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Internet Checking
You must have an Internet Checking account to access information on your other accounts with Bay-Vanguard and to use the Bill Pay service. A minimum deposit of $100 is required to open an Internet Checking account. There are two types of internet checking accounts available.Direct Deposit Internet Checking
The following conditions apply to accounts receiving monthly electronic direct deposits:
- No minimum monthly balance requirement
- Unlimited Bill Pay service - $4.95 per month
- Unlimited free check writing
- Unlimited free point of sale transactions
- Overdraft protection available
- 5 free ATM transactions per statement cycle
- 1,500+ surcharge free ATMs
Internet Checking
The following conditions apply to accounts not receiving monthly electronic direct deposits:
- Interest compounded daily and credited monthly
- $500 minimum monthly average daily balance required
- Unlimited free check writing
- Unlimited free point of sale transactions
- Overdraft protection available
- 5 free ATM transactions per statement cycle
- 1,500+ surcharge free ATMs
Should the monthly average daily balance drop below the minimum required a monthly fee of $7 will be charged. See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders. See Rate Schedule for current interest rate.
*Bay-Vanguard will not charge its normal ATM transaction fee. However, if the ATM is not owned by Bay-Vanguard you may be charged a fee by the owner of the ATM. See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
Please read the following disclosures prior to opening an account:
Truth in Savings Statement Access Agreement ATM cardholder agreement Electronic Funds Transfer Policy Funds Availability Policy
Interest Checking
A minimum deposit of $100 is required to open and credit interest. The following conditions apply:
- Interest compounded daily and credited monthly
- $500 minimum monthly average daily balance required
- Unlimited free check writing
- Overdraft protection available
- Check imaging with monthly statement
- 5 free ATM transactions per statement cycle
- 1,500+ surcharge free ATMs
Should the monthly average daily balance drop below the minimum required a monthly fee of $7 will be charged. See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders. See Rate Schedule for current interest rate.
Please read the following disclosures prior to opening an account:
Truth in Savings Statement ATM cardholder agreement Electronic Funds Transfer Policy Funds Availability Policy
Free Checking
A minimum deposit of $100 is required to open.
- Unlimited free check writing
- Overdraft protection available
- Check imaging with monthly statement
- 5 free ATM transactions per statement cycle
- 1,500+ surcharge free ATMs
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
Please read the following disclosures prior to opening an account:
Truth in Savings Statement ATM cardholder agreement Electronic Funds Transfer Policy Funds Availability Policy
Money Market
A minimum deposit of $2,500 is required to open a Money Market Deposit account. The interest rate to be paid on your account will depend on the average daily balance in your account. The separate "tiers" that have varying interest rates that apply are:
See the Rate Schedule for current interest rates.
- average daily balance less than $100, no interest will be paid
- average daily balance $100 or more but less than $2,500
- average daily balance $2,500 or more but less than $10,000
- average daily balance $10,000 or more but less than $40,000
- average daily balance $40,000 or more
The following conditions apply:
- Interest compounded daily and credited monthly
- Transactions are limited to no more than six transfers per monthly statement cycle, of which no more than three may be made by checks to third parties.
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
Please read the following disclosures prior to opening an account:
Truth in Savings Statement ATM cardholder agreement Electronic Funds Transfer Policy Funds Availability Policy
Statement Savings
A minimum deposit of $50 is required to open a Statement Savings account. The following conditions apply:
- Interest compounded daily and credited monthly
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
See the Rate Schedule for current interest rate.Please read the following disclosures prior to opening an account:
Truth in Savings Statement ATM cardholder agreement Electronic Funds Transfer Policy Funds Availability Policy
Certificates of Deposit
A minimum deposit of $1,000 is required to open and credit interest. The following conditions apply:
- Interest compounded daily and credited monthly
- Terms from 4 months to 60 months available
- We may impose a penalty if the principal is withdrawn prior to maturity
- Available for IRA accounts
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
See the Rate Schedule for current interest rate.
Please read the following disclosures prior to opening an account:
Truth in Savings Statement
IRAs
Two types of accounts are offered as qualified Individual Retirement Accounts, an IRA Statement Savings account and IRA Certificates of Deposit. IRS rules and regulations also apply to these accounts.
IRA Statement Savings account
A minimum deposit of $10 is required to open and credit interest. The following conditions apply:
- Interest compounded daily and credited monthly
- No term, no penalty for early withdrawal (IRS penalties may apply)
- Deposits may be made at any time (IRS rules apply)
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
See the Rate Schedule for current interest rate.
IRA Certificate of Deposit
A minimum deposit of $1,000 is required to open and credit interest. The following conditions apply:
- Interest compounded daily and credited monthly
- Terms from 4 months to 60 months available
- We may impose a penalty if the principal is withdrawn prior to maturity
See the Fee Schedule for other fees that may apply. Fees may change subject to a 30 day notice to accountholders.
See the Rate Schedule for current interest rate.
For an application or questions contact customer service at support@bayvanguard.com or call 410-547-1088.
