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Options to meet your daily banking needs

Bay Federal offers two different checking accounts — choose the one that fits your lifestyle!

  Free Interest Earning
Monthly service fee No Monthly
Service Charge


Monthly
Service Charge
$10.00
(if daily balance falls
below $2,500)

Special Account Features  
First Box of Checks Free* Yes Yes
Free Online Banking Yes Yes
Free Bill Pay Yes Yes
Free BAYPHONE Access Yes Yes
Free Visa Check Card Yes Yes
Free Use of Bay Federal ATMs and
CO-OP Network ATMs
Yes Yes
Unlimited Check Writing Yes Yes
Free Traveler's Cheques Yes Yes
Free Overdraft Protection No Yes
Free Notary Service No Yes
Free non-Bay Federal ATM Transactions No Yes
Free Cashier's Checks & Money Orders No Yes


*New accounts only, does not apply to converted accounts.



All Bay Federal Checking Accounts Include:
  • Free first box of checks
  • Free Online Banking
  • Free Bill Pay
  • Free BayPhone
  • Free Visa Check Card
  • Free use of Bay Federal ATMs and CO-OP ATMs
  • Unlimited Check Writing
  • Free Traveler’s Cheques
Overdraft Protection

Avoid the hassle, expense, and embarrassment of bounced checks with overdraft protection, available from the following Bay Federal accounts:

  • Savings
  • Money Market Accounts
  • Visa
  • Signature Line of Credit

To open your Bay Federal checking account, complete a membership application and send it to us along with a check for an initial opening deposit of $50 and a copy of your current Driver License.

Apply Now          BayPhone          BayTeller ATMs

ATM & Visa Check Card

A remarkably versatile card that lets you use the funds in your Bay Federal checking account, even at places that don't normally take personal or out–of–town checks. It looks just like a credit card, but it's not. Instead, it automatically deducts purchases from your checking account. No credit is advanced, so there are no interest charges.

You can use your ATM & Visa Check Card at more than 17 million locations worldwide — anywhere that accepts Visa. It also doubles as your ATM card, giving you access to your account at more than 500,000 ATMs worldwide.


Reorder Your Checks Online!

Reordering checks is just a click away. Select the link below to reorder your same design. If you're looking for a new style, you'll find that information too. Reordering checks online is ultra–fast and ultra–convenient!

Reorder Deluxe Personal Checks

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Equal Housing LenderYour savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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Contact Bay Federal: 831.479.6000