Business Banking

Regular Business Checking

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
• Checks/Deposit slips returned with bank statement

Small Business Checking

Small businesses and sole proprietors with sales of $750,000 or less will find this Small Business Checking account easy to manage--

• Minimum Deposit to open is $100.00
• Minimum Daily Balance:

$2,500 or more	No Monthly Maintenance Fee
Less Than $2,500	$15.00 per Month

• Checks Paid Fee:

0 to 50	No Charge
51 or More	$  .20 per Item

• Items Deposited Fee:

0 to 150	No Charge
151 or More	$  .10 per Item

Note: Excess Item Fees Will Be Assessed Regardless of Balance

Business Interest Checking

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 per Month

• 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

Business Savings

Looking for an easy way to earn interest and save for a rainy day? This Business Savings account provides that opportunity.

• Minimum Deposit to Open is $100.00
• Minimum Daily Balance:

$100.00 or more during statement cycle	No Maintenance Fee
Less Than $100.00 during statement cycle	$10.00 Maintenance Fee

• Excessive Withdrawal Fee:

Up to 6 per quarter	No service charge
7 or more per quarter	$3.00 per item

• Interest is calculated daily, payable on a calendar quarterly basis.

Interest Rate Paid Subject to Change Daily

Business Money Market Account

All types of businesses find the Business Money Market account to be the perfect investment account for those extra funds or as a companion to the operations account.

• Minimum Deposit to Open is $2,500.00
• Minimum Daily Balance:

$5,000 or More	No Monthly Maintenance Fee
Less Than $5,000	$12.00 per Month

• Excessive Withdrawal Fee:

Up to 6 per Statement Cycle	No service charge
7 or More per Statement Cycle	$10.00 per item

• Limited Check Writing-Unlimited Internal Transfers
• Interest Paid on Daily Collected Balance
• Interest Credited on a Monthly Basis on the Following Tiers:

			Interest Rate	APY%*
Tier 1	$ 0 -	$ 2,499.99	0.10%	0.10%
Tier 2	$ 2,500 -	$ 9,999.99	0.40%	0.40%
Tier 3	$ 10,000 -	$49,999.99	0.60%	0.60%
Tier 4	$ 50,000 -	$99,999.99	0.85%	0.85%
Tier 5	$100,000	or more	1.10%	1.11%
Rates effective as of April 10, 2008




*Annual Percentage Yield
Rates set by Management

Interest Rate Paid Subject to Change Daily

Basic Club Account

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 Regardless of Balance $ 4.00 per Month
• Non-Interest Bearing
• Check Safekeeping Mandatory
• Account is available to unincorporated non-business or non-profit organizations.

Internet Banking - Business

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:
This service allows unlimited bill paying online. It's easy and fast--no checks to write, no envelopes to address, and no stamps to purchase. The cost is $10.95 per month.

Cash Managaement:
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.

Night Deposit Drop

For your convenience, night deposit drops are available at all branches and Bay Banker locations.

Miscellaneous Services Fees

Cashiers Check
     Customer                     No Charge
     Non-Customer                 $10.00 per Check
Money Orders
     Customer                     No Charge
     Non-Customer                 $ 4.00 per Money Order
Travelers Checks
     For One Signature            No Charge
     For Two Signatures           No Charge
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 Tracer
     International Bank Draft     $17.50 per Draft
Legal Process Fee 
     (Writs, Levies, etc.)        $75.00
Counter Checks (Minimum 10)       $ 2.00 per 10 checks
Non Customer Check Cashing        $ 5.00 per Check
Check/Deposit Ticket Printing     Fee depends on Style
                                  and quantity ordered.
                                  Specific pricing 
                                  available separately.
Savings Withdrawal/Deposit Slips  No Charge

Insufficient Funds Fee*           $25.00 per Non-sufficient funds
Statement Snapshots
     (Without items)              $ 3.00 per Statement
Special Request Statement
      (With items)                $10.00 per Statement
Deposit Item Returned Fee         $ 4.00 per Item
Check Copies:	 
     Safekeeping Accounts         $  .75 per Copy
     All other accounts           $ 2.00 per Copy
Research Requests:
     Per Hour                     $25.00 per Hour
     Minimum Charge               $25.00
Account Reconcilement Fee:
     Current and Prior two months $10.00 per Hour
     Minimum Fee                  $10.00
Hold Mail Fee                     $ 2.00 per Month
Returned/Undeliverable Mail Fee   $ 2.00 per Month
Coin and Currency Processing:
     Currency                     $  .50 per Strap
     Coin                         $  .05 per Roll

All fees are subject to change without notice.
Certain restrictions or penalties may apply.

* An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or other electronic means.