We know you lead a busy family life. At baylands we believe in helping you manage the finances of your daily life as easy and conveniently as possible.

Whether you are shuttling the kids to little league practice, taking a much needed vacation or taking care of business, you can trust your credit union to have your best interests at heart.


With no minimum balance, no monthly service charges, and access to your account through debit card,
online and mobile banking, and thousands of ATMs and Service Centers, this is a checking account that is hard to beat. See our grow green checking account for even better options!

debit card
Make life easier with a debit card.  It has all the convenience of a credit card and is easier and cheaper than checks. Transactions are directly deducted from your checking account

online and mobile banking
Online and mobile transactions are just like having your own personal baylands teller at home or on the road. Through a no cost, secure and easy access connection, you can balance your checkbook, transfer funds between accounts or even family members’ accounts.

bill pay
Pay your bills quickly and conveniently from your home or anywhere through our no fee and secure online bill pay service.  You can even set up account alerts to let you know when transactions happen.

overdraft protection
Have you ever accidentally written one too many checks or thought you had more than you really did in your account? It happens to the best of us. An overdraft protection loan can be there to help just in case your checking account ever has a negative balance or ask us about our member privilege service.

nationwide ATMs
In addition to branch ATMs and our West Point Station and Rappahannock Community College ATMs, baylands participates with credit unions all over to provide you access to your money anywhere and anytime. 
service centers
Although there isn’t a baylands branch on every corner you can access your family’s money while on vacation or all over the world through shared service center locations. Just go to www.co-opsharedbranch.org to find a location nearest to you.

direct deposit
Make managing money easier and save time by using direct deposit.  Automate your life through electronic transfers and payments. We can help you get set up in no time.

Receive your statement faster through our safe, convenient and free e-Statement service. Once enrolled you’ll receive an email notification instead of receiving a paper statement.


phone teller
Access your account anytime or anywhere using our convenient Baylands phone teller.  It's simple and easy to use!  If you have access to a touch-tone phone simply call (804) 843-2490 or (888) 843-2490 and listen to the instructions.  Phone teller allows you to check balances, transfer funds, find out current rates and more. Click here for a PDF version of the phone teller menu to help you get started. 






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NCUA Insured

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration (NCUA), a US Government Agency.

Equal Housing Lender

Equal Housing Lender - we do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act