Personal Checking Accounts

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.

Which account is right for you?

Personal Checking Account Options Chart
Click here and compare

All BayCoast Bank checking account customers can enjoy account features such as:

  •  Free Debit MasterCard® or ATM Card
  •  Free Online Banking with Free Bill Payment
  •  Free Mobile Banking with Free Mobile Deposit
  •  Free eStatements
  •  Free Telephone Banking       


Rewarding your active lifestyle with special features. Learn More            

  • To qualify in any given qualification period, you must receive at least one posted direct deposit, make one posted electronic payment or one posted online bill payment, make 12 posted debit card purchases and receive your monthly statement electronically using online banking.
  • High interest rate on balances up to $25,000
  • Nationwide ATM surcharge fees refunded up to $25 per qualification period
  • Qualifications Calendar to track the qualification period dates.

Direct Checking

Enjoy the convenience of Direct Deposit.          

  • No monthly maintenance service charge with an average daily balance of $1,500.00 or one direct deposit per statement cycle

Preferred Checking

Maximizes your relationship with additional benefits.          

  • Free custom creation blue checks
  • Preferred CD rates
  • Discounted loan rates
  • Zero non-BayCoast Bank ATM* service fees

Senior/Student Checking

If you are 23 years-of-age or younger, or 65 years or older, enjoy our checking account free of monthly maintenance service charges.

  • Monthly maintenance service charges waived for those under the age of 23 or over the age of 65.
  • Free custom blue checks
  • Zero non-BayCoast Bank ATM* service fees
  • Interest is paid if average daily balance exceeds $500.00 per statement cycle

Honor Checking

Designed for active and retired armed services personnel and veterans, one direct deposit per statement cycle waives monthly maintenance service charges.

  • Monthly maintenance service charges waived for those under the age of 23 or over the age of 65
  • Zero non-BayCoast Bank ATM* service fees
  • Interest is paid if average daily balance exceeds $500.00 per statement cycle

*ATM owner may charge a separate fee.

Order Personal Checks Online  

Express yourself with personal checks and accessories. Order from a selection of over 90 exciting check designs including Photo Safe Deposit™ security features - making  mobile  deposit safer than ever.