Happy Hispanic Family

Exclusive Banking Offers

At BayFirst, the community is at the heart of everything we do. Wherever you are in life and wherever you’re going next, we’re here for you and our community with a friendly staff, convenient locations, and all the banking services you need. Whether you’re looking for assistance with your personal finances, help with a mortgage or refinance, or you’re ready for your next big business move, we’re here to help.

Take Advantage Of Exclusive Offers

$3501 With A New Checking Account

Open a new checking account and we'll match direct deposits or auto transfers up to $350 in the first 90 days.

Checking Account Features:

  • No monthly service charge
  • 55,000 free ATMs nationwide
  • Mobile Banking app with Mobile Deposit

$1502 With A New Savings Account

Open a new savings account and we'll match direct deposits or auto transfers up to $150 in the first 90 days.

Savings Account Features:

  • Earn interest on your entire balance with daily compounded interest
  • Mobile Banking app with Mobile Deposit

$1503 With A New Cash Kids Club Savings Account

 As a Kids Club Member, Kids Will:

  • Get a free app with games and educational resources
  • Receive a Cash Kids Club T-shirt, Swag Bag and more
  • Earn 5.04% APY on first $5003
  • Have access to free online banking and a mobile app
  • Receive a Free Tampa Bay Rowdies mini soccer ball 

Take Advantage Of Other Bonus Offers

Advantage Money Market Account

The more you save, the more you earn!

.65% APY4

  • Minimum balance of $50,000

Get Up To $2,5005 For Home Equity Line Of Credit Or Loan

It is a great time to use your home equity!

Qualify for up to $2,500 in closing costs.

Flexible Spending Options!

Get Up To $5006 For Closing A Mortgage And A New Checking Account

Get up to $500 for your next big move!

Earn up to $2506 for closing a mortgage and up to $250for a new checking account.

Wide range of home loan options available!

1To qualify for the $350 bonus, you must be a new BayFirst checking customer and qualified to open a checking account in accordance with our normal standards. You must establish direct deposit or auto transfer to your new account. Your account must remain open in order to receive the $350 bonus. BayFirst will match up to $350 for direct deposits or auto transfers within the first 90 days of account opening. The deposit match will be deposited on the 91-100 day after account opening. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. This offer applies to simply free checking accounts only. There is a $100 minimum to open and no minimum balance required. The $350 bonus will be reported to the IRS in accordance with applicable law. This is not an interest-bearing account. Offer expires 6/18/2022.

2To qualify for the $150 bonus, you must be a new BayFirst Statement Savings customer and qualified to open a savings account in accordance with our normal standards. You must have a BayFirst checking account and must establish direct deposit of your salary, pension, SSI or other regular automated transfers to your new account. Your account must remain open in order to receive the bonus. BayFirst will match up to $150 for direct deposits or auto transfers within the first 90 days of account opening. The deposit match will be deposited on the 91-100 day after account opening. The Statement Savings earns 0.15% annual percentage yield (APY) on all balances. Minimum balance to open is $50. Minimum balance of $50 to avoid a $3 monthly maintenance fee. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. This offer applies to personal accounts only. The $150 bonus will be reported to the IRS in accordance with applicable law. Offer expires 6/18/2022.

3To qualify for the $150 Cash Kids Club bonus, must be new BayFirst customer and qualified to open an account in accordance with our normal standards.
No minimum balance requirement. Minimum to open is $10.00. Offer is subject to change and may be withdrawn at any time. To receive bonus payment, account must be open at least until bonus payment is credited to the account. BayFirst will match and pay up to $25 for deposits made per statement cycle for the first six statement cycles. Payment will be made each statement cycle. Account must be opened by 6/18/2022. Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an APY of 5.04%. An interest rate of 2.97% will be applied on daily balances between $501.00 and $3,000, the APY for this tier will range from 5.04% to 3.35% depending on the balance in the account. An interest rate of 1.00% will be applied on daily balances above $3,000, the APY for this tier will range from 3.35% to 2.41%, depending on the balance in the account. APY calculations are based on a total deposit balance of $5,000. Rates effective as of 3/31/22. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees could reduce earnings. The $150 bonus will be reported to the IRS in accordance with applicable law.

4The Annual Percentage Yield (APY) is accurate as of 03/31/22 and is subject to change without notice. APY will vary based upon the daily balance maintained: Up to $4,999.99 earns 0% APY, $5,000 to $49,999.99 earns .45% APY, $50,000 and over earns .65% APY. The minimum balance to open is $1,000. A monthly fee of $15 will be imposed if the balance falls below $5,000 on any day of a statement cycle. Funds may not come from an existing BayFirst account. Fees may reduce earnings. Federal banking regulations impose transaction limitations. An excess transfer fee may apply. Accompanying Advantage Interest Checking account is required.

5On lines of credit and loans applied for between 4/17/22 and 6/18/22. All lines of credit and loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or terminate without notice. Line of credit or loan must close in order to receive this offer. If you payoff or close your home equity loan prior to 24-months from origination, you may have to repay bank paid closing costs. Closing costs offer is for $2,500 or the actual amount of closing costs, whichever is less. 

6To qualify for the $250 bonus, you must be a new BayFirst checking customer and qualified to open a checking account in accordance with our normal standards. You must establish direct deposit or auto transfer to your new account. Your account must remain open in order to receive the $250 bonus. BayFirst will match up to $250 for direct deposits or auto transfers within the first 90 days of account opening. The deposit match will be deposited on the 91-100 day after account opening. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. This offer applies to simply free checking accounts only. There is a $100 minimum to open and no minimum balance required. The $250 bonus will be reported to the IRS in accordance with applicable law. This is not an interest-bearing account. Account must be opened by 6/18/22.

6To qualify for the $250 closing cost bonus, you must have recently closed a residential home purchase loan or refinance loan and have an active BayFirst checking account. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. The $250 bonus will be reported to the IRS in accordance with applicable law. This is not an interest-bearing account. Cash bonus will be deposited into your BayFirst Checking account 31 days post-closing your loan. Loan must be closed by 06/30/22.