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Compare Checking Accounts

BayVanguard’s checking products are designed to make banking easy and convenient.
Experience a better way to bank!

Compare Checking & Money Market Accounts

Account TypeInterest Checking**Free Checking**Bonus Checking**

Account Type


Opening Deposit

Interest Checking**


$100.00

Free Checking**


$100.00

Bonus Checking**


$100.00

Account Type


Minimum Balance

Interest Checking**


$500.00

Free Checking**


$0

Bonus Checking**


$0

Account Type


Monthly Service Fee

Interest Checking**


$8.00
Fee is $0 providing the minimum balance requirement is maintained

Free Checking**


$0

Bonus Checking**


$0

Account Type


Interest Bearing*

Interest Checking**


Yes

Free Checking**


No

Bonus Checking**


Yes

Account Type


Features

Interest Checking**


  • Free Online Banking
  • Free Bill Pay
  • Debit Card
  • Free Internal Transfers between Accounts
  • Overdraft Protection Available

Free Checking**


  • Free Online Banking
  • Free Bill Pay
  • Debit Card
  • Free Internal Transfers Between Accounts
  • Overdraft Protection Available

Bonus Checking**


  • Free Online Banking
  • Free Bill Pay -Debit Card
  • Free Internal Transfers Between Accounts
  • Overdraft Protection Available

*Interest rates set by BayVanguard Bank are subject to change. Interest is calculated daily and credited monthly.
**Subject to qualification requirements and must agree to Terms and Conditions.

Interest Checking

A minimum deposit of $100 is required to open. The following conditions apply:

  • Minimum balance to earn interest is $100.00
  • An image of your cancelled checks is returned to you with your monthly statement.
  • Average daily balance of $500.00 is required to avoid the $8.00 monthly service fee
  • Interest is compounded daily and credited monthly.
  • No per check fee
  • Free internet banking and bill pay
  • Overdraft Protection Available
  • Variable Interest Rate

Free Checking

A minimum deposit of $100 is required to open.
The following conditions apply:

  • No minimum balance and no monthly service fee
  • An image of your cancelled checks is returned to you with your monthly statement
  • Non-interest bearing account
  • No per check fee
  • Free internet banking and bill pay
  • Overdraft Protection Available

Bonus Checking

A minimum deposit of $100 is required to open. The following conditions apply:

      • You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield.
      • An image of your cancelled checks is returned to you with your statement.
      • Interest is compounded daily and credited monthly.
      • No per check fee
      • Free internet banking and bill pay
      • Overdraft Protection Available
      • Variable Interest Rate

Additional Terms:

You will receive a $400.00 credit as a bonus once after the qualifying requirements are met.

The below qualifying requirements must be met every statement cycle for four consecutive months to earn interest and qualify for the bonus:

      • Maintain a $1,000.00 minimum daily average balance of $1,000.00
      • Enrolled into Online Banking
      • Enrolled into eStatements
      • 4 or more Bill Pay, Debit Card, ACH or combination thereof transactions
      • Qualifying direct deposit of $1,000.00 or more per statement cycle. A qualifying direct deposit is a recurring direct deposit of regular monthly income – such as, salary, pension, social security benefit, electronically deposited by an employer or other payer into the new checking account. Transfer done via ATM, online, teller or transfer from another account is not a qualifying direct deposit.

*Limit to one bonus per qualifying account.  Limit of one bonus per individual.  Bonus is not eligible to individuals who have or had a BayVanguard Bank checking account within the last 12 months.  Account must be opened when bonus is credited.  Bonus will be credited to the account within 30 days of the account qualifying for the bonus.  The bonus is interest and subject to IRS reporting on Form 1099-INT.

Bonus eligibility expires six months from account opening date.

Contact Us

Email:
support@bayvanguard.com *Please DO NOT send personal/confidential information via email.  Non-public personal and account information such as Account Numbers, Passwords, PINs, and Social Security Numbers should not be sent through email.
Phone:
410-477-5000 Toll-Free: 1-844-301-1880
Fax:
410-477-1020
Address:
7114 North Point Road Baltimore, MD  21219
Telephone Banking:
1-855-757-8314
BayVanguard Routing Number:
252071159

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