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Checking & Money Market Accounts

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

Checking Account

Account TypeInterest Checking**Non-Interest Checking**Free Checking**Money Market**

Account Type


Opening Deposit

[link url=(/personal/checking-money-market-accounts/#InterestCheckin)]Interest Checking**[/link]


$100.00

[link url=(/personal/checking-money-market-accounts/#Non-InterestChe)]Non-Interest Checking**[/link]


$100.00

[link url=(/personal/checking-money-market-accounts/#FreeChecking)]Free Checking**[/link]


$100.00

[link url=(/personal/checking-money-market-accounts/#MoneyMarket)]Money Market**[/link]


$2,500.00

Account Type


Minimum Balance

[link url=(/personal/checking-money-market-accounts/#InterestCheckin)]Interest Checking**[/link]


$500.00

[link url=(/personal/checking-money-market-accounts/#Non-InterestChe)]Non-Interest Checking**[/link]


$0

[link url=(/personal/checking-money-market-accounts/#FreeChecking)]Free Checking**[/link]


$0

[link url=(/personal/checking-money-market-accounts/#MoneyMarket)]Money Market**[/link]


$100.00

Account Type


Monthly Maintenance Fee

[link url=(/personal/checking-money-market-accounts/#InterestCheckin)]Interest Checking**[/link]


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

[link url=(/personal/checking-money-market-accounts/#Non-InterestChe)]Non-Interest Checking**[/link]


$0

[link url=(/personal/checking-money-market-accounts/#FreeChecking)]Free Checking**[/link]


$0

[link url=(/personal/checking-money-market-accounts/#MoneyMarket)]Money Market**[/link]


$0

Account Type


Interest Bearing*

[link url=(/personal/checking-money-market-accounts/#InterestCheckin)]Interest Checking**[/link]


Yes

[link url=(/personal/checking-money-market-accounts/#Non-InterestChe)]Non-Interest Checking**[/link]


No

[link url=(/personal/checking-money-market-accounts/#FreeChecking)]Free Checking**[/link]


No

[link url=(/personal/checking-money-market-accounts/#MoneyMarket)]Money Market**[/link]


Yes

Account Type


Features

[link url=(/personal/checking-money-market-accounts/#InterestCheckin)]Interest Checking**[/link]


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

[link url=(/personal/checking-money-market-accounts/#Non-InterestChe)]Non-Interest Checking**[/link]


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

[link url=(/personal/checking-money-market-accounts/#FreeChecking)]Free Checking**[/link]


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

[link url=(/personal/checking-money-market-accounts/#MoneyMarket)]Money Market**[/link]


  • Free Online Banking
  • Free Bill Pay -Debit Card
  • Free Internal transfers from the teller line***
  • 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.
***Transaction limits for all Money Market accounts

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 maintenance fee
  • Interest is compounded daily and credited monthly.
  • No per check fee
  • Free internet banking and bill pay
  • Overdraft Protection Available
  • Five (5) free ATM transactions per statement cycle
  • 1,800+ surcharge free ATM’s
  • Variable Interest Rate

Non-Interest Checking

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

  • No minimum balance and no monthly maintenance 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
  • Five (5) free ATM transactions per statement cycle
  • 1,800+ surcharge free ATM’s

Free Checking

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

  • No minimum balance and no monthly maintenance 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
  • Unlimited ATM transactions
  • 1,800+ surcharge free ATM’s

Money Market

A minimum deposit of $2,500.00 is required to open. 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:

  • Average daily balance less than $100.00, no interest will be paid
  • Average daily balance $100.00 or more but less than $2,500.00
  • Average daily balance $2,500.00 or more but less than $10,000.00
  • Average daily balance $10,000.00 or more but less than $25,000.00
  • Average daily balance $25,000.00 or more but less than $50,000.00
  • Average daily balance $50,000.00 or more

Interest is compounded daily and credited monthly
An image of your cancelled checks is returned to you with your statement.

No more than six (6) transfers from your account during a monthly statement cycle.

  • Variable interest rate

Contact Us

Phone:
410-768-5300
Fax:
410-760-6016
Address:
8070 Ritchie Hwy Pasadena, MD  21122

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Lost or Stolen!

To report lost or stolen cards, call us at 410-768-5300 during regular business hours. After hours, please call 1-800-523-4175.

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