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Checking Accounts

We keep our checking accounts simple! Choose the account that meets your lifestyle and daily banking needs.

BayChecking1,2

The perfect checking account! Get all that you expect from a checking account. This account offers you:

  • Unlimited Check Writing
  • VISA® Debit Card
  • Free BayFedOnline home banking
  • Free Bill Pay
  • Free BayPhone telephone banking
  • Free Mobile Banking

The monthly service fee is waived on your BayChecking account when you do ONE of the following:

  • Establish Direct Deposit in the BayChecking account ($500 or more per month)
    or
  • Perform 10 or more VISA® Debit Card purchases per month
    or
  • Maintain a minimum daily balance of $1,000 in the BayChecking account
    or
  • Maintain minimum daily combined balances of $15,000 that includes deposits and/or loan accounts (such as Savings accounts, Certificates, Checking accounts, Mortgage loans, Auto loans, etc.)

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

Interest Checking1,2

Earn dividends on your checking account balance and enjoy:

  • Unlimited Check Writing
  • VISA® Debit Card
  • Free Overdraft protection
  • Free BayFedOnline home banking
  • Free Bill Pay
  • Free BayPhone telephone banking
  • Dividends on balances of $2,500 or greater
  • Maintain a $2,500 daily minimum balance to avoid a monthly service charge
  • Free Mobile Banking

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

VISA® Debit 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 VISA® Debit Card at millions of locations worldwide — anywhere that accepts VISA® Debit. It also gives you access to your account at thousands of ATMs worldwide.

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