BayLive Checking and Money Market

Higher Rates. Higher Rewards.

Don't miss out on our exciting high rate savings offers on our BayLive Money Market and Checking accounts. 

Money Market 4.51%* APY - Open Today! Checking 3.01% APY** - Open Today!

BayLive Checking

Get all of our convenient features that help you manage your money on top of the ability to earn as you save. Take advantage of it all with your BayLive Checking account.

The More You Save, The More You Earn

Earn 3.01% APY

On balances up to $25,000

BayLive Money Market

The bigger your balance, the greater your rate. If you have an active checking account with us, you can open a BayLive Money Market account and start earning more with our best rates.

Higher Rates. Higher Rewards.

Earn 1.51% APY

On balances $10,000 - $25,000

Earn 2.51% APY

On balances $25,001 - $50,000

Earn 4.51% APY

On balances $50,001 and more.

More Than Your Next Account

In addition to rates that grow with your balance, your BayLive accounts come with access to BayFirst’s 55,000 free ATMs, online and mobile banking, friendly and knowledgeable experts at all our banking location, and more.

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, including your next checking or money market account. For more than 20 years, we’ve helped customers get the most from their money so that they are ready for whatever’s next. Let us help you, too.

Open Your Account Today
*BayLive Money Market: Must have an active BayLive checking account to receive 4.51% APY (Annual Percentage Yield) on balances of greater than $50,000, or 2.51% APY on balances of $49,999 to $25,000 or 1.51% APY on balance of $24,999 to $10,000 or 0.05% APY on balances below $10,000. If BayFirst checking account is non-active, APY will adjust to 0.05% APY for all balances. Minimum $100 to open. Rate is effective as of 8/18/2023. 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. You may make six (6) withdrawals/transfers from your account each month, by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. Minimum balance to avoid $20 monthly fee is $1,000.

**BayLive Checking account: Account must remain active to receive 3.01% APY (Annual Percentage Yield) on balances of $0.01 to $25,000 and a range from 3.01% to 0.50% APY on balances greater than $25,000.01. Active is defined as direct deposit of payroll, SSI, or other income and 10 electronic debit transactions, including ACH debits, debit card point-of-sale, checks, and BillPay per monthly statement cycle. Eligibility requirements will begin the first full statement cycle following account opening. Personal accounts only. APY will adjust to 0.05% APY on all balances for non-active accounts. Rates are calculated on a daily balance method. Minimum $100 to open. Minimum balance to avoid $10 monthly fee is $1,500. Fees may reduce earnings. Rate is effective as of 8/18/2023.