Business Banking
Personal Online Banking
Business Checking
Benefits Bay Business Checking Bay Business Relationship Checking Bay Business Analysis Checking
Opening Deposit $100 $100 $100
Interest Bearing N/A N/A N/A
Average Collected Monthly Balance (ACMB) $500 $5,000 in deposit balances OR
$50,000 in linked loan balances
N/A
Monthly Maintenance Fee $12
If balance falls below ACMB
$12
If balance falls below ACMB
$15
May be offset by account balances (Earnings credits applied to service fees based upon account balance)
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
Free Mobile Banking Check Check Check
Online Banking* Free Free Free
Free Visa® Business CheckCard** Check Check Check
Free Telephone Banking Check Check Check
Over 15,000 Nationwide MoneyPass ATMs Check Check Check
Free & Unlimited Use of Bay Bank ATMs Check Check Check
*Basic Business Online Banking is free. Fees apply for additional business online services.
 **The ATM owner/operator or network(s) may charge a fee.
Ask a Bank representative about our MAHT (Maryland Affordable Housing Trust) & IOLTA (Interest on Lawyers Trust Account) business accounts.

Here's more information on our business checking accounts.