Personal Deposit Accounts

Bay Freedom Checking

Our Bay Freedom Checking account meets everyone’s needs…

• Minimum deposit to open is $100
• No monthly service fee
• No per check charge
• No minimum balance requirement
• Unlimited check writing
• 1st order of checks free (Image checks only)
• Free ATM card or Free Master/Money Debit card*
• Free Internet Banking**
• Free Telephone Banking
• Overdraft Protection Available***

The account is a non-interest bearing, personal checking account. Not available to business entities, non-profit organizations or public funds.

No check images or checks will be returned in the customer’s statement.

*Subject to application approval.
**Electronic Bill Pay services available thru CheckFree Corporation. $6.95 per month, with the first 90 days free.
***Requires establishment of savings account.

See Miscellaneous Service Fees other customer service fees.

Regular Checking

If you want the convenience of unlimited checking -

• Minimum deposit to open is $50
• Unlimited check writing
• Minimum daily balance requirement:

$500 or more	No monthly maintenance fee
Less than $500	Check safekeeping: $7 monthly maintenance fee
	Check images:      $9 monthly maintenance fee

Interest Checking**

If you want unlimited check writing and to earn interest-

• Minimum deposit to open is $100
• Unlimited check writing
• Minimum daily balance requirement:

$2,000 or more	No monthly maintenance fee
Less than $2,000	Check safekeeping:     $10 monthly maintenance fee
	Check images returned: $12 monthly maintenance fee

Super Interest Checking**

If you are interested in a package deal with added features, Super Interest Checking is the one for you.

• Minimum deposit to open is $500
• Minimum daily balance requirement:

$3,000 or more	No service charge
Less than $3,000	$15 per month

Features:

• Tiered Interest (higher balances earn more interest)
• Unlimited Checking (No per check fee)
• No Fee BayCheck Card (with application)
• No Fee Gold Master Card (with credit approval)
• No Fee Internet Banking
• No Fee InTouch Telephone Banking
• First Order of Checks at No Cost (Wallet and Top Stub Styles Only)
• 50% Lifetime Discount on Safe Deposit Box Rental (Subject to availability)

**Additional Terms

There are additional terms you may wish to review on Interest Checking, Super Interest Checking, Super Savings, Money Market, Prime Money Market, Premier Checking and Premier Plus Checking.

These terms are listed below:

1. Interest rate and annual percentage yield may change at any time


2. At our discretion, we may change the interest rate on your account


3. If you close your account before interest is credited you will not receive the accrued interest


4. Daily balance method is used to calculate the interest on your account


5. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (e.g. Checks)

Premier and Premier Plus Checking: Must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage rate.

Money Market and Prime Money Market Account: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six(6) per statement cycle with no more than three(3) by check, draft, or similar order to third parties.