Non-profit and non-business organizations will find the Basic Club account meets the needs for record keeping with a low maintenance cost.

• Minimum Deposit to open is $50.00
• Maintenance Fee $ 4.00 per Month
• Non-Interest Bearing
• Check Safekeeping Mandatory
• Account is available to unincorporated non-business or non-profit organizations.

Cashiers Check
              Customer....................$ 2.50 per Check
              Non-Customer................$10.00 per Check
Money Orders	
              Customer....................$ 1.25 per Money Order
              Non-Customer................$ 1.25 per Money Order
Visa Travel Money Card
              Initial Load Fee............$9.95
              Re-Load Fee.................$3.95
Visa Gift Card............................$6.99

Domestic Collection Items	
              Customer Incoming/Outgoing  $10.00 per Collection
              Non-Customer Outgoing.......$10.00 per Collection
Domestic Wire Transfer Services
              Customer Incoming...........$ 8.00 per Wire
              Customer Outgoing...........$10.00 per Wire
              Non-Customer Incoming/
                   Outgoing...............$15.00 per Wire
International Wire Transfers Services 
         (Bank Customers Only)
              Incoming Wire...............$35.00 per Wire
              Outgoing US Currency........$35.00 per Wire
              Outgoing Foreign Currency...$35.00 per Wire
              Wire Transfer Trace.........$50.00 per Trace
              International Bank Draft....$17.50 per Draft
Legal Process Fee (Writs, Levies, etc.)...$75.00 
Non-Customer Check Cashing................$ 5.00 per Check
Check/Deposit Ticket Printing.............Fee depends on style
                                          and quantity ordered. 
                                          Specific pricing 
                                          available separately
Stop Payment Requests.....................$30.00 per item
Insufficient Funds Charge.................$30.00 per item
	 An insufficient funds item may be created by check,
            in-person withdrawal, ATM withdrawal, or other 
            electronic means.
Overdraft Item Charge.....................$30.00 per item
	 An overdraft item may be created by check, in-person
            withdrawal, ATM withdrawal, or other electronic means.
Deposit Item Returned Fee.................$4.00 per item

Check Copies
	Safekeeping Accounts..........$.75 per copy
            All other accounts...........$2.00 per copy

Research Request
	Per Hour......................$25
            Minimum Charge................$25.00

Account Reconcilement Charge
	Current and Prior two months..$10.00 per hour 
            Minimum Charge................$10.00
Dormant Account Fee.......................$10.00 per month
	 Accounts are dormant if for 18 months previous for 
            checking, or 3 years for savings, there is no activity
            or other indication in writing from you of an interest
            in the account.
ATM/Debit Card
	Withdrawal/Transfer...........$1.25 per transaction
            Balance Inquiry...............$1.00 per inquiry
 
            Transaction or inquiry fees do not apply at 
            Bay Banker ATMs.  Surcharge fees may also apply
            for use of non-Bay Banker ATMs.  MoneyPass ATMs
            may be used surcharge free.
 
            Replacement Card..............$5.00 (First replacement free)

Internet Banking - Personal Accounts
	On Line Access................No Charge
            Electronic Bill Pay...........No Charge

Internet Banking Fees - Commercial Accounts
	On Line Access................No Charge
            Electronic Bill Payment.......No Charge
            See separate fee schedule for ACH & Wire Transfer Internet
	 Services.

All fees are subject to change without notice.

Sole proprietors and qualified non-profit organizations will find this Business Interest Checking account has benefits such as unlimited check writing and pays interest--

• Minimum Deposit to Open is $1,000.00
• Minimum Daily Balance:

  $2,000 or More	No Monthly Maintenance Fee
  Less Than $2,000	$11.00 Monthly Maintenance Fee

• Unlimited Check Writing
• Single non-tiered interest rate paid on daily collected balance
• Image Checks and deposit slips returned with bank statement

Interest Rate Paid Subject to Change Daily

With Internet Cash Management, you have access to the financial information you need to make critical business decisions-any time of the day or night.  This secure internet connection between your company and our cash management system also lets you complete important business banking at your convenience--through our home page via your Internet Service Provider (ISP).

It's a powerful tool to:

• Find out which checks and deposits have cleared, and which are about to clear
• Make loan payments
• Transfer funds between accounts
• Stop payments on checks
• Issue wire transfer instructions
• Download data to your accounting system
• ACH Services

Click here to complete and print an application. Return the application to the Bay Bank Branch location nearest you for processing. This form is in Portable Document Format (PDF) and you will need Adobe Acrobat Reader to view the form. Click here to download the Acrobat Reader if you don't have it.

Small Business Bill Pay:
Customers may apply for bill pay online--just click on the Bill Payment link, then select "Go to Pay Bills Site" then follow the on-screen directions for enrollment.Free Electronic Bill Pay services available thru CheckFree Corporation.

For your convenience, night deposit drops are available at all Bay Bank branches.

Designed to meet the checking needs for corporations or partnerships.

• Minimum Deposit to Open is $100.00

  Maintenance Fee	$6.00 per Month
  Check Paid Fee	$ .10 per Check
  Item Deposited Fee	$ .055 per Item
  Earnings Credit to Offset Fees	$ .21 per $100 of Minimum Balance

• Non-Interest Bearing
• Image Checks and deposit slips returned with bank statement