Personal Checking

Whether you're looking for a checking account that pays interest or one that provides lots of additional benefits, BayCoast Bank has an account that is right for you.
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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:

Debit card users get access to additional benefits including purchase rewards, access to our debit card control app CardValet®, 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:

  • 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 accountsAs 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. 
     
  • Student Checking: As you might expect, our Student Checking account is designed for the needs of students. If you’re 23 years old or under, this account comes with no fees, and you’ll only need $10.00 to open an account. You’ll also earn interest when you have a $500.00 average daily balance for each statement cycle and doesn’t have an ATM service charge. 
     
  • Senior Checking: Our Senior Checking account is a great choice if you’re 65 years or older, as we waive all monthly maintenance service charges for those meeting the age requirement. This account also pays interest on accounts with an average daily balance exceeding $500.00 per statement cycle and comes with no ATM service charge. 
     
  • 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

Accounts 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 savingsloans, business services, investing and insuring.

 

Ready to Open an Account?

Direct Checking

No service charge when daily balance and direct deposit requirements are met.

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Direct Checking
Preferred Checking

Get great discounts on loans, preferred CD rates, save on ATM service fees and more.

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Preferred Checking
Active Checking

Earn high interest rates and avoid monthly fees when you meet our electronic banking qualifications

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Active Checking
Student Checking

Monthly maintenance service charges are waived for those age 23 or younger, interest is earned when average daily balance exceeds $500 per statement cycle.

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Student Checking
Senior Checking

Ideal for customers ages 65 and up.

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Senior Checking
Honor Checking

It is our honor to serve those who defend our freedoms. For both current and former members of our nation’s armed services.

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Honor Checking