Sign up today for Active Checking!

You'll earn 0.15% APY on balances between $0.01 and $25,000.*  You'll also pay no foreign (non-BayCoast Bank) ATM fees and get ATM surcharges refunded up to $25.00 per qualification period.*                  

Plus you'll receive these additional benefits:                      

                          Free BayCoast Bank ATM/Debit MasterCard® 

                              Free online banking with easy-to-use bill payment

                              Free telephone banking

                              No monthly service charge

To qualify in any given qualification period, you must: 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

Just visit any of our convenient locations to open your new Active Checking Account.



*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.