family sitting around together laughing and smiling

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**Reward Checking**

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

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


$100.00

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

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


$0

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

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

[link url=(/personal/checking-money-market-accounts/#RewardChecking)]Reward Checking**[/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 Between Accounts
  • Overdraft Protection Available

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


  • Free Online Banking
  • Free Bill Pay
  • Debit Card
  • Free Internal Transfers between Accounts
  • Up to $50 in foreign ATM surcharge reimbursed per statement cycle
  • 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 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

Reward Checking

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

  • 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 between $.01 and $10,000 (if qualifies)
    • Average daily balance $10,000.01 or more (if qualifies)
  • 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
  • Up to $50.00 in foreign ATM surcharges reimbursed per statement cycle
  • 1,800+ surcharge free ATM’s
  • Variable Interest Rate
  • The below requirements must be met every statement cycle to earn interest and to have Foreign ATM surcharges reimbursed.
    • Enrolled into Online Banking
    • Enrolled into eStatements
    • 1 bill pay or direct deposit
    • 12 debit card purchases

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.

  • Variable interest rate

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

Search Our Site

Shareholder Information

Copryright Bay-Vanguard. All Rights Reserved.

Privacy Statement | 2020 Proxy Statement & Annual Report | Press Releases | Symbol “BVFL” | Facebook link |  LinkedIn link

Logo FDIC Logo Equal Housing Lenders