PERSONAL CHECKING

a person writing on a piece of paper next to a calculator.

Direct Deposit Checking

  • $100 Opening Deposit Required

Key Features

  • No Minimum Balance
  • Bay Bank Visa Debit Card Upon Approval
  • Unlimited ATM Transactions at Bay Bank ATMs
  • No monthly service charge as long as the account is active
  • Online Banking
  • Free eStatements
  • Bill Pay
  • Mobile App

Contact Us

a person holding a tablet with a bank account on it.

Regular Checking

  • $300 Opening Deposit Required
  • Minimum Balance $300
  • $5 monthly service charge if minimum balance is not maintained

Key Features

  • Bay Bank Visa Debit Card Upon Approval
  • Unlimited ATM Transactions at Bay Bank ATMs
  • Online Banking
  • Free eStatements
  • Bill Pay
  • Mobile App

Contact Us

a man in a business suit pressing a button on a touch screen.

NOW Checking

  • $1,000 Opening Deposit Required
  • Minimum Balance $1,000
  • $10 monthly service charge if minimum balance is not maintained

Key Features

  • Interest Bearing
  • Bay Bank Visa Debit Card Upon Approval
  • Unlimited ATM Transactions at Bay Bank ATMs
  • Online Banking
  • Free eStatements
  • Bill Pay
  • Mobile App

Contact Us

a family sitting on a couch smiling at each other.

Senior Checking

  • 55+ will receive one free box of checks per year and no fee on money orders
  • $100 Opening Deposit Required

Key Features

  • No Minimum Balance
  • Bay Bank Visa Debit Card Upon Approval
  • Unlimited ATM Transactions at Bay Bank ATMs
  • No monthly service charge as long as the account is active
  • Online Banking
  • Free eStatements
  • Bill Pay
  • Mobile App

Contact Us

Compare Our Personal Checking Accounts

ProductDirect Deposit CheckingRegular CheckingNOW CheckingSenior Checking
Key FeaturesDirect Deposit RequiredInterest Bearing55+ 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 ApprovalYesYesYesYes
Unlimited ATM Transactions at Bay Bank ATMsYesYesYesYes
Service ChargeNo 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 maintainedNo monthly service charge as long as the account is active