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Direct Checking
Preferred Checking
Active Checking
Student Checking
Senior Checking
Honor Checking

Monthly Maintenance Service Charge

Minimum to Open Account

Interest

ATM Service Charge (non-BayCoast Bank ATM usage)***

Check Orders

Other Features

Average daily balance of $1,500.00 or one direct deposit per statement cycle waives the $3.00 monthly maintenance service charge.

$10.00

No

$2 per withdrawal, inquiry, or transfer from a non-BayCoast ATM.

Free Starter Pack.

Average daily balance of $5,000 in combined deposit balances & mortgage loan balances (including HELOC & home equity loans) waives the $15.00 monthly maintenance service charge.

$10.00

Yes. Interest is paid if a minimium average daily balance of $500.00 per statement cycle is maintained.

None.

Free Blue Custom Creations.

Preferred CD Rates; automatically qualifies for a $500.00 overdraft line of credit.

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.*

$500

Yes. A higher rate of interest will be paid if qualifications are met.*

None, if qualifications are met.* (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.*

If you are 23 years or younger, the $6.00 monthly maintenance service charge will be waived.

$10.00

Yes. Interest is paid if a minimium average daily balance of $500.00 per statement cycle is maintained.

None

Free Blue Custom Creations

If you are 65 years or older, the $6.00 monthly maintenance service charge will be waived.

$10.00

Yes. Interest is paid if a minimium average daily balance of $500.00 per statement cycle is maintained.

None

Free Blue Custom Creations

Designed for active and retired armed services personnel and veterans. One direct deposit per statement cycle waives the $5.00 monthly maintenance service charge.**

$10.00

Yes. Interest is paid if a minimium average daily balance of $500.00 per statement cycle is maintained.

None

1 free order per year of Blue Custom Creations.

ATM surcharge refunds up to $25.00 per statement cycle. Option to open 1 free no-fee Statement Savings Account.