Checking Account

A Bay Atlantic Sharedraft/Checking Account is the one you will want to use to manage your family’s financial affairs on a daily basis. Our Checking Accounts offer the following:

  • No Minimum Balance Requirement
  • No Monthly Service Fee
  • No Per-Check Charges
  • Free Visa Debit Card with
  • UChoose Rewards
  • Overdraft Protection Available
  • Online Account Access & Online Bill Pay
  • Statements & E-Notices


Overdraft Protection

This service is available for members that have written a share draft and do not have the money available in their account, but have the money in a share account. The funds needed to pay the share draft will be transferred from the share account.

Overdraft Advance

It provides a cushion that will permit you to overdraw your account up to $300. By paying your overdraft in this way, you will eliminate the extra expense and potential embarrassment of having a share draft returned. Overdraft Advance is a non-contractual agreement that requires no action on your part, it is for members ages 18 years and older with a personal checking account open for at least 90 days. Overdraft Advance services will only be activated if there are insufficient funds available from your other accounts. This coverage will be extended as long as your account remains in good standing. Most transactions (such as checks, ACH items, on-line bill pay payments, etc.) that overdraw your personal share draft account will be covered up to the $300. We will apply an insufficient funds fee of $30 for each transaction that we honor and will notify you each time your Overdraft Advance service has been activated.

VISA Check Card

Because it carries the Visa symbol, your Credit Union’s Visa Check Card works like a check anywhere your Visa card is welcome – over 12 million locations around the world! When using your card at a merchant be sure to tell them credit. This way you do not have to use a “PIN” number. You can also use your VISA Check Card at any ATM machine to get cash. (The only time you should use a “PIN” number is to get cash).
If you are going on vacation please notify the credit union so we are aware that charges will be coming from a location that is not normal to your usage.

About Bill Pay

Pay bills from the convenience of your home, while away on vacation or anywhere. You can set up one time or recurring monthly payments. There is no fee and you have unlimited transactions. What could be easier. Why wait, sign into BAFCU Login and select BillPay@Home to start paying your bills online today.