About Bay Bank

Bay Bank serves the needs of the local community with exceptional personal attention and the most convenient financial solutions.  We are a team of experienced bankers with the ability to listen, the agility to make decisions and the resolve to follow through on behalf of our customers. 

At Bay Bank, you will receive the responsive, personal service of a local bank combined with the strength and resources of a larger institution.  But most importantly, you'll find a bank where bankers and customers know one another, and products, services and resources are focused on achieving your financial goals.

Bay Bank is a relationship-based banking team dedicated to excellence, professionalism and high standards of integrity.  We believe in the simple and straightforward concept that the customer experience is our number one priority.  And, we understand that our success will be the result of your success. 

Our commitment is to exceed expectations, one customer at a time.  And that's what makes Bay Bank unique - just like the customers we serve.  

At Bay Bank, what matters to you, matters to us.

Planning to Travel? 

Please advise your local branch office or call (410) 312-5400 if you will be traveling out of the state or country and plan to use your Visa┬« CheckCard.  As an added security feature, and in an effort to minimize fraud, your CheckCard could be blocked if unusual or unfamiliar activity occurs.  Protecting your account is our priority! 

Prime Rate:  

Bay Bank's "Prime Rate" is the highest Prime Rate published in the Wall Street Journal in its Bonds, Rates & Credit Markets table from time to time.


Bay Bank will not ask you to provide personal information via regular email, over the phone, or through an automated phone message.





Business Online Banking 

To enroll in Business Online Banking complete both the Application and Agreement



Service Options with Pricing

Need help to login?

Personal  (800) 822-3896

Business   (800) 593-4345


What's New?

Business Loan Express

Applying for a business loan just got easier with our Business Loan Express products.  Click here to learn more.

WIRE Cutoff Times Extended

Sending domestic wires has just become much more convenient with Bay Bank. Business online banking customers can now send wires through our online banking service until 5:00 p.m.

mobile banking & Deposit is here

Consumer online banking customers can download the app from their app store.

Business online banking customers can download the app, but must contact the bank to have mobile turned on.


Corporate Office
2328 West Joppa Road, Suite 325
Lutherville, MD 21093-4637
(410) 494-2580
Toll Free (800) 222-6566

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