Business Checking


Benefits Bay Business Checking Bay Business Relationship Checking Bay Business Analysis Checking Bay Business Advantage Checking (Non-Profit Organization & Sole Proprietor) Bay Business Checking with Interest
Opening Deposit  $100 $100  $100  $100 $100
Interest Bearing  N/A N/A N/A (Tiered rate based upon balance)
(Tiered rate based upon balance)
Average Collected Monthly Balance (ACMB)  $500 $5,000 in deposit balances or $50,000 in linked loan balances   N/A  N/A N/A
Monthly Maintenance Fee  $12 if balance falls below ACMB  $12 if balance falls below requirements above  $15 - May be offset by account balances (Earnings credits applied to service fees based upon account balance)  N/A $20
Transactional Items 250 free per statement cycle, $.25 for each transaction over 250 350 free per statement cycle, $.25 for each transaction over 350 $.16 - May be offset by account balances $0.16 for each transaction over 300 250 free per statement cycle, $.16 for each transaction over 250 
Free Mobile Banking
Online Banking* Free Free Free Free  Free
Free Visa┬« Business CheckCard  
Free Telephone Banking    
Over 15,000 Nationwide MoneyPass ATMs  
Free & Unlimited Use of Bay Bank ATMs  
*Basic Business Online Banking is free. Fees apply for additional business online services.
Ask a Bank representative about our MAHT (Maryland Affordable Housing Trust) & IOLTA (Interest on Lawyers Trust Account) business accounts.
Corporate Office
2328 West Joppa Road, Suite 325
Lutherville, MD 21093-4637
(410) 494-2580
Toll Free (800) 222-6566

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