Online Banking

Business Online

BayVanguard offers easy and convenient banking through our online banking product.

Features include:

• Check the balance on all your accounts including: checking, savings, loans, time deposits and money markets.
• Confirm deposits, withdrawals and checks cleared
• Transfer funds from one account to another
• View account history
• View your check images
• Pay Bills On-Line
• Pay BayVanguard loan payment
• ACH Origination
• Remote Deposit Capture

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

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

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

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

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

Check Positive Pay

Check 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.

ACH Positive Pay

ACH Positive Pay is a fraud protection service provided by BayVanguard Bank which you can enroll in to deter ACH fraud by managing and monitoring ACH debits and credits attempting to post to your account.

Allow List:  Trusted sources can be added to the Allow List (Whitelist) based on their Company Name and ID.  ACH transactions matching a company on the Allow List will then be filtered against your Block List and Watch List.  Users can determine how to manage ACH transaction that don’t match a company on the Allow List.

Block List:  Users can create a Block List based on the Standard Entry Class (SEC) Code, Company ID, or Transaction Criteria.  ACH Transactions that match criteria on the Block List will be listed as an exception item and rejected unless you authorize the transaction by 11am EST.

Watch List:  Users can create a Watch List based on the Standard Entry Class (SEC) Code, Company ID, or Transaction Criteria.  ACH transactions that match criteria on the Watch List will automatically generate a notification message to assigned email addresses. These transactions will be listed as an exception item and paid unless you reject the transaction by 11am EST, or they also meet the blocking criteria of another filter.