Checking Accounts
We keep our checking accounts simple and convenient! Choose the one that best meets your needs.
BayChecking*
Get all that you expect from a checking account:
- Unlimited Check Writing
- VISA® Debit Card
- BayFed Mobile App
- BayFedOnline Banking
- Overdraft Protection
- Direct Deposit
- Bill Pay
- Worldwide ATM Access
- No Monthly Service Fee — when you do one of the following:
- Establish Direct Deposit in the BayChecking account ($500 or more per month)
- Perform 10 or more VISA® Debit Card purchases per month
- Maintain a minimum daily balance of $1,000 in the BayChecking account
- Maintain minimum daily combined balances of $15,000 (includes deposits and/or loan accounts)
This fee is waived for members under the age of 23, and for members who are 66 and older.
Interest Checking*
Earn dividends on your checking account balance and enjoy:
- VISA® Debit Card
- BayFed Mobile App
- BayFedOnline Banking
- Overdraft Protection
- Direct Deposit
- Bill Pay
- Unlimited Check Writing
- Worldwide ATM Access
- Dividends on balances of $2,500 or greater
- No Monthly Service Fee — when you maintain a $2,500 daily minimum balance
Accounts for Teens and Young Adults
- No minimum balance requirements or monthly service charges until your child’s 23rd birthday.
- Open a checking account with your teen (13 and up) to help them build responsible money management and bill payment skills.
- Includes their own Visa Debit Card.
- Monitor saving and spending activities with free mobile and online banking tools.
*For full disclosures and important information on fees and charges, please read the current Consumer Fee-Schedule and the Truth in Savings Disclosure and Account Agreement for Personal Accounts. In order to qualify for a Checking Account, VISA® Debit Card, members must be clear of any record on ChexSystems.