DEBIT: SIGN INSTEAD TO SAVE!
Every time you use your Bay Gulf VISA Debit Card, the purchase amount is deducted from your checking account. You can make these debit purchases either by entering your debit PIN or by signing the receipt as a credit transaction. Even though some retailers automatically ask for your PIN, you do have the choice to say 'credit'! Here's why you should:
Signature/Credit Transactions
- FREE transactions
- Protection - Dispute charges on your account
- Simply choose or say 'credit' and sign your receipt
- The merchant's name is listed on your statement
PIN/Debit Transactions
- $.50 per transaction
- Limits on what charges may be disputed
- Enter your PIN publicly
- The merchant's name may or may not appear
Start signing today and save!
Bay Gulf's checking account will stay the course while you enjoy the ride. We offer simple, easy-to-understand options that enable you to get the most for your money and get lots of extras, including free online banking, turning your traditional checking accounts into convenient and secure online checking accounts.
Use our free Online Switch Kit to move your checking account to Bay Gulf Credit Union. It will help facilitate opening your new checking account, moving ACH automatic payments, and redirecting Direct Deposit or Payroll Deduction authorizations.
Free Checking Account
Our Free Checking account has no minimum balance, no relationship balance or direct deposit requirements like you find at many other financial institutions. You'll also enjoy the following benefits with our Free Checking account:
- Free direct deposit.
- Free 1st order of 150 checks and easy online check ordering.
- Free online banking -- Online Banking makes your checking account a secure online checking account, putting you at the helm to check balances, transfer funds, review statements, view and print cancelled checks, and a whole lot more.
- Free online bill pay -- Online Bill Pay and Presentment gives you further control of the ship and your online checking account with a simple, secure, free route to viewing and making your loan and credit card payments, utility and insurance bill payments, and just about anything that used to require mailing a check or dropping off a money order. Our recurring payments feature puts your payments on auto pilot.
- Free telephone account access with Express Teller -- Can't surf the 'net? No need to send up a flare! Call Express Teller at 813.932.1301 or 800.ASK.TELR using any touchtone phone to access your checking accounts and check balances, make transfers, review cleared checks, and more, in English and Spanish.
- Free VISA check card -- It's your ATM and debit card rolled into one and since it's VISA, it can be used at just about any port of call. PIN your transactions or, for greater security and free transactions*, sign for them just like when you use a credit card. Every transaction is detailed on your monthly checking account statement and can be tracked via your online checking account using Online Banking any time.
- Free ATMs -- Cruise in to any ATM in the Bay Gulf, Publix Presto!, or CO-OP networks, which are teeming with hundreds of easy-to-find surcharge-free machines.
- Worry-free overdraft protection -- Checks that would normally bounce due to a lack of funds in your checking account can pull cash from any savings account you designate or from a line of credit. If you meet certain criteria, our CheckMate courtesy pay program may even cover the check for you.
*PIN Debit Transactions are $.50 per transaction beginning December 14, 2009.
Ready to go? Use our free Online Switch Kit to move your checking account to Bay Gulf Credit Union, or sail in to any Bay Gulf location.