CHECKING

BASIC CHECKING

Bay Bank's Basic Checking Account is your no frill, no minimum balance account perfect for those who write very few checks.

• $100.00 minimum deposit to open.
• No monthly minimum balance requirement.
• $3.00 monthly service charge fee includes 10 checks per month, with a $0.50 charge for each additional check or debit.
• Non-interest earning.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• Overdraft Transfer Service and/or Personal Reserve Account are available to qualified applicants of personal checking accounts.

REGULAR CHECKING

Bay Bank's Regular Checking Account is available for a monthly service charge fee based upon the minimum monthly balance plus $0.20 per check or debit.

$2.00 Charge with a $200.00 - $299.99 minimum balance

$3.00 Charge with a $100.00 - $199.99 minimum balance

$4.00 Charge with a minimum balance under $100.00

• $100.00 minimum deposit to open.
• The service charge fee is waived when you maintain a $300.00 minimum monthly balance or $1,000.00 in a savings account.
• Non-interest earning.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• Overdraft Transfer Service and/or Personal Reserve Account are available to qualified applicants of personal checking accounts.

DIRECT DEPOSIT CHECKING

Bay Bank's Direct Deposit Checking offers a fast, convenient, and safer way of depositing your hard earned money. Once your checks are deposited to your Bay Bank account, you receive immediate credit. All Direct Deposit customers receive a variety of attractive benefits just for doing business with us.

• No service charge fee.
• No minimum deposit.
• First order of 50 Duplicate Checks free.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• Internet Banking.
• Discount on Brokerage Services.
• Free Financial Consultation.
• Free Notary Service.
• $5.00 off Safe Deposit Box rental for the first year.

SENIOR CHECKING 55+

Bay Bank's Senior Checking is available with no monthly service charge fee and no minimum balance is required.

• $100.00 minimum deposit to open.
• Non-interest earning.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• No charge for Travelers Checks.
• Telephone Transfers available for no charge.
• 5 Money Orders free per month.
• 5 Photo Copies free per month.
• Free Check Orders
• $5.00 Discount on Safe Deposit Box

INTEREST BEARING CHECKING - NOW

Bay Bank's Interest Bearing NOW checking is available without a service charge fee when you maintain a $1000.00 minimum monthly balance in your account. Should your balance fall below the required minimum, a monthly fee of $5.00 plus $0.20 per check or debit will be charged to your account for that month.

• $100.00 minimum deposit to open.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• Overdraft Transfer Service and/or Personal Reserve Account are available to qualified applicants of personal checking accounts.

SENIOR NOW 55+

Bay Bank's Senior NOW is available with no monthly service charge fee when you maintain a minimum balance of $300.00 or $2,500.00 in a Bay Bank savings account or certificate of deposit.

$2.00 plus $0.20 per check or debit with a $200.00 - $299,99 minimum balance
$3.00 plus $0.20 per check or debit with a $100.00 - $199.99 minimum balance
$4.00 plus $0.20 per check or debit with a minimum balance under $100.00

• $100.00 minimum deposit to open.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Free Mastercard Debit Card.
• No charge for Travelers Checks.
• Telephone Transfers available for no charge.
• 5 Money Orders free per month.
• 5 Photo Copies free per month.
• Free Check Orders
• $5.00 Discount on Safe Deposit Box

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SAVINGS

MONEY MARKET DEPOSIT ACCOUNT (MMDA)

Bay Bank's MMDA offers complete liquidity like regular savings, and pays a high yield based on current money market rates. Your funds are insured, along with your other Bay Bank deposits, up to $100,000 by the FDIC.

• $100.00 minimum deposit to open.
• MMDA is available without a service charge fee when you maintain a $1,000.00 minimum monthly balance in your account. Should your balance fall below the required minimum, a monthly fee of $10.00 will be charged to your account for that month.
• Interest is calculated daily based upon your available account balance according to the following tiers:
  • $0 - $4,999.99
  • $5,000 - $9,999.99
  • $10,000 - $24,999.99
  • $25,000 and over
• Interest is credited to the account monthly.
• 6 free withdrawals, with a $2.00 charge for each additional withdrawal.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.

SPECIAL RULES FOR MONEY MARKET ACCOUNTS:

Money Market Withdrawals: If you make withdrawals from your MMDA in person or at an ATM, you can make as many as you wish. As an added convenience, you can make up to six pre-authorized withdrawals each calendar month. Please note that of the six pre-authorized transfers allowed, only three may be made by check. Per federal regulation, these accounts are subject to conversion to a checking account if there is repeated excessive activity.

Limitation on Transfer: Under federal law, the bank reserves the right to require at least seven days prior written notice of withdrawal from the account. However, unless notified by the bank, you may withdraw your funds at any time.

STATEMENT SAVINGS

Open a Statement 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 fee of $2.00 will be accessed.
• Four withdrawals are allowed free per month, with a $.50 charge for each additional withdrawal.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Internet Banking.

JUNIOR SAVERS

Bay Bank Junior Savers is available to children under 18.

• No monthly service charge fee.
• $20 minimum deposit required.
• Simple interest is paid monthly.
• Receive a free gift with each deposit of $20.00 or more.

HOLIDAY SAVINGS ACCOUNT

Bay Bank offers a Holiday Savings Account to make every Christmas a bill-free borrow-free holiday. Select an amount that best meets your needs, deposit regularly each week and earn valuable interest!

• $25.00 minimum deposit required to open.
• Automatically transfer from one of your Bay Bank accounts.
• Receive a check in the amount of your balance in time for the holiday season!

DIRECT DEPOSIT SAVINGS

Bay Bank's Direct Deposit Savings offers a fast, convenient, and safer way of depositing your hard earned money. Once your checks are deposited to your Bay Bank account, you receive immediate credit. All Direct Deposit customers receive a variety of attractive benefits just for doing business with us.

• No service charge fee if maintain $20.00 minimum balance.
• No minimum deposit.
• Internet Banking.
• Free ATM Card provides 24 hour banking available at all ATM Machines throughout the state.
• Discount on Brokerage Services.
• Free Financial Consultation.
• Free Notary Service.
• $5.00 off Safe Deposit Box rental for the first year.