Welcome to Bay Bank

BUSINESS SERVICES:

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

BASIC SMALL BUSINESS CHECKING

Bay Bank's Basic Small Business Checking account is designed for the start-up business or any business with low monthly transaction activity. Basic Small Business Checking provides individuals or small corporations with an account that features limited no-charge transactions by maintaining a low minimum balance.

Monthly service charge fee of $7.00 will be waived with a $1,000.00 minimum monthly balance in your account.
30 free checks written, with a $0.25 fee for each additional check.
50 free deposit items, with a $.07 fee for each additional on-us deposit item, and a $.08 fee for each additional non-local deposit item.
Internet Banking.

“FREE” SMALL BUSINESS CHECKING

No Monthly Maintenance Fee
No Minimum Balance Requirements ($100 to open account)
70 Free Debit Transactions and 30 Free Credit Transactions per Month
Unlimited FREE deposit slips
FREE Internet Banking
FDIC Insured
VISA Debit Card
FREE Check Images with Monthly Statement
Easy Online Payroll **Some Fees Apply**
VISA Business Credit Card

REGULAR BUSINESS CHECKING

Monthly maintenance fee of $8.00.
$.30 fee per deposit.
$.18 fee for each check written.
$.07 fee for each on-us check deposit.
$.08 fee for each non-local check deposit.
$.19 fee per 1000 FDIC Insurance.
Internet Banking.
To offset these fees, you will receive an earnings credit based upon the average collected balance maintained in your account for the statement cycle.

COMMERCIAL NOW CHECKING

Bay Bank's Commercial NOW Checking provides the convenience of a checking account while earning interest on the unused balance*.

*Monthly maintenance fee of $9.00.
*$.35 fee for each deposit.
*$.22 fee for each check written.
*$.07 fee for each on-us check deposit.
*$.09 fee for each non-local check deposit.
Internet Banking.

*Federal law limits the availability of interest earning checking accounts to individuals, sole proprietorships, governmental units, and nonprofit organizations that are operated primarily for religious, philanthropic, charitable, educational, or other similar purposes. The depositor represents to the bank that eligibility requirement are satisfied and that the account will not be assigned to any person not qualified to hold the account.

BUSINESS SAVINGS

Open a Business Savings account with only $100.00. Earn competitive rates while maintaining fast, easy access to your account.

Simple interest is paid monthly.
On balances less than $200.00, a monthly service charge of $2.00 will be accessed.
Four withdrawals are allowed free per month, with a $.50 charge for each additional withdrawal.
Internet Banking.

BUSINESS LOANS

Bay Bank provides value to business owners through personal relationships and local decision authority. Please contact us if you would like more information on a particular loan available at Bay Bank.

Working Capital
Equipment
Real Estate
SBA Loans

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	BUSINESS SERVICES: NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. BASIC SMALL BUSINESS CHECKING Bay Bank's Basic Small Business Checking account is designed for the start-up business or any business with low monthly transaction activity. Basic Small Business Checking provides individuals or small corporations with an account that features limited no-charge transactions by maintaining a low minimum balance. Monthly service charge fee of $7.00 will be waived with a $1,000.00 minimum monthly balance in your account. 30 free checks written, with a $0.25 fee for each additional check. 50 free deposit items, with a $.07 fee for each additional on-us deposit item, and a $.08 fee for each additional non-local deposit item. Internet Banking. “FREE” SMALL BUSINESS CHECKING No Monthly Maintenance Fee No Minimum Balance Requirements ($100 to open account) 70 Free Debit Transactions and 30 Free Credit Transactions per Month Unlimited FREE deposit slips FREE Internet Banking FDIC Insured VISA Debit Card FREE Check Images with Monthly Statement Easy Online Payroll Some Fees Apply VISA Business Credit Card REGULAR BUSINESS CHECKING Monthly maintenance fee of $8.00. $.30 fee per deposit. $.18 fee for each check written. $.07 fee for each on-us check deposit. $.08 fee for each non-local check deposit. $.19 fee per 1000 FDIC Insurance. Internet Banking. To offset these fees, you will receive an earnings credit based upon the average collected balance maintained in your account for the statement cycle. COMMERCIAL NOW CHECKING Bay Bank's Commercial NOW Checking provides the convenience of a checking account while earning interest on the unused balance. Monthly maintenance fee of $9.00. $.35 fee for each deposit. $.22 fee for each check written. $.07 fee for each on-us check deposit. $.09 fee for each non-local check deposit. Internet Banking. Federal law limits the availability of interest earning checking accounts to individuals, sole proprietorships, governmental units, and nonprofit organizations that are operated primarily for religious, philanthropic, charitable, educational, or other similar purposes. The depositor represents to the bank that eligibility requirement are satisfied and that the account will not be assigned to any person not qualified to hold the account. BUSINESS SAVINGS* Open a Business Savings account with only $100.00. Earn competitive rates while maintaining fast, easy access to your account. Simple interest is paid monthly. On balances less than $200.00, a monthly service charge of $2.00 will be accessed. Four withdrawals are allowed free per month, with a $.50 charge for each additional withdrawal. Internet Banking. BUSINESS LOANS Bay Bank provides value to business owners through personal relationships and local decision authority. Please contact us if you would like more information on a particular loan available at Bay Bank. Working Capital Equipment Real Estate SBA Loans <<<--Back to top
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