Business Banking
Personal Online Banking
Checking

Review the benefits and features of each of our Personal Checking Accounts below to select the right account for you.

Benefits Bay Classic Checking Bay Interest Checking Bay Silver Checking (62 + Years of Age) Bay Relationship Checking*
Opening Deposit $25 $50 $50 $100
Interest Bearing N/A (Tiered rate based on account balance) (Tiered rate based on account balance) (Tiered rate based on account balance)
Minimum Daily Balance $500 $750 Daily Balance Or 20 Debit Card (POS) Transactions $500 $2,500 Daily Balance or $25,000 combined deposit & loan outstanding balances
Monthly Maintenance Fee $5 $7 if balance falls below $750 or fewer than 20 debit card (POS) transactions $5 if balance falls below $500 $20 if required balances fall below $2,500 Daily or $25,000 Combined Balances
Per Check Fee $0 $0 $0 $0
Free Basic Checks N/A First Basic Order Free N/A check mark
Free Non-Bay Bank ATM Transactions** N/A N/A N/A 5
Free Safe Deposit Box*** N/A N/A N/A check mark
Free Savings Account N/A N/A N/A /Portals/BayBank/skins/baybank/img/check-white.gif
(No monthly maintenance or transaction fees. Excess debit fees apply)
No Annual Fee Overdraft Line of Credit N/A N/A N/A /Portals/BayBank/skins/baybank/img/check-grey.gif
(Credit Approval Required)
Free Mobile Banking /Portals/BayBank/skins/baybank/img/check-white.gif /Portals/BayBank/skins/baybank/img/check-white.gif /Portals/BayBank/skins/baybank/img/check-white.gif /Portals/BayBank/skins/baybank/img/check-white.gif
Free Online Banking & Bill Payment check mark check mark check mark check mark
Free Visa® CheckCard check mark check mark check mark check mark
Free Telephone Banking check mark check mark check mark check mark
Over 15,000 Nationwide MoneyPass® ATMs check mark check mark check mark check mark
Free & Unlimited Use of Bay Bank ATMs check mark check mark check check mark
*Qualifying deposit balances include Checking, Savings, Money Market and/or Non-IRA Certificate of Deposit accounts combined with outstanding loan balances that include consumer installment loans and consumer secured or unsecured lines of credit (except overdraft lines of credit). Mortgage loans are not included.
**The ATM owner/operator or network(s) may charge a fee.
***Smallest size box at branch location. Safe Deposit Boxes not available at all branch locations.
Products and benefits may change. See specific product disclosures for additional terms and conditions.