Checking Accounts

We keep our checking accounts simple and convenient! Choose the one that best meets your needs.

Bay Checking


Get all that you expect from a checking account:

This fee is waived for members under the age of 23, and for members who are 66 and older.

Interest Checking

Interest Checking*

Earn dividends on your checking account balance and enjoy:

Accounts for Teens and Young Adults

Accounts for Teens and Young Adults

  • No minimum balance requirements or monthly service charges until your child’s 23rd birthday.
  • Open a checking account with your teen (13 and up) to help them build responsible money management and bill payment skills. 
  • Includes their own Visa Debit Card.
  • Monitor saving and spending activities with free mobile and online banking tools.

*For full disclosures and important information on fees and charges, please read the current Consumer Fee-Schedule and the Truth in Savings Disclosure and Account Agreement for Personal Accounts. In order to qualify for a Checking Account, VISA® Debit Card, members must be clear of any record on ChexSystems.

Attention: You are leaving the Bay Federal Credit Union website

You will be redirected to a website outside of the Bay Federal Credit Union website and entering a website hosted by another party. The linked website is not operated by Bay Federal Credit Union. Bay Federal Credit Union is not responsible for the content or availability of the linked website. Bay Federal Credit Union does not represent the operator of the linked website, the member, or any other users if the two enter into a transaction. Privacy and Security Policies of the linked website may differ from those of Bay Federal Credit Union.