Active Checking

Open Account +
Give your balance a boost.

You’ll earn 0.15% APY on balances between $0.01 and $25,000.* 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.

More details:

  • Free BayCoast Bank ATM/Debit MasterCard®
  • Free online banking with easy-to-use online bill payment
  • Free telephone banking
  • No monthly service charge
Benefits & Pricing
Monthly Maintenance 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.*

Minimum to Open Account

$500

Interest

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

ATM Service Charge

None, if qualifications are met.* (Otherwise $2.00 per withdrawal, inquiry, or transfer).

Check Orders

Prices vary based on style.

Other Features

ATM surcharge refunds up to $25.00 per qualification period if qualifications are met.*

*The Annual Percentage Yields (APY) are accurate as of 08/01/2020 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. All ATM service charges are waived and ATM surcharges are refunded up to $25 per qualification period if the minimum qualifications are met. 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.