Checking Accounts

Baybank offers two checking account options to meet the varying needs of customers.

HomeTown Checking

This checking account is designed for individuals who enjoy the convenience of modern checking and the opportunity to earn interest on their money.

	It's Free! ... No Monthly Service Fee
	Pays Interest On Balances of $500 or More
	Comprehensive Monthly Statement
	Interest Compounds on a Monthly Basis
	No Minimum Balance (minimum of $100 to open)
	Unlimited Check Writing

Investors Choice

The higher the tier, the higher the interest rate. Plus Investor's Choice checking has an array of added values and services.

	Minimum Average Balance of $2,500 *
	Pays Interest Based on the Following Tiers: (call for current rates) ** Tier 1 - Up to $2,499.99 Tier 4 - $25,000 to $49,999.99 Tier 2 - $2,500 to $9,999.99 Tier 5 - $50,000 to $74,999.99 Tier 3 - $10,000 to $24,999.99 Tier 6 - $75,000 to $99,999.99 Tier 7 - $100,000 and over
	Free Baybank cashcard w/approval
	Free Safe Deposit Box Coupon ($17.00 value)
	Overdraft Protection (w/ credit approval)

	Comprehensive Monthly Statement
	Interest Compounds on a Monthly Basis
	Unlimited Check Writing

* A monthly average balance below $2,500 is subject to a $10.00 per month service fee.

** Interest rates and yields may change weekly at bank's discretion.

Member FDIC

	Thursday, June 20, 2013
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.