There are times when we experience unanticipated expenses or unforeseen problems can leave you with to little cash in your checking account. Having a check returned due to insufficient funds can be costly, inconvenient and be a potentially embarrassing experience.

At Bay Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide" Member Privilege", a special overdraft service provided for Bay Credit Union members.

What is Member Privilege?

Member Privilege is an overdraft  service requiring no action on your part. You don't have to sign anything. Your Member Privilege limit amount will be automatically assigned.

Please call the Member Services department at 850-785-6103 with any questions.