Bay
Bay supports Zelle. FedNow and RTP participation has not been confirmed.
Capitola, CA · NCUA Charter #12067
Also known as bay federal credit union, bfcu, bayfed, bayfederal
http://www.bayfed.com3333 Clares St, Capitola, CA, 95010-2546
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
Submit Route Report
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Report early direct deposit
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Sending from Bay
Rails observed when Bay was the sending bank.
No sending reports yet for Bay. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Bay
Rails observed when Bay was the receiving bank.
No receiving reports yet for Bay. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does Bay support FedNow?
This hasn't been confirmed. Bay does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Bay support RTP?
This hasn't been confirmed. Bay does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Bay support Zelle?
Yes. Bay appears in Zelle's partner directory, confirmed July 9, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Bay have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Bay yet.