BayVanguard offers easy and convenient banking through our online banking product.
Features include:
Enrollment is easy. Visit any of our convenient locations and apply with a branch manager today!
Click here for our Online Banking Training.
Bill Pay services make it easier to organize and pay your bills. You determine who you want to pay, when you want to make the payment, and which account you want the payment to come from. It’s safe, secure and easy to use.
Remote Deposit Capture (RDC) allows business customers the ability to deposit checks securely, while also saving time and money. Scanning checks using a desktop scanner attached to a PC with a secure internet connection allows you to deposit checks without leaving the office. Please contact a branch manager for eligibility requirements.
ACH Origination offers business customers the ability Originate electronic credits and debits through the Automated Clearing House (ACH) network. Please contact a branch manager for eligibility requirements.
Merchant Services allows businesses the processing tools needed to accept credit, debit, and other electronic purchasing cards or forms of payment. We partnered with USB Payment Processing to offer a wide range of payment solutions for our business customers. Please contact a branch manager for more information on this service.
Positive Pay is a fraud protection service provided by BayVanguard Bank which you can enroll in to deter check fraud. You let us know information about every check you write, and we compare checks presented for payment to the information you’ve given us. If it matches, we pay the checks. If it doesn’t match, we mark it as an exception, and you decide whether or not we pay it. You must tell us by 4 p.m. Eastern Time whether to pay or return the checks. If we don’t receive a decision by the cutoff time, we’ll pay the checks.
Payee Match: By selecting the Payee Match option within Positive Pay, compare the payee names in addition to the standard check number and amount fields, providing even stronger protection. For best results using Payee Match, we recommend you follow the guidance under the header Payee Matching Guidelines within Digital Banking User Guide – Positive Pay to avoid readability issues and minimize the number of exception items.
Teller Positive Pay: Teller Positive Pay is automatically included with Positive Pay. Teller Positive Pay identifies potentially fraudulent, altered, or counterfeit check items presented at BayVanguard branches by comparing them in real-time with the Positive Pay register file. If the information does not match, the check will not be cashed.
Reverse Positive Pay: “Reverse Positive Pay” is a way of utilizing the Positive Pay service in which you do not let us know information about every check you write and therefore all checks are marked as exceptions. You review all checks and tell us by 4 p.m. Eastern Time if we should pay or return the checks. If we don’t receive a decision by the cutoff time, we’ll pay the checks. With Reverse Positive Pay we will not cash check items presented at BayVanguard branches because they will not match the Positive Pay register file.
In case of a lost or stolen debit card, call us at 410-477-5000 during regular business hours. Please call 1-844-202-5333 during non-banking hours.
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