Business Banking
Personal Online Banking
Business Checking

From a basic Business Checking account to an analysis account, we have a product that best suits your needs.

Benefits Bay Business Checking Bay Business Relationship Checking Bay Business Analysis Checking Bay Not-For-Profit Checking
Opening Deposit $100 $100 $100 $100
Interest Bearing N/A N/A N/A N/A
Average Collected Monthly Balance (ACMB) $1,500 $10,000 in deposit balances OR
$50,000 in linked loan balances
N/A $100
Monthly Maintenance Fee $12
If balance falls below ACMB
$12
If balance falls below ACMB
$15
May be offset by account balances (Earnings credits applied to service fees based upon account balance)
$12
if balance falls below ACMB
Transactional Items 200 free per statement cycle
$.25 for each transaction over 200
300 free per statement cycle
$.25 for each transaction over 300
$.16
May be offset by account balances
50 free per statement cycle
$.25 for each transaction over 50
Free Mobile Banking Check Check Check Check
Online Banking* Free Free Free Free
Free Visa® Business CheckCard** Check Check Check Check
Free Telephone Banking Check Check Check Check
Over 15,000 Nationwide MoneyPass ATMs Check Check Check Check
Free & Unlimited Use of Bay Bank ATMs Check Check Check Check
*Basic Business Online Banking is free. Fees apply for additional business online services.
 **The ATM owner/operator or network(s) may charge a fee.
Ask a Bank representative about our MAHT (Maryland Affordable Housing Trust) & IOLTA (Interest on Lawyers Trust Account) business accounts.

Other Business Services:

Business Online Banking

From bill payment to wire transfers and ACH services.  We have all the tools you need to making banking easy.  Learn more.

Remote Deposit Service

Deposit checks right from your office with our Remote Deposit Capture service.  Learn more.

Visa Credit Card 

Our Visa Business Platinum credit cards offer all the perks you need and a competitive rate.  Enjoy no annual fee, reward points option, employee cards at no extra charge, consolidated statements and comprehensive reporting, identity theft assurance, 24/7 account accessibility and more.  Learn more or apply online today.  (Issued by TCM Bank, N.A. Subject to credit approval)

Visa Business Debit Card

Visit our Resource Library for more information on our business checking accounts.