{"id":26,"date":"2020-05-21T14:02:05","date_gmt":"2020-05-21T19:02:05","guid":{"rendered":"https:\/\/baycoast.bank\/?post_type=personal&#038;p=26"},"modified":"2026-04-20T15:35:00","modified_gmt":"2026-04-20T19:35:00","slug":"active-checking","status":"publish","type":"personal","link":"https:\/\/baycoast.bank\/en\/personal\/checking\/active-checking\/","title":{"rendered":"Active Checking"},"content":{"rendered":"<div class=\"lazyblock-interior-hero-Z2rf7oT wp-block-lazyblock-interior-hero\">\n<div class=\"section hero\">\n\t<div class=\"backing parallaxContainer\">\n\t\t<div class=\"backing\" style=\"background-image: url(https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231.jpg\" role=\"img\" aria-label=\"Hero Image\"><\/div>\n\t<\/div>\n\n\t<div class=\"heroContent\">\n\t\t<div class=\"plusPlus blue\" ><\/div>\n\t\t\n\t\t<div class=\"heroWrapper\">\n\t\t\t<div class=\"heroBlock bgWhite\">\n\t\t\t\t\n\t\t\t\t<div class=\"heroBlockHeadline\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"categories flex\" style=\"justify-content: flex-start;\">\n\t\t\t\t\t\t\t<div class=\"h6\">\n\n\t\t\t\t\t\t\t  \t\t\t\t\t\t\t\t    \t<a href=\"https:\/\/baycoast.bank\/personal\">Personal<\/a>\n\t\t\t\t\t\t\t    \t\t\t\t\t\t\t  \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"primaryColor dot h6\">\u00b7<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"h6\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/en\/personal\/checking\/\">Personal Checking<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h1 class=\"blue\">Active Checking<\/h1>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t    \t\n\t\t\t\n\t\t\t\t<div class=\"openAccount bgBlue\">\n\t\t\t\t\t<div class=\"grain\" role=\"presentation\"><\/div>\n\t\t\t\t\t<div class=\"btn white\" role=\"button\" tabindex=\"0\">Open Account&nbsp;<span class=\"primaryColor\">+<\/span> <div class=\"backing bgPrimaryColor\"><\/div><\/div>\n\n\t\t\t\t\t<div class=\"backing bgPrimaryColor\"><\/div>\n\t\t\t\t\t\n\t\t\t\t\t<a target=\"_blank\" href=\"https:\/\/app.consumer.meridianlink.com\/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD8Gt5F8AGMk9HZu4Ma1r7QewstuQif7nTAPMm3uYKgZZUrcvziJORDmufrcKTTwTKM9PRMPNsU1fax6WOw3lE--inNQbK1vdpv8kXJ1M1FDd\" rel=\"noopener\"><\/a>\n\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div> \n\n<div class=\"spacer\"><\/div><\/div>\n\n<div class=\"lazyblock-interior-content-2C7zc wp-block-lazyblock-interior-content\"><div class=\"spacer\"><\/div>\n\n<div class=\"section\">\n\t<div class=\"paddedWrapper\">\n\t\t<div class=\"wrapper flex gutenberg\" style=\"justify-content: center;\">\n\n\t\t\t\t\t    \t<div class=\"illustration\" style=\"background-image: url(https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/05\/bayPhoneRight-min-scaled.jpg); background-size: \" role=\"img\" aria-label=\"Give your balance a boost.\"><\/div>\n\t\t  \t\n\t\t\t<div class=\"smallWrapper gutenberg\">\n\t\t\t\n\t\t\t\t<div class=\"h3\">Give your balance a boost.<\/div>\n\t\t\t  \n\t\t\t  \t<hr style=\"margin-bottom: 5rem;\">\n\t\t\t\t\n\t\t\t\t\n\n<p>You\u2019ll earn 0.15% APY on balances between $0.01 and $25,000.<sup>1<\/sup> You\u2019ll also pay no fees when you use other ATMs, and we\u2019ll even refund other banks\u2019 ATM surcharges up to $25 per qualification period.<\/p>\n\n\n\n<p>To qualify in any given qualification period, you must meet three simple requirements:<\/p>\n\n\n\n<p>a) Receive at least one posted direct deposit, make at least one posted electronic payment or make at least one posted online bill payment;&nbsp;b)&nbsp;make 12 posted debit card purchases; and c) receive statement electronically using online banking.<\/p>\n\n\n\n<p>And our Qualifications Calendar makes it easy for you to track the qualification period dates!<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-b5da780\" data-block-id=\"b5da780\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-5b24ef5\" data-block-id=\"5b24ef5\"><style>.stk-5b24ef5 .stk-button{background:var(--stk-global-color-63884, #fbad18) !important;}.stk-5b24ef5 .stk-button__inner-text{font-size:16px !important;color:var(--stk-global-color-3828, #18428f) !important;font-weight:bold !important;}@media screen and (max-width: 1023px){.stk-5b24ef5 .stk-button__inner-text{font-size:16px !important;}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2021\/11\/2026_Active-Checking_Qualifications-Calendar-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-text-color stk-button__inner-text\">View the 2026 Qualifications Calendar<\/span><\/a><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading blue h5\">More details:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free BayCoast Bank ATM\/Debit MasterCard\u00ae<\/li>\n\n\n\n<li>Free online banking with easy-to-use online bill payment<\/li>\n\n\n\n<li>Free telephone banking<\/li>\n\n\n\n<li>No monthly service charge<\/li>\n<\/ul>\n\n\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div> <\/div>\n\n<div class=\"lazyblock-account-benefits-Z115HWa wp-block-lazyblock-account-benefits\"><div class=\"spacer\"><\/div>\n\n<div class=\"section bgGradientBlue\" style=\"border: solid 1px #eaeaea; border-right: none; borger-left: none;\">\n\t<div class=\"plusBackground plusDesign plusLeft\"><\/div>\n\t<div class=\"grain\" role=\"presentation\"><\/div>\n\n\t<div class=\"spacer\"><\/div>\n\n\t<div class=\"paddedWrapper\">\n\t\t<div class=\"mediumWrapper benefits\">\n\t\t\t<div class=\"h2 white\">Benefits &amp; Pricing<\/div>\n\n\t\t\t<div class=\"grid benefits\" style=\"margin: 2rem 0;\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 100ms\">\n\t\t\t\t\t\t<div class=\"h5\">Monthly Maintenance Service&nbsp;Charge<\/div>\n\t\t\t\t\t\t<p>Average daily balance of $1,500.00 for the statement cycle or satisfaction of all quali\ufb01cation requirements during a quali\ufb01cation period waives the $10.00 monthly maintenance service charge.<sup>3<\/sup><\/p>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 200ms\">\n\t\t\t\t\t\t<div class=\"h5\">Minimum to Open&nbsp;Account<\/div>\n\t\t\t\t\t\t<p>$500<\/p>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 300ms\">\n\t\t\t\t\t\t<div class=\"h5\">Interest<\/div>\n\t\t\t\t\t\t<p>Yes. A higher rate of interest will be paid if quali\ufb01cations are met.<sup>1<\/sup><\/p>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 400ms\">\n\t\t\t\t\t\t<div class=\"h5\">ATM Service&nbsp;Charge<\/div>\n\t\t\t\t\t\t<p>None, if quali\ufb01cations are met.<sup>2<\/sup> (Otherwise $2.00 per withdrawal, inquiry, or transfer).<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 500ms\">\n\t\t\t\t\t\t<div class=\"h5\">Check&nbsp;Orders<\/div>\n\t\t\t\t\t\t<p>Prices vary based on style.<\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"benefit hide\" style=\"animation-delay: 600ms\">\n\t\t\t\t\t\t<div class=\"h5\">Other&nbsp;Features<\/div>\n\t\t\t\t\t\t<p>ATM surcharge refunds up to $25.00 per quali\ufb01cation period if quali\ufb01cations are met.<sup>2<\/sup><\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t  \t\t<div class=\"mediumWrapper disclaimers hide\">\n\t  \t\t\t<p><sup>1<\/sup>The Annual Percentage Yields (APY) are accurate as of 04\/20\/2026 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 a range from 0.15% APY to 0.10% APY is paid on all amounts above $25,000 each qualification period that the <a href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/12\/2025_Active-Checking_Qualifications-Calendar.pdf\">minimum qualifications<\/a> are met. If the minimum qualifications are not met during the qualification period, 0.05% APY will be paid on the entire balance. <\/p>\n<p><sup>2<\/sup> All ATM service charges are waived and ATM surcharges are refunded up to $25 per qualification period if the <a href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/12\/2025_Active-Checking_Qualifications-Calendar.pdf\">minimum qualifications<\/a> are met. <\/p>\n<p><sup>3<\/sup> 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. <a href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/12\/2025_Active-Checking_Qualifications-Calendar.pdf\">Click here to view the Qualifications Calendar.<\/a><\/p>\n\t  \t\t<\/div>\n\t\t\t<\/div>\n\n\t<div class=\"spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"lazyblock-looking-for-more-slC5B wp-block-lazyblock-looking-for-more\"><div class=\"spacer\"><\/div>\n\n<div class=\"section\">\n\t<div class=\"paddedWrapper\">\n\t\t<div class=\"wrapper\">\n\t\t\t<div class=\"mediumWrapper\">\n\n\t\t\t\t<div class=\"lookingForMore\">\n\t\t\t\t\t<h4 class=\"blue h3 hide\">Looking For More?<\/h4><!--\n\t\t\t\t\t--><div class=\"moreLinkList\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal\/checking\/direct-checking\/\"><div class=\"moreBtn hide\">Direct Checking <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal\/checking\/preferred-checking\/\"><div class=\"moreBtn hide\">Preferred Checking <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal\/checking\/student-checking\/\"><div class=\"moreBtn hide\">Student Checking <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal\/checking\/senior-checking\/\"><div class=\"moreBtn hide\">Senior Checking <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal-banking\/compare-accounts\/\"><div class=\"moreBtn hide\">Compare Accounts <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/baycoast.bank\/personal\/savings\/\"><div class=\"moreBtn hide\">Personal Savings <span class=\"primaryColor\">+<\/span> <div class=\"backing\"><\/div><\/div><\/a>\n        \t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Earn high interest rates and avoid monthly fees when you meet our electronic banking qualifications<\/p>\n","protected":false},"featured_media":353,"menu_order":19,"template":"","meta":{"_acf_changed":true,"inline_featured_image":false},"class_list":["post-26","personal","type-personal","status-publish","has-post-thumbnail","hentry","personal_categories-checking"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231.jpg",2560,1312,false],"thumbnail":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-150x150.jpg",150,150,true],"medium":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-300x154.jpg",300,154,true],"medium_large":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-768x394.jpg",768,394,true],"large":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-1024x525.jpg",1024,525,true],"1536x1536":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-1536x787.jpg",1536,787,true],"2048x2048":["https:\/\/baycoast.bank\/wp-content\/uploads\/2020\/07\/iStock-857481660-1-min-scaled-e1616785873231-2048x1050.jpg",2048,1050,true]},"post_excerpt_stackable_v2":"<p>Earn high interest rates and avoid monthly fees when you meet our electronic banking qualifications<\/p>\n","category_list_v2":"","author_info_v2":{"name":"","url":""},"comments_num_v2":"0 comments","publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/personal\/26","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/personal"}],"about":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/types\/personal"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/media\/353"}],"wp:attachment":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/media?parent=26"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}