Bay Federal Credit Union’s FREE Mobile Banking Application - optimized for iPhone and iPad devices.*

The BayFed Mobile App is a safe, convenient service that allows you to manage your personal Bay Federal Credit Union accounts at any time, from anywhere, on your iPhone and iPad devices.

• Mobile check deposit
• Review account balances and transactions
• Transfer funds between accounts
• Pay bills
• View copies of cleared checks
• Locate surcharge-free ATMs and Bay Federal Credit Union branches

Bay Federal Credit Union uses SSL (Secure Socket Layer) encryption to communicate securely through all mobile devices.

*There is no charge from Bay Federal Credit Union, but messaging and data rates may apply.

What’s New

Version 2021.6.0.54

- Enhancement to recurring transfer flow
- Badge display for new navigation
- Improved app logout behavior
- General maintenance and defect fixes

Ratings and Reviews

4.8 out of 5
4.3K Ratings

4.3K Ratings

Ruckinjoe ,

Was a good app

The last update has made this app not able to deposit checks. On my end since the update the app can no longer read the checks and after reviewing and taking multiple pics will not work. Please fix this issue as I still get the same style check as before and now having issues reading them. I have gone through all the steps that the customer service rep asked me to do and still same issue including deleting the app and reinstall.

Nuitzangaro ,

Simple and effective

I'm sure there are features that could be added to improve this app (like make a comment describing what $ transferred is for) but it's pretty great. It's so easy to use that I have only gone to the bank twice in the last year. I can deposit checks without the trip in mere minutes, and transfer $ to friends (who are also members) and family members and housemates to pay for our share of the dinner, gifts, and bills. I think this app is great.

Miraclemkr ,


I was born and raised in Santa Cruz. My father worked for the City. He started us with bank accounts in our early teens. Bay Federal has never let me down. You will see them volunteering at events like Capitola Art and wine. They are local people from Santa Cruz participating in our town events. I’m 54 and own small business and I still choose this community bank. Thx Bay Federal Credit Inion

App Privacy

The developer, Bay Federal Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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