Bay Regular Savings

It's in the bank. Smile and rest assured.

Yes, it pays to save. Get started now at Bay Bank.

This interest-bearing account will allow your savings to grow, but also offers anytime access at our banking center and ATMs. (Based upon account balance)

	Minimum Balance to Open Account - $50.00 ($25.00 for minors, 18 years of age or younger)
	Compounding and Crediting Frequency - Interest will be compounded and credited to your account quarterly.
	Effect of Closing An Account – If you close your account before interest is paid, you will not receive the accrued interest.
	Minimum Balance to Avoid Imposition of Fees If your balance falls below $250.00 on any day in the statement cycle, your account will be subject to a $9.00 Maintenance Fee for that statement cycle. . No maintenance fee for Minors (18 years or younger) or senior citizens (65 years of age or older).
	Transaction Limitations – During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours by means of preauthorized or automatic transfer or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period. Your account will be subject to closure by the financial institution. An excess withdrawal fee of $2.00 per transaction will be imposed on all transfers/withdrawals over six (6) per quarter.
	Minimum Balance to Obtain the disclosed Annual Percentage Yield – you must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.
	Deposit Rate Information (Based upon account balance): Daily Balance $250.00 or greater - Savings Rate Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) into your account.
	Continuous Overdraft Fee $7 per day after 3 consecutive days with your account being overdrawn.