Digital Banking

With BayFirst, access your accounts from anywhere, on your time.

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BayFirst Mobile Banking App Download
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Enroll in Online Banking Enroll
Download on the App Store
Get it on Google Play

Mobile App

The BayFirst app lets you bank from the palm of your hand.

  1. Enroll Now

    Apply for your BayFirst account and set up your login for our online banking portal.

  2. Download the App

    Get the BayFirst app in the app store and log in to bank from anywhere.

  3. Manage Your Accounts

    Pay bills, see statements, send payments and more from your online and mobile banking accounts.

Mobile App Features
  • Login easily with passcode or Face ID.
  • Link, view, and manage account balances and transactions from all bank accounts and credit cards.
  • Transfer money between accounts or send and receive money with Zelle®.
  • Deposit checks with the snap of a photo.
  • Apply, manage and pay your BayFirst loans.
  • Set and receive account activity alerts.
  • View documents and statements.
Mobile App Features

Tools That Transform Your Digital Banking Experience.
Control how you bank.

Spending Habits

Manage all bank account, loans, and credit cards all in one dashboard. View your balances, manage transactions, track spending, monitor budgets, build your wealth, and more.


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RoundUp

Round up your everyday debit card purchases to the nearest dollar and transfer the spare change directly into your savings account.


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Zelle®

Send and receive money easily from your phone with friends, family and others you trust, no matter where they bank.


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Forward Pay

Get paid early with direct deposit and access your money up to two days sooner.


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With Forward Pay, you can access your direct deposit funds up to two days early—helping you stay ahead of bills, expenses, and life’s surprises. Forward Pay ensures you have the funds you need when you need them.

  • Early Access: Receive your eligible deposits up to 2 days earlier than your scheduled payday.
  • Simple Setup: Enroll in direct deposit to get started—no additional or complicated sign-up steps required.
  • No Hidden Costs: Forward Pay is free for all account holders with direct deposit.
  • Eligible Payments: Paychecks, government benefits (e.g., Social Security, disability, unemployment), tax refunds, pension payments, and military payments (e.g., active duty or veteran benefits).
  • Flexibility You Deserve: Enjoy greater control over your cash flow to cover bills, save, or spend as needed.
Availability varies based on employer.

Smart Pay

Pay your BayFirst loan even faster from your checking account, savings account, or debit card using our Online Payment Portal.


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Smart Pay is the hassle-free way for you to make online payments for your BayFirst loans quickly and securely. Designed with convenience in mind, Smart Pay simplifies the payment process, making it easier for borrowers to stay on track while giving your business the tools to manage payments efficiently.

Smart Pay Features Include:

  • Flexible Payment Options: Pay your BayFirst loans online via ACH, debit card, or credit card.
  • Secure Transactions: Advanced encryption ensures every payment is protected.
  • Convenient Access: Borrowers can make payments anytime, anywhere, from any device.
  • Streamlined Management: Easily track, manage, and reconcile payments with robust reporting tools.

Pay Now and see how it can simplify online loan payments with BayFirst.

My Credit Manager

A powerful tool that helps you monitor, analyze, and improve your credit score.


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Stay on top of your financial health with My Credit Manager. Whether you're planning for the future or working to reduce debt, My Credit Manager provides the insights you need to make smarter financial decisions.

Key Features of My Credit Manager:

  • Credit Score Monitoring: View your credit score and track changes over time.
  • Detailed Credit Reports: Access a comprehensive breakdown of your credit history and factors affecting your score.
  • Debt Analysis Tools: Understand your debt-to-income ratio and identify strategies to manage or reduce debt.
  • Score Simulator: Experiment with potential financial decisions to see how they could impact your credit score.

Bank-to-Bank Transfers

Move money from bank to bank or account to account with ease, for free.


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Our Bank-to-Bank Transfer feature makes managing your finances effortless by allowing you to move money between your internal and external accounts with ease. Whether you’re consolidating funds, making payments, or transferring between personal and business accounts, this tool is designed for convenience and flexibility.

Key Features of Bank-to-Bank Transfers:

  • Internal Transfers: Instantly move funds between your BayFirst accounts.
  • External Transfers: Add external accounts securely to transfer funds to or from other financial institutions.
  • User-Friendly Setup: Simply link your external accounts by following a few easy instructions.
  • Flexible Scheduling: Make one-time transfers or set up recurring transactions.
  • Enhanced Security: Enjoy peace of mind with secure encryption protecting your transfers.

Mobile Check Deposits

Deposit checks digitally with ease using a click of a button and a snap of a photo.


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Using our secure mobile app, you can deposit checks quickly and conveniently by simply snapping a photo. It's the perfect solution for managing your finances on the go.

Key Features of Mobile Check Deposit:

  • Easy to Use: Deposit checks with just a few taps and a photo using our mobile app.
  • Secure Technology: Advanced encryption ensures your deposits are safe and protected.
  • Time-Saving Convenience: No need to visit a branch or ATM—deposit checks anytime, anywhere.
  • Instant Confirmation: Receive immediate confirmation that your deposit has been submitted.
  • Flexible Limits: Deposit single or multiple checks, with generous daily limits.

Experience a faster, simpler way to manage your banking needs.

Have Questions?

Digital & Mobile Banking FAQ

BayFirst uses cutting-edge technology and encryption to ensure your online and digital banking is safe and secure. The privacy and safety of your financial information is our top priority, and we are proud to offer you worry-free online banking.

Zelle is a digital banking tool that lets you safely and securely send and receive payments from person to person. No need for cash, checks, or IOUs. 

Smart Pay allows you to pay your BayFirst loan online or at one of our banking centers, from any account, so you never miss a payment.

BayFirst’s Bank-to-Bank Transfer tool lets you move money between your BayFirst checking or savings account and your account at any other bank for free. Simply log in using the BayFirst app or through online banking and find the transfer button to get started. You will need to provide account or routing numbers for external accounts.

BayFirst uses Forward Pay, and you can get your direct deposit up to two days early. Getting your paycheck early depends on the timing of when we receive your employer’s payment file.

Once you’ve opened an account with BayFirst, you’ll receive information on how to enroll in online banking – click here and set up your account through our portal. Once you’ve enrolled, you can access your information through BayFirstFinancial.com or our mobile app.

Available through online and mobile banking, you can use My Credit Manager to get a free report, set up notifications to be alerted of any changes in your credit report, and more. Check out all the options on the My Credit Manager dashboard available through the online and mobile banking.