Business Checking
If you want an easy and enjoyable business banking experience, you’ve come to the right place!
It's Easy to Get Started
We want your new account opening experience to be smooth and easy.
Please use this New Business Account Checklist to help you gather the documents and information about your business necessary to open your new business account.
Our Accounts
BayBusiness Basic Checking
- Open your account with just $50.
- Avoid the $5 monthly service charge with a $1,000 minimum daily balance.1, 4
- Delegate with Visa® Business Debit Cards for multiple users.
- Deposit up to $10,000 remotely each day2
- Enjoy no fees on up to 100 transactions.3
BayBusiness Checking
- Open your account with as little as $50.
- Avoid the $10 monthly service charge with a $2,500 minimum daily balance.1, 4
- Delegate with Visa® Business Debit Cards for multiple users.
- Deposit up to $10,000 remotely each day.2
- Enjoy no fees on up to 200 transactions.3
BayBusiness Plus Checking
- Open an account with just $50.
- Avoid the $15 monthly service charge with a $7,500 minimum daily balance.1
- Delegate with Visa® Business Debit Cards for multiple users.
- Earn interest on balances over $2,500.
- Deposit up to $50,000 remotely each day.2
- Enjoy no fees on up to 400 transactions.3
- Send money via Automated Clearing House (ACH) and wire transfers.4
What Makes Our Visa® Business Debit Cards So Great?
We’re glad you asked! With our debit cards, you can:
- Make purchases from your Business Checking or Checking Plus account with your Visa® Business Debit card wherever Visa® Business Debit is accepted5
- Use your Visa® Business Debit card to withdraw cash at thousands of surcharge-free CO-OP ATMs across the nation
- Earn BayREWARDS6 points for purchases made with your Visa® Business Debit Card.
- Get a new card today at any of our branches.
- Tap to pay, or add your card to your phone's wallet.
1See current Fee Schedule for important information about fees and charges.
2Limit is daily combined deposits. Some or all of your funds may not be made available immediately.
3Including and not limited to deposits, withdrawals, checks, and electronic transactions. The fee is $0.25 per transaction after the free-transaction threshold is met.
4Access to the ACH/Wire feature is subject to account review and requires a signed agreement. Holding a BayBusiness Plus Checking does not guarantee access to this feature.
5To qualify for a checking account, or Visa Business Debit Card, member may not have a ChexSystems record.
6See our BayREWARDS Brochure for more information.