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Personal Checking

Review the benefits and features of each of our Personal Checking Accounts below to select the right account for your financial needs.

Benefits	Absolutely, Positively, Totally Free Checking	Super Checking	SilverPlus Checking 50+	Relationship Checking *
Opening Deposit	$25	$50	$50	$50
Interest Bearing	N/A	Tiered based on account balance	Tiered based on account balance	Tiered based on account balance
Minimum Daily Balance	$0	$1,000	$250	$25,000 combined deposit & loan outstanding balance
Monthly Maintenance Fee	$0	$10 if balance falls below $1,000	$5 if balance falls below $250	$20 if required balances fall below $25,000
Per Check Fee	$0	$0	$0	$0
Free Basic Checks	N/A	N/A	N/A
Free Non-Bay Bank ATM Transactions**	First 4 Per Statement Cycle	N/A	N/A
Free Safe Deposit Box***	N/A	N/A	N/A
Free Savings Account	N/A	N/A	N/A	No monthly maintenance or transaction fees
No Fee Overdraft Line of Credit	N/A	N/A	N/A	Credit approval required
Free Online Banking & Bill Payment
Free Visa® CheckCard
Free Telephone Banking
Over 15,000 Nationwide MoneyPass® ATMs
Free & Unlimited Use of Bay Bank ATMs
Qualifying accounts include Checking, Savings, Money Market and/or Non-IRA Certificate of Deposit Accounts combined with outstanding loan balances that include consumer installment loans and consumer secured or unsecured lines of credit (except overdraft lines of credit). Mortgage loans not included. The ATM owner/operator or network(s) may charge a fee. **Smallest size box at branch location. Safe Deposit Boxes not available at all branch locations. Products and benefits may change. See specific product disclosures for additional terms and conditions.