Home  ●  Locations & Hours  ●  Deposit Accounts  ●  Loans  ●  Ag Services  ●  Community  ●  Resources  ●  About Us

Privacy Policy  ●  US Patriot Act













Bay Port ~ Pigeon ~ Bad Axe
Contact Us: Phone 877.656.2231 or Email:
Today is


Click here to view our Personal Online Banking demo.

*Some links will take you to websites outside of Bay Port State Bank’s site. Bay Port State Bank is not responsible for and does not endorse or guarantee the new site’s content. These links have been provided for your education and convenience only.


Loan Calculators

FDIC Deposit Insurance Calculator

Identity Theft

Fraud Alerts

Lost or Stolen ATM/Debit Card

Notice of Expiration of the FDIC Temporary Unlimited Insurance

Reorder Your Checks Online!







Bay Port State Bank
Security and Fraud Information
Protect your Identity and Accounts

 Bay Port State Bank takes our responsibility to protect your financial assets and safeguard the confidentiality of your personal information very seriously.  Please be assured that Bay Port State Bank’s systems, website, and customers’ financial data is secure.
To protect yourself never, ever give out personal or account information (unless initiated by you).  Keeping up with updates on your personal computer helps protect against vulnerabilities. Before you down load files on your personal computer, verify you trust the source and make sure your anti-virus software scans the files before opening them.  For more information read What to do if you receive a suspicious email or phone call and How You Can Protect Your Personal Information
Below outlines some of the common frauds and scams used to defraud you of money and/or identity.

 ‘Phishing’ via Email and Internet
Attempts are made by unknown criminals to solicit information by email in an effort to illegally obtain personal data.  The email address and the website address may appear almost identical to those of legitimate financial institutions and other companies.  These websites are fraudulent!
The phony emails, popups, or websites ask for confidential information such as social security number, date of birth, credit, ATM or debit card number and related personal identification number (PIN).  The intent of these fake websites is to obtain information illegally to access consumer accounts and/or commit identity theft. Do not respond to suspicious (phishing) emails.

‘Spoofing’ Websites
Criminals create fake websites that look like real company websites in order to steal your personal information. Be cautious of links sent to you in emails. ‘Phishing’ emails include links to these fake sites. The best way to know that you are going to the real website is to type the URL directly in your browser or use “favorites” to access the website. As a rule of thumb, when entering personal information on a site look at the website address to be sure it starts with “https”.

Remote Access Trojans
Remote Access Trojans (RAT) are malicious computer programs that are hidden on internet sites, in electronic greeting cards, or in file-sharing programs downloaded through the internet.  Once a RAT is downloaded to an individual’s computer hard drive, the program will lay dormant until the unsuspecting individual visits an internet-banking website.  When the RAT identifies the online banking website frequented by the customer, the RAT program will send this information to a hacker.  The hacker will create a fake internet banking login page, which will appear to be identical to the login page the individual is accustomed to.  When an individual logs on to the “fake” login page, he/she will be routed to a second fraudulent page that asks for sensitive personal information.  If the information is provided, the fraudster can steal your identity and now knows your internet banking log-on ID.

Phone Calls
Individuals receive fraudulent phone calls that use several different scams in an attempt to obtain personal information or payments.  The callers are very good at convincing you they are from your bank and can easily persuade individuals into giving them personal or bank information.  The most common scams include:

International Lottery Scams
Scam operators are using the telephone, direct mail, and email to entice U.S. consumers to buy chances in high-stakes foreign lotteries from as far away as Canada, Africa, Australia and Europe.  These lottery solicitations violate U.S. law and cost consumers about $120 million a year in losses.
The FTC has these words of caution for consumers who are thinking about responding to a foreign lottery.

The “Nigerian” Scam
Claiming to be Nigerian officials, businesspeople or the surviving spouses of former government honchos, con artists offer to transfer millions of dollars into your bank account in exchange for a small fee.  If you respond to the initial offer, you may receiver “official looking” documents.  Typically, you are then asked to provide blank letterhead and your bank account numbers, as well as some money to cover transaction and transfer costs and attorney’s fees.
If you are tempted to respond to an offer, the FTC suggests you stop and ask yourself two important questions; Why would a perfect stranger pick you (also a perfect stranger) to share a fortune with, and Why would you share your personal or business information, including your bank account numbers or your company letterhead, with someone you do not know?
More information about Nigerian Advance-Fee Loan scams is available from the Department of Justice, the U.S. Secret Service, and the U.S. Department of State or  If you receive an offer via email from someone claiming to need your help getting money out of Nigeria – or any other country, for that matter – forward it to the FTC at

Selling items on the Internet
Consumers are falling victim to an insidious cashier’s check scam that preys on individuals selling items via classified ads or the Internet.  After negotiating the sale, the buyer provides you with a cashiers check for more than the sale price (with various reasons given) and asks you to send the difference back to them via wire transfer, cable, cashier check, or money order.  By the time you find out the check you received is counterfeit, the money you sent is gone.  Fortunately, most of the time the perpetrator doesn’t want the item being sold, however, in the case of collectibles or large ticket items the consumer may have lost the item as well.

Be an Agent – Earn big money
These emails promise large fees for arranging or making payments for overseas businesses.  Payments are forwarded to you for deposit.  You keep a percent and send the rest to the fraudster.  By the time the checks you deposited to your account are returned as counterfeit, your money is already in the fraudster’s hands.

What to do if you receive a suspicious email or phone call
Bay Port State Bank would never email you a request for sensitive personal information.  If you receive an email from Bay Port State Bank that looks suspicious to you, please copy the header, forward it to us at and delete it from your computer.  Then, please call us at 1-877-656-2231 to report the incident.  Bay Port State Bank will work aggressively with law enforcement agencies to investigate these incidents should they occur.
You should also report these incidents to the FTC by completing a complaint form at, or the Internet Fraud Complaint Center (IFCC) at or by calling 1-877-IDTHEFT.  The Anti-Phishing Working Group ( also has information and resources to help fight Phishing.

How You Can Protect Your Personal Information
Identity theft is a growing crime in our country.  Each day, about 1,500 people become victims of identity theft.  Identity theft occurs when someone steals your personal information and uses it to establish credit, charge items or borrow money using your name.  Here are some things you can do to protect yourself. 

Note:  You can now receive a free credit report annually.  Go to this website: to request yours today.

More Information: 

Reporting Internet crimes: or call 1-877-IDTHEFT



Lost or Stolen ATM/Debit Cards

If your ATM or Debit Card has been lost or stolen, contact the bank immediately at 1-877-656-2231.

After banking hours or over the weekend, call 1-800-472-3272 option 2.