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 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
Free Non-Bay Bank ATM Transactions** N/A N/A N/A 5
Free Safe Deposit Box*** N/A N/A N/A Check
Free Savings Account N/A N/A N/A Check
No monthly maintenance or transaction fees. Excess debit fees apply
No Annual Fee Overdraft Line of Credit N/A N/A N/A Check
Credit Approval Required
Free Mobile Banking Check Check Check Check
Free Online Banking & Bill Payment Check Check Check Check
Free Visa® CheckCard** Check Check Check Check
Free Telephone Banking Check Check Check Check
Over 15,000 Nationwide MoneyPass® ATMs Check Check Check Check
Free & Unlimited Use of Bay Bank ATMs Check Check Check Check
*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.

Here's more information on our checking accounts.