When a check is submitted to any payee it must go through what is called an encoding process so it can be paid through the Federal Reserve system.
Some merchants do their own encoding or it is done by their financial institution. Once it is encoded BayPort Credit Union can only debit the amount that is encoded.

If there was an error we can contact the Federal Reserve on your behalf and have the correction made. If you would like the correction submitted please contact us via email or phone. You will need to provide the following:

    • Account Number
    • Date check cleared
    • Check Number
    • Amount it should be
    • Amount Debited
  • Trace Number