Personal Checking

Universal Benefits for All BayCoast Bank Personal Checking Accounts

Regardless of the personal checking account you choose, all BayCoast Bank checking account customers can enjoy account features such as:

• Free Debit MasterCard^® or ATM Card (issued instantly in-branch)
• Free Online Banking with Free Bill Payment
• Free Mobile Banking with Free Mobile Snap Deposit
• Free Telephone Banking

Debit card users get access to additional benefits including purchase rewards, access to our debit card control directly integrated within our BayCoast Mobile Banking App and Online Banking, and can enable Apple & Google Pay.

Online banking users get access to additional benefits such as our Money Management budgeting tool, eStatements, and our peer-to-peer payment service Popmoney^®.

What Types of Checking Accounts Are Available at BayCoast Bank?

We know that everyone has different needs, so we offer many different checking accounts to choose from. As you search for the perfect fit for your financial goals, learn more about our selection of checking accounts below:

• FREE Checking Account:  Enjoy no monthly service fees and no minimum balance requirements, making this account the simplest and most accessible option for your banking needs. Whether you’re just starting your financial journey or looking to switch banks, our Free Checking account is designed to help you manage your money with ease and flexibility.
• BayCoast Wave™ Account:  Designed for those who do not qualify for our traditional checking accounts, the BayCoast Wave Checking account is free with a direct deposit. This is a non-interest-bearing checking account that customers can open for only $10.00.
• Direct Checking: When you want a straightforward account, our Direct Checking option is for you. With this account, we’ll waive our monthly $3.00 service charge if you receive a single direct deposit per statement cycle or maintain an average daily balance of $1,500.00. This account only requires a minimum $10.00 deposit to open an account, making it very accessible.
• Preferred Checking: If you’re interested in receiving high interest and exceptional loan discounts, you’ll want to consider our Preferred Checking account. As long as you keep a minimum average daily balance of $500.00 per statement cycle, you’ll gain interest. This account also automatically qualifies you for a $500.00 overdraft line of credit and preferred CD rates.
• Active Checking: With our Active Checking account, account holders with balances between $0.01 to $25,000 will earn a higher interest rate than most other checking accounts. As long as you qualify, this account also gives you the ability to not receive any fees when you go to different ATMs. We’ll even cover other banks’ ATM surcharges up to $25.00 per qualification period.
• Senior/Minor Checking:  The Senior/Minor Checking is a free checking account for seniors over the age of 65 and minors 18 years of age and under that earns interest if a daily balance of $500 is kept in the account. Customers can open this account for as little as $10.00. With a Senior/Minor Checking account the customer can write as many checks as they wish and can order free Blue Custom Creations checks.
• Honor Checking: We’re proud to offer our Honor Checking account to active and retired veterans and armed services personnel. We waive monthly maintenance services charges as long your account receives one direct deposit per statement cycle, and we’ll pay interest if your average daily balance is over $500.00 per statement cycle.

Contact BayCoast with Any Questions About Our Personal Checking

If you have any questions about our personal checking accounts, please feel free to contact us. We also offer several other personal banking services, such as savings, loans, business services, investing and insuring.

Ready to Open an Account?