Thursday, September 18, 2014
Serving Delta County

We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula.

Our fundamental purpose is to meet the financial needs of the people in Delta County, protect and increase the value of our shareholders investments, and serve Delta County in financial and non-financial ways.

Baynet Login
Baynet is an online bill payment solution that supports one-time, recurring, and expedited electronic payments to any individual or any entity in the United States.


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Reserve Checking Credit Line

Baybank's CheckMate account is attached to your Baybank checking account.  We set aside a cash reserve that you can draw on when the need arises.  When you write a check for an amount larger than your balance, we automatically transfer funds from your cash reserve into your checking account to cover your check.  Just by writing a check, you've written yourself a loan with no "red tape."  To repay your CheckMate loan, we automatically charge your account for the minimum monthly payments based on 5% of your outstanding loan balance.  The interest on the loan is charged to your account.  

 

Overdraft protection automatically covers your checking account overdrafts with advances from a line of credit.