Our new and improved system will combine Personal and Business Online Banking into one easy-to-access platform and will feature all of the essential tools you use today with friendlier navigation, increased security, a new mobile banking app, an enhanced payment and invoicing solution for businesses, and more! It’s a powerful suite of digital services built for the way you want to bank.
February 10, 2026 / 7:00 AM– Bill Pay and Business Bill Pay will be disabled & final bill payments made via current system.
February 10, 2026 / 6:00 PM– Business Online and Mobile Banking will be disabled.
February 10, 2026 / 6:00 PM – Mobile Deposit via our Personal Mobile Banking App will be disabled.
February 10, 2026 / 6:00 PM – Personal Online and Mobile Banking will go into Inquiry Only mode. No transactions will be permitted while in Inquiry Mode.
February 12, 2026 / 9:00 AM– New system will go live.
To ensure a smooth first-time login, it is important that we have your current phone number and email address on file. Please log in to your Personal Online or Business Online Banking account to review and update this information as soon as possible.
In addition, you will be required to log in with your username and password for the first time on the new system. This applies to Personal Online, Business Online and Mobile Banking. Please be sure you know both prior to February 10, 2026.
Mobile Banking Users – If you currently use biometrics to log in, you will need to reestablish this feature within the new app. Your username and password are required for first-time login.
If you use “Forgot Password” or update any personal information, beginning February 12, 2026, you will be prompted to change your username if it contains less than nine characters or includes your name, birthdate, account number, or social security number.
Most of your account details will be available and ready to use within the new system including transaction history, Bill Pay payee information, scheduled payments and internal transfers, alerts, as well as eStatement and internal transfer settings.
Non-Transferable Services
The following settings will not transfer to the new system:
Please make note of or save your current settings and any related history for these services before February 10, 2026 / 6:00 PM. You will need to set these services up or register for them again once the new system is live.
Bill Pay Users
Scheduled payments will transfer to the new system. Your payment history will not. Please be sure to save a copy of this prior to February 10, 2026.
Payee addresses in Bill Pay need to be complete and accurate for payee information to transfer to the new system. Please review and make corrections by February 10, 2026.
We also recommend making note of your current payees and account numbers to ensure you can confirm all information transferred correctly once the new system is live.
First-Time Login
No changes to your personal login credentials are expected. You will log in for the first time using your current Username and Password whether online or via our mobile app.
Enhanced Security – Upon logging in for the first time, you will be prompted to receive a text or phone call with a one-time passcode to verify your identity. Simply enter this passcode into the system and submit to securely log in.
Account Information
Most of your account details will be available and ready to use within the new system, including transaction history, Bill Pay payee information, scheduled payments, recurring and scheduled internal transfers, ACH Templates, as well as your settings for eStatements, Merchant Deposits, Positive Pay, and Wire Transfers.
Non-transferable Services
The following items will not transfer to the new system.
Please save any existing templates and history before February 10, 2026. Internal Transfer templates will need to be reestablished again once the new system is live.
ACH Users
We recommend creating templates for each unique ACH file, if you have not already done so, prior to February 10, 2026 as the “Copy” feature is not supported within the new system.
Quicken/QuickBooks™ Users
Please visit www.baybankgb.com/instructions for system conversion instructions for your version.
First-Time Login
No changes to your login credentials are expected. Please log in on the new system with your existing Username and Password. After entering your credentials, you will need to complete the Token Enablement process.
INTRODUCING: An Enhanced Payment and Invoicing Solution
We are excited to introduce a more convenient, all-in-one solution to manage your business payments. You can add vendors, pay bills, and set approval limits to gain better control over your cash flow. Need to send invoices? Upgrade your subscription and manage your business billing all from one place. Contact our Business Banking team or visit our product page to learn more.
This new service will be replacing our current Business Bill Pay system and will go live on February 12, 2026. No action is required on your part. All of your account information will transfer to the new payment solution including payees, payment history, scheduled and recurring payments, as well as eBills.
As part of the upgrade, we will also be launching a new Mobile Banking app that allows both personal and business account holders to access their accounts from one easy-to-use app.
The new app will be available on February 12, 2026. Our current Mobile Banking app will no longer be available after the upgrade.
To download the new app, search for Bay Bank in your device’s app store. Once the new system is live, our current app will no longer be available and can be deleted.
Important Notes:
