Checking Accounts

Choose a Baylands Checking Account….because you’re worth it!

Basic Checking

Enjoy no monthly service fee, no minimum balance, and no worries with a simplified account to suit basic checking needs.  With a Share Draft Checking account, you enjoy the basics and more….

  • Earn dividends on your balance
  • No “per check” fees
  • VISA ® Debit Card available
  • Overdraft protection available
  • Free Monthly E-statements
  • Free Online Banking
  • Free Mobile Access
  • Free Online Bill Payment
  • Online Check Reorder – Harland Clarke, our preferred provider, offers fast and secure ordering whether in person, online, or via phone.  Their online site is VeriSign secure and TruSecure certified so your transactions and account information are safe and completely confidential. 

Grow Green Reward Checking

Grow Green Checking acts like a traditional checking account, but has added features that actually reward you for using it. 

Grow Green Checking allows you to earn an incredible high rate on your personal checking account for balances up to $15,000. In addition, you will have access to nationwide branch and ATM locations as well as mobile, text and online banking. And if that isn't enough to tickle your fancy, we will also refund your out-of-network ATM fees up to $25 per statement period.

Qualifying is easy!  All you have to do to get these great benefits is fulfill these easy requirements – things you’re probably doing already:

  • Have at least one ACH credit or direct deposit per qualification period
  • Have at least 12 debit card transactions post and clear per qualification period
  • Sign up for and receive monthly e-statements (must maintain a valid email address)
  • Access Online Banking at least once per qualification period

With Grow Green Checking, you get more than just a checking account - you get a money maker as well!

*APY = Annual Percentage Yield. Dividends are compounded daily and credited monthly based on the average daily balance method. You must satisfy all of the requirements in our Truth in Savings disclosure during each qualification period to obtain the qualifying percentage yield. ATM fees may be refunded up to $25.00 on qualified accounts. If you close your account before accrued dividends have been credited to your account, all accrued dividends will be forfeited. Fees may reduce earnings. No minimum balance required, although $5 must be deposited into a Share Savings Account in order to open a Grow Green Account. Balances over $15,000 earn .05% APY. If requirements are not met, the APY on all balances will be .05% APY and normal ATM fees will apply. This rate is effective as of 8/8/2016 and is subject to change. See Member Service Representative for additional disclosures.