Branch Lobby Hours:
9:00 AM - 4:00 PM
  Monday - Thursday

9:00 AM - 5:00 PM  Friday
Closed Saturday

Drive In Hours:
8:30 AM - 5:30 PM
  Monday - Friday
8:30 AM - 12 Noon 
  Saturday

Bay Banker ATMs:
1347 W. 15th St.,
Panama City, FL 32405
 
Bay Banker ATMs are also located at all branch locations except Downtown Drive-In.

Bay Bank connects with all major networks so your Bay Banker ATM or BayCheck Debit Card provides access to your account at ATM and point of sale locations worldwide.

Bay Banker
transaction fee:

Bay Banker ATM
   - No Additional Fee
Non-Bay Banker ATM
  - $1 per inquiry, $1.25 per
    withdrawal/transfer