Personal Checking

At Bay Bank, we offer checking accounts that securely and quickly provide access to your funds through a variety of different channels. Whatever channel you prefer, we have the services you need at Bay Bank.

All of our checking account products include:

Online Banking
Free eStatements
Bill Pay
Mobile App

Compare Our Personal Checking Accounts
Product	Direct Deposit Checking	Regular Checking	NOW Checking	Senior Checking
Key Features			Interest Bearing	55+ will receive one free box of checks per year and no fee on money orders
Minimum to Open	$100 Opening Deposit Required	$300 Opening Deposit Required	$1,000 Opening Deposit Required	$100 Opening Deposit Required
Minimum Balance	$0	$300	$1,000	$0
Bay Bank Visa Debit Card Upon Approval	X	X	X	X
Unlimited ATM Transactions at Bay Bank ATMs	X	X	X	X
Service Charge	No monthly service charge as long as the account is active	$5 monthly service charge if minimum balance is not maintained	$10 monthly service charge if minimum balance is not maintained	No monthly service charge as long as the account is active