Business Banking
Personal Online Banking
Treasury Management

Bay Bank offers all the tools you would expect to help you manage your cash. 

Contact us about any of these convenient services today.

Treasury Management Services

  • Merchant Services – Debit & Credit Card Payment Processing
  • ACH Services
  • FED Wires
  • Zero Balance Accounts
  • Payroll Processing
    In need of a payroll service?  Contact BenefitMall, our payroll processing partner.
  • Sweep Accounts
    – Provides Businesses an Automatic, Low-risk and Cost Efficient Program to Invest Surplus Cash
    – Checking Account is Subject to Analysis

See account disclosures for additional terms and conditions.

Business Online Banking

  • Balance Reporting
  • Bill Payment
  • View Transaction & Transfer Funds
  • Alerts 
  • Stop Payments
  • ACH Collection & Payment Origination*
  • Wire Transfers
  • State & Federal Tax Payments* 
  • View & Pay Bank Loans
  • Check Images
  • eStatements
  • Access 24/7

*Approval required

Service Options with Pricing


Online banking customers can choose to receive electronic monthly and quarterly statements instead of receiving paper statements. Sign up for online banking and select "change your statement delivery method" to receive eStatements. 

Remote Deposit Service*


Remote Deposit Service provides businesses of all sizes the ability to make check deposits at their office location and electronically deliver the check images and MICR information to Bay Bank over a secure internet connection. No more deposit slips, trips to the bank or paying couriers to do the job. Saving time, saving money and increasing the security of transactions is as easy as installing a small table-top scanner linked to a personal computer and some easy-to-use image capture software.

  • Cost & Convenience Benefits
  • Consolidate Accounts
  • Reduce Posting Errors
  • Eliminate Trips to the Bank & Transportation Expenses
  • Extend Deposit Window Until 11:00 PM with Same Day Credit
  • Save Money - Bay Bank Supplies All of the Equipment
  • Reduce Fraud
  • Faster Access to Funds
  • Reduce Time to Research Checks & Deposits
  • Make Deposits Anytime – 24/7
  • Access & Store Digital Check Images
  • Convenient and Safe

View our demo

For additional information, call (410) 312-5400.

*Approval Required.

Visa Credit Cards

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)


ReSubmitItThis free electronic check recovery service is available to all business customers. The service utilizes RCK (electronic re-presentment) technology to help businesses collect money from NSF checks.

  • Free Service to all Business Banking Customers
  • Improves Collection of Non-Sufficient Funds (NSF) Checks
  • Reduces Collection Costs
  • Reimburses 100% of the Check's Face Value
  • 24/7 Access to Online Tracking System

Visit our Resource Library for more information on our treasury management offerings.

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