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CDARS®

Protect your investments with our Certificate of Deposit Account Registry Service®, or CDARS®, which provides access to security and peace of mind beyond $250,000. Now you can invest up to $50 million and be eligible for FDIC insurance on every dollar.

  • FULL INSURANCE
    Access up to $50 Million in FDIC Insurance on CD Investments
  • ONE BANK
    Work with a Single Bank for Large Deposits ($10K-$50 Million)
  • ONE RATE
    Earn One Interest Rate on CD Investments
  • ONE STATEMENT
    Receive One Statement Detailing all CD Investments
  • NO FEES
    No Hidden, Annual, Subscription or Transaction Fees
  • NO COLLATERALIZATION
    No Need to Collateralize Deposits or Track Collateral Values
  • VARIETY OF MATURITIES
    Ranging from 4 Weeks to 5 Years
  • COMMUNITY INVESTMENT
    Funds Support Lending Initiatives to Strengthen the Local Community

Visit any branch location for additional information regarding the CDARS® program.

SAFE DEPOSIT BOXES

Store valuables, important documents and keepsakes in one of our convenient safe deposit boxes located at our Arbutus, Glen Burnie, Highlandtown, Lutherville, Salisbury, and Towson East branches. Call one of these branch locations for current pricing and terms.

Overdraft Protection

Why worry about bouncing a check? With CheckLine, you'll never have to. CheckLine is a personal line of credit, which gives you both overdraft protection and the ability to access a loan up to your credit line. Or, if you prefer, maximize your savings with SureCheck. SureCheck provides you with overdraft protection by authorizing us to transfer funds from another Bay Bank checking or savings account.

Check Safekeeping

For maximum convenience, Bay Bank will maintain an image of all your paid checks. Copies of your images are available upon request. CheckSafekeeping is a feature of all Bay Bank checking programs.

Total Statement

What could be simpler than one comprehensive statement! You can have your checking account, statement savings account(s), money market account(s) and certificate of deposit account(s) detailed on a single monthly statement.

24 HOUR TELEPHONE BANKING

Allows you to retrieve your account information 24 hours a day, 365 days a year. All you need is a touchtone phone. Just dial 1 (800) 545-0149 and follow the menu prompts. Your account information will be right at your fingertips.

  • Account Balances
  • Deposits
  • Checks Paid
  • Debits
  • Transfers
  • Mortgage/Retail Loan Accounts – Balances, Payments, Due Dates & Amount, Year-to-Date Interest Paid, Prior Year Interest Paid

BAY BANK eNEWS

Bay eNews is an email newsletter that delivers timely and relevant information from Bay Bank, including advance notice about new products, promotional programs and special rate offers. The information provided in Bay eNews is designed to help individuals make wise financial decisions and solid money management choices. Sign up for Bay eNews here.

LOST OR STOLEN VISA® CHECKCARD

Contact any one of our branch locations during normal business hours or call 1-800-236-2442 after business hours, weekends and Holidays to report a lost or stolen Visa® CheckCard.

Some of the services described above require a separate signed agreement and fees may apply. See your Bay Bank Customer Service Representative for details.

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

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