You’ll earn 0.15% APY on balances between $0.01 and $25,000.1 You’ll also pay no fees when you use other ATMs, and we’ll even refund other banks’ ATM surcharges up to $25 per qualification period.
To qualify in any given qualification period, you must meet three simple requirements:
a) Receive at least one posted direct deposit, make at least one posted electronic payment or make at least one posted online bill payment; b) make 12 posted debit card purchases; and c) receive statement electronically using online banking.
And our Qualifications Calendar makes it easy for you to track the qualification period dates!
Click here to view the Qualifications Calendar.
- Free BayCoast Bank ATM/Debit MasterCard®
- Free online banking with easy-to-use online bill payment
- Free telephone banking
- No monthly service charge
Average daily balance of $1,500.00 for the statement cycle or satisfaction of all qualiﬁcation requirements during a qualiﬁcation period waives the $10.00 monthly maintenance service charge.3
Yes. A higher rate of interest will be paid if qualiﬁcations are met.1
None, if qualiﬁcations are met.2 (Otherwise $2.00 per withdrawal, inquiry, or transfer).
Prices vary based on style.
ATM surcharge refunds up to $25.00 per qualiﬁcation period if qualiﬁcations are met.2
1The Annual Percentage Yields (APY) are accurate as of 2/21/23 and are subject to change after account is opened and without notice. The minimum deposit to open the account is $500.00. 0.15% APY is paid on balances between $0.01 and $25,000 and 0.10% APY is paid on all amounts above $25,000 each qualification period that the minimum qualifications are met. If the minimum qualifications are not met during the qualification period, 0.05% APY will be paid on the entire balance.
2 All ATM service charges are waived and ATM surcharges are refunded up to $25 per qualification period if the minimum qualifications are met.
3 Satisfaction of all qualification requirements during a qualification period or an average daily balance of $1,500.00 for the statement cycle waives the $10.00 monthly maintenance service charge. Fees may reduce earnings. Available for personal accounts only. Click here to view the Qualifications Calendar.