Savings Accounts

At Bay Bank, we believe it is never too late to save for your future. Our flexible accounts offer low balance requirements and no-hassle transfers, which makes saving easy and affordable. As a community bank, we work with you to understand your needs and offer you the benefits of the personal service you deserve.

All personal savings accounts include:

Online Banking
Free eStatements
Mobile App

Compare Our Personal Savings Accounts
Product	Regular Savings	Direct Deposit Savings	Holiday Savings	Money Market
Key Features	Bay Bank ATM Card	Direct Deposit Required Bay Bank ATM Card	Withdrawals allowed in June, November, and December
Interest	Interest bearing	Interest bearing	Interest bearing	Competitive interest rates
Minimum to Open	$200 Minimum Opening Deposit	$20 Minimum Opening Deposit	$25 Minimum Opening Deposit	$1,000 Minimum Opening Deposit
Minimum Balance Requirement	$200 Minimum balance	$20 Minimum balance	$0	$1,000 Minimum balance
Unlimited ATM Transactions at Bay Bank ATMs	X	X	X	X
Service Charge	$2 monthly service charge if minimum balance is not maintained	$2 monthly service charge if minimum balance is not maintained	No monthly service charge as long as the account is active	$10 monthly service charge if minimum balance is not maintained