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Accountholder Action Required
Important Information Affecting Your Checking Account:Action Required
A recent change to your checking account was approved by the Federal Reserve (effective August 15th, 2010) which will affect the level of service we provide to you. Your action is required otherwise your checking account features will no longer be the same.

The new regulation requires us to obtain your approval before we consider payment of your ATM withdrawals and debit card purchases that may create an overdraft in your checking account. We currently provide this service to you as part of our Overdraft Privilege Program. The majority of our customers prefer having this service to avoid the embarrassment of having their debit card purchase denied at the grocery store checkout line, at the pharmacy when paying for prescriptions, or at a restaurant when paying the bill.
To continue receiving the same level of service, you’ll need to complete the “opt-in” form and mail it to us or drop it off at any of our locations. You can also call us at 410-477-5000 Ext 11 or go to. Once you “opt-in” we will send you a letter to confirm your choice.

We appreciate having you as our customer. There is no charge for this service unless you use it.

Please remember that your prompt action is required so your service level is not disrupted.

Click here to open the form. Print it, fill it out and mail it to:

Bay-Vanguard FSB
7114 North Point Road
Baltimore, Md. 21219
ATTN: ODP


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