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Contact Us

Phone & Fax Numbers

Have a question? We would love to help. United Bay Community Credit Union is here because of its members. Reach out anytime you need us at (800) 968-7696 or email us at info@ubay.org.

Need a specific branch? Check out the list below.

Branch Phone/Fax Numbers
Lincoln Branch –
1309 N. Lincoln Ave.
Bay City, MI 48708
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (989) 892-5701
Euclid Branch –
3939 N. Euclid Ave.
Bay City, MI 48706
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (989) 686-2976
Pinconning Branch –
205 S. Mable St.
Pinconning, MI 48650
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (989) 879-1474
Mattawan Branch –
52800 N. Main St.
Mattawan, MI 49071
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (269) 668-6446
Coleman Branch –
375 E. Railway Street
Coleman, MI 48618
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (989) 499-3104
Portage Branch –
233 W. Centre Ave.
Portage, MI 49024
Local: (989) 892-4597
Toll Free: (800) 968-7696
Fax: (269) 381-1731

PAL Telephone Banking

 Ubay offers full-access phone banking. To use the Ubay PAL (Phone Access Line), call (989) 892-4597 or (800) YOUR-OWN (968-7696) and navigate with option 1. You can also call PAL directly at (866) 487-7717. 


Card Services

To activate your new debit card, call (800) 466-0040 at your convenience.

Lost or stolen Mastercard Debit card or VISA® Credit card? Call (888) 241-2510 within the US or (909) 941-1398 if you’re outside the US.

To report fraud on your Mastercard Debit Card or VISA® Credit card, please call 866-564-0871.
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Banking in your hands.


United Bay Community Credit Union is all about making your life a breeze. We're on a mission to bring you the latest in technology, ensuring you can access your accounts in a flash, whether you're on the go or simply kicking back on your couch.