First-Time Homebuyers

Our new program features a 3% down payment and no closing costs!* Learn more

Family surrounded by moving boxes
Signing a business check

BayBusiness Basic Checking1, 4

  • Open your account with as little as $50
  • $5 monthly service charge (waived with a $1,000 minimum daily balance)
  • No transaction fees up to 100 transactions* ($0.25 per transaction after 100 transactions)
  • $5,000 Remote Deposit Capture daily limit2
  • Free online banking
  • Free Visa Debit Card for multiple users

BayBusiness Checking1, 4

  • Open your account with as little as $50
  • $10 monthly service charge (waived with a $2,500 minimum daily balance)
  • No transaction fees up to 200 transactions* ($0.25 per transaction after 200 transactions)
  • $10,000 Remote Deposit Capture daily limit2
  • Free online banking
  • Free Visa Debit Card for multiple users

BayBusiness Plus Checking1, 4

  • Our dividend-bearing checking account for all businesses - even corporations!
  • Open your account with as little as $50
  • $15 monthly service charge (waived with a $7,500 minimum daily balance)
  • Earn interest on balances over $2,500
  • No transaction fees up to 400 transactions* ($0.25 per transaction after 400 transactions)
  • $50,000 Remote Deposit Capture daily limit2
  • Free online banking, including access to Automated Clearing House (ACH) and wire transfers3
  • Free Visa Debit Card for multiple users

Visa Business Debit Cards4

  • Make purchases from your BayBusiness Checking, Basic Checking, or Plus Checking account with your Visa Business Debit Card wherever Visa Business Debit Card is accepted
  • Use your Visa Business Debit Card to withdraw cash at thousands of surcharge-free CO-OP ATMs across the nation
  • Earn BayREWARDS5 points for purchases made with your Visa Business Debit Card

Visit your local branch for additional details or to apply today!


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.


*Including and not limited to deposits, withdrawals, checks, and electronic transactions.
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.
3Access 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.
4To qualify for a checking account, or Visa Business Debit Card, member may not have a ChexSystems record. 
5See our BayREWARDS Brochure, Frequently Asked Questions, and Terms & Conditions for more information.
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