from employers, the Government of Canada etc, without having to visit the branch to deposit a physical cheque.

BAY Credit Union is happy to offer this service to our members through our Internet Banking*.

*Accounts must be open and active for 30 days to sign up through Internet Banking

  • 24/7 ATM Service at our Cumberland Branch (406 N. Cumberland Street)
  • Daily ATM Service from 6 A.M. - 10 P.M. at our Algoma Branch (142 S. Algoma Street)
  • Available in English or French
  • Deposit Services Available
  • No ATM Fees for Members at our ATM
  • $1.00 ATM Fee at other Financial Instituations’ ATM
  • “Ding-Free” ATM access Learn more!
  • Save it Up! is available on any debit card. A unique savings option which rounds up your purchases. Click for more information.

Membercard© Cancellation

Canada/USA 1.877.764.3693
International 1.905.764.3693

Algoma Street Branch

142 S. Algoma Street
Thunder Bay, ON  P7B 3B8

Cumberland Street Branch

406 N. Cumberland Street
Thunder Bay, ON P7A 4P8


Phone: (807) 345-8153
Fax: (807) 343-9271
Email: info@baycreditunion.com
Toll Free within Canada: 1-855-211-5136

Hours of Operation
Mon, Tues, Wed, Fri 9:30am-5:00pm
Thursday 9:30am-6:00pm
Saturday-Sunday Closed

Online

You can sign up yourself through our online banking or with CRA if you are registered for CRA's My Account, or by phone at 1.800.959.8281

Eligible CRA payments include:

  • Canada Emergency Response Benefit
  • Income tax refund
  • Canada child benefit
  • GST/HST credit
  • Canada workers benefit
  • Related provincial and territorial payments (ie Ontario Trillium Benefit)


For more information, go to canada.ca/cra-direct-deposit

E-TRANSFERS

Interac e-Transfer is a fast and convenient way to send or receive money within the security of your online or mobile banking service.
  Daily Weekly Monthly
Sending/Outgoing $10,000* $10,000 $20,000
Incoming $25,000 $70,000 $300,000

*Limit of $3,000 per transfer, daily limit $10,000.

i.e. 3x $3000 + 1x 1,000 for =  daily maximum of $10,000

    
     

How your Interac e-Transfer is protected

When you send money using Interac e-Transfer, your money never actually travels by email or text message. Email and text messages are only used to notify the recipient and to provide instructions on how to deposit the money. Your financial institution and your recipient’s financial institution transfer funds using established and secure financial procedures.

Interac e-Transfer relies on several security measures:

  • Encryption technology
  • Confidential user IDs and passwords issued by financial institutions
  • A secure login process
  • A security question and answer to ensure only the intended recipient receives the money

See the Interac e-transfer website for more information! 

FAQ

How do I cancel an e-Transfer?

An e-Transfers can only be stopped by the Member if the recipient has not accepted the transfer. Log in to either Online or Mobile Banking and go to e-Transfers, and click Pending. Click on Cancel to cancel the e-Transfer.

What happens if the recipient answers the security question wrong?

Recipients have three attempts to correctly answer the security question before the transaction will remain 'pending' for the sender. The sender will then have to resend the transaction. To avoid this, ensure you provide the recipient with the password.

What are the e-Transfer limits?

The maximum dollar value you can send is $10,000 in a 24 hour period, $10,000 in 7 days and $20,000 in 31 days.

The maximum dollar value you can receive is $10,000 in a 24 hour period, $70,000 in 7 days, and $300,000 in 31 days.

How much does it cost to send and receive e-Transfers?

There is a $1.00 fee to send an e-Transfer unless the account package allows for free e-Transfers. There is no fee to accept e-Transfers.

Can I send money internationally?

No, money transfers can only be done from between Canadian financial institutions.

How quickly will my e-Transfer be sent?

An e-Transfer transaction is sent within approximately 30 minutes.

 
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