Savings

 

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 make 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.

Eagle Savings

  • $200 Minimum opening deposit
  • $200 Minimum balance
  • $2 Monthly Service Charge if minimum balance requirements are not maintained
  • Interest bearing
  • ATM Card
  • Unlimited FREE ATM transactions at Bay Bank ATMs
  • FREE Online Banking
  • FREE eStatements
  • Mobile Money
  • See Transaction Limitations Below
 

Direct Deposit Eagle Savings

  • $20 Minimum opening deposit
  • $20 Minimum balance
  • $2 Monthly Service Charge if minimum balance requirements are not maintained
  • Interest bearing
  • ATM Card
  • Unlimited FREE ATM transactions at Bay Bank ATMs
  • FREE Online Banking
  • FREE eStatements
  • Mobile Money
  • See Transaction Limitations Below

Nest Egg Savings

  • $25 Minimum opening deposit
  • Withdrawals allowed in June & November-$20 fee any other month & account will close
  • Interest bearing
  • Use this account to save for the holidays or plan a vacation
  • FREE Online Banking
  • FREE eStatements
 

Eaglet Junior Savings

  • Custodial Account- Teach your child to save!
  • For Account holders under 18 years of age
  • $20 Minimum opening deposit
  • No minimum balance requirements
  • FREE gift with account opening & every $10 deposit thereafter
  • Interest bearing
  • FREE Online Banking
  • FREE eStatements
  • See Transaction Limitations Below

Golden Eagle Senior Savings

  • For Customers ages 55+
  • $200 Minimum opening deposit
  • $200 Minimum balance
  • $2 Monthly Service Charge if minimum balance requirements are not maintained
  • Interest bearing
  • 5 No fee Money Orders per month
  • Discounted Safe Deposit Box Rental
  • 5 FREE photocopies per month
  • ATM Card
  • Unlimited FREE ATM transactions at Bay Bank ATMs
  • FREE Online Banking
  • FREE eStatements
  • Mobile Money
  • See Transaction Limitations Below
 

Student Eagle Savings

  • Enrolled student 18-25 years of age 
  • $20 Minimum opening deposit
  • $20 Minimum balance
  • $2 Monthly Service Charge if minimum balance requirements are not maintained
  • Interest bearing
  • ATM Card
  • Unlimited FREE ATM transactions at Bay Bank ATMs
  • FREE Online Banking
  • FREE eStatements
  • Mobile Money
  • See Transaction Limitations Below

Soaring Eagle Money Market

  • $1000 Minimum opening deposit
  • $1000 Minimum balance
  • $10 Monthly Service Charge if minimum balance requirements are not maintained
  • 6 Free checks or withdrawals per month, $2 charge for each withdrawal in excess
  • Competitive tiered interest rate
  • FREE Online Banking
  • FREE eStatements
  • Mobile Money
  • See Transaction Limitations Below
   

Transaction Limitations for Savings Accounts and Money Market Accounts

Federal Regulation D limits savings and money market accounts to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle to another account (including a transaction account) at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, ACH, or similar order made by you and payable to third parties.  Violations of these limitations for savings and money market accounts will result in a $2.00 charge per transaction over the limit.

Loan payments made to your loan at Bay Bank are not a part of the six.  Withdrawals or transfers to another account of the same depositor are not counted if done in person, or by ATM, mail, or telephone (check mailed to the depositor).  Deposits of any amount are allowed at any time.



Certificates of Deposit 

Eagle CD

 

Eaglet Grow CD

Teach Your Children to Save

  • Terms range from 90 days to 5 years
  • $500 Minimum opening deposit
  • Competitive interest rates
  • FREE Online Banking
  • Mobile Money
 
  • For Account holders under 18 years of age
  • 6 month certificate of deposit
  • $50 Minimum opening deposit
  • Daily deposits allowed
  • Comptetive interest rates
  • Great way to watch your children's money grow

 

Eagle Individual Retirement Accounts

  • 12 month term
  • Competitive interest rates
  • FREE Online Banking
  • Mobile Money
  • IRA Rollovers
  • IRA Transfers
   

 

Kara Sharon Karen

Kara Dahlke
Personal Banker
Email

Sharon King
Personal Banker
Email

Karen Steingraber
Personal Banker
Email

 

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