Personal Banking Made Easy

Ready to find your next personal checking account? From simple and free to interest-earning and accounts for teens, weʼve got the types of checking accounts you need, plus all the digital banking features you want. 

Which Checking Account Checks All Your Boxes?

Compare Account Features

Essential Checking

Get a fresh start with Essential Checking. Manage your money wisely, without overdraft fees

Teen Checking

Give your teen the freedom to build positive money habits while you keep an eye on their spending with parental controls.

Simply Free Checking

Get all the basic services you need with no minimum requirement and no monthly service charge.

BayLive Checking

Get more from your money with tiered interest rates and a low minimum deposit to get started.

Interest Advantage Checking

Earn interest on your checking account safely, and watch your money grow.
Compare Account Features

Online Banking

Manage your money from the palm of your hand. Securely transfer funds, check balances, pay bills, and take care of your finances anywhere. Download the app from the Apple Store or Google Play.

Download on the App StoreGet it on Google Play

Which One Is Right For You?

 
Simply Free Essential BayLive Interest Advantage Teen Checking
Open Now a Simply Free Account Find a Location Open Now a BayLive Account Open Now an Interest Advantage Account Find a Location
Monthly service fee
$0 $1.95 $10 or $0 Ways to waive fees $10 or $0 Ways to waive fees $0
Earns interest
Access to 55,000 free ATMs
$25 refunded in out-of-network ATM Transactions*
Access to Online Banking
Send Money with Zelle®
Online Bank to Bank Transfers
Forward Pay (Get paid up to 2 days early)
BayFirst Mobile Banking App
Online Bill Pay
Age requirement
13-18
Free coin counting
Learn More about Simply Free Learn More about Essential Learn More about BayLive Learn More about Interest Advantage Learn More about Teen Checking

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, including your next checking account. For more than 20 years, we’ve helped people in our own backyard reach their long- and short-term financial goals by providing some of the best personal checking accounts available, with features designed for every customer. We promise an easy account opening process, safe and secure banking, and an expert team that is here to help every step of the way.

Personal Checking FAQ

A checking account is a type of bank account that allows you to deposit and withdraw money easily. It's designed for frequent transactions such as paying bills, making purchases, and withdrawing cash.

While both checking and savings accounts are offered by banks, they serve different purposes. A checking account is typically used for everyday transactions and often has no limit on the number of withdrawals you can make. A savings account, on the other hand, is designed for saving money over the long term and may have restrictions on withdrawals.

Yes, some of our checking accounts do offer interest. However, the interest rates are typically lower than what you would earn with a savings account.

BayFirst makes it easy to open your checking account online and in person at a banking center near you. You’ll just have to provide your name, date of birth, address, email, phone number, social security number, and additional information to get started. 

When it comes to your next personal checking account you’ll want to compare all of the types of checking accounts BayFirst offers. Check out our comparison chart to see the differences.

Determining the best checking account depends on your financial habits and preferences. At BayFirst, we offer simple and free accounts, interest-bearing accounts, teen accounts, and more, each offering unique features and benefits tailored to specific needs.

Yes, our savings accounts are FDIC insured up to the maximum allowable limit of $250,000. Open a checking account online today and enjoy the benefits of banking with BayFirst, while having peace of mind knowing that your money is secure.

*Account holders will be reimbursed up to $25.00 per month for fees incurred using out-of-network ATMs. This includes up to $10 per month in foreign ATM fees imposed by BayFirst and up to $15 per month in additional surcharges imposed by the ATM’s bank or owner. Reimbursements will be made automatically at the end of each monthly statement cycle.