New Checking Accounts
Starting November 1, 2025, our Checking Accounts will be getting a refresh! Learn all about the changes and improvements.
General FAQ
We’re introducing a refreshed suite of checking options to provide options for every member’s financial situation. These new accounts provide greater flexibility, lower fees, and helpful features for members at every stage of their Bay Federal journey.
All new checking accounts and updated terms will go into effect on November 1, 2025.
No action is needed. If your current checking account is changing, you’ll be notified. You may also open one of our new accounts anytime starting November 1, 2025.
BayChecking*
BayChecking remains our classic account, but with simplified updates:
- Simple Monthly Fee waiver with direct deposit over $500 OR 10+ debit transactions
- Lower overdraft fee of $20 (was $30)
- Expanded debit card limits
- Can cover unexpected overdrafts through Courtesy Pay coverage.
Horizon Checking (formerly Interest Checking)*
The new name reflects the expanded features and benefits on the horizon for members who keep higher balances.
The Horizon Checking now provides APY bonuses to members, ATM fees waived, and other new benefits.
- ATM fee refunds at non-BayFed/CO-OP ATMs (up to $25/month)
- .50% APY bonus on Titanium Savings (with eStatements, $1,000+ direct deposit, and 15+ debit transactions)
- Lower overdraft fee of $20 (was $30)
- Our highest debit card limits
- Expanded Courtesy Pay limits
*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.