Personal Checking

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


Benefits Bay Free Basic 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  $0 $750 Daily Balance Or Direct Deposit Or 20 Debit Card (POS) Transactions  $250  $2,500 Daily Balance or $25,000 combined deposit & loan outstanding balances
Monthly Maintenance Fee  $0  $7 if balance falls below $750 or no direct deposit or fewer than 20 debit card (POS) transactions  $5 if balance falls below $250  $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
Free Non-Bay Bank ATM Transactions** N/A N/A  N/A  5
Free Safe Deposit Box***  N/A  N/A  N/A
Free Savings Account  N/A N/A N/A
(No monthly maintenance or transaction fees.  Excess debit fees apply)
No Annual Fee Overdraft Line of Credit N/A  N/A  N/A
(Credit Approval Required)
Free Mobile Banking
Free Online Banking & Bill Payment  
Free Visa® CheckCard
Free Telephone Banking
Over 15,000 Nationwide MoneyPass® ATMs
Free & Unlimited Use of Bay Bank ATMs
*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.


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

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