Comprehensive Banking Solutions - BayFirst Financial

Bank with the best. We're proud to be awarded Forbes' best bank in Florida.

From opening your first savings account to providing a loan to start your first business, supporting our community and customers banking needs always comes first.

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Here For What's Next^®

What’s your next account?

Personal Banking

Financial solutions to help you meet your personal goals, whether you need a loan for what's next or an account to help you save for it.

Checking Accounts
Savings & CD Accounts
Auto, Boat & Other Vehicle Loans
Mortgage & Home Equity Loans
Personal Loans

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Business Banking

We offer nationwide business lending along with business banking and cash management services so your business can focus on what's next.

Checking Accounts
Saving & CD Accounts
Business Lending
Merchant Services
Treasury Management

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Banking on Your terms.

with the technology and features you'd expect from the big banks.

Manage all your accounts directly from the BayFirst Banking app
Round up debit card purchases to the nearest dollar and automatically transfer to your savings with RoundUp
Get paid 2 days early with Forward Pay
Contactless debit cards
Free credit score monitoring
Access to 55,000 free ATMs

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Bank anywhere with digital & online banking

Put your savings to work.

See how a BayLive Money Market account stacks up.

Savings calculator is for illustration only. Calculations are estimates of expected interest earned. Actual results may vary, based on various factors such as leap years, timing of deposits, rounding and variation in interest rates. Interest compounds daily. The first recurring deposit is assumed to begin in the second period after any initial deposit. National Average Bank APY (Annual Percentage Yield) is based on National Rates and Rate Caps [published by the FDIC. https://www.fdic.gov/national-rates-and-rate-caps]

Customized Business Loans

Loans for any business.

BayFirst offers loan options designed so no matter your size, industry, or amount of funding needed, we're here to fuel what's next. Simply put, we are one of the best places to get a small business loan.

EXPLORE LOANS

More than $2 Billion in small business loans funded.

As one of the nation's top SBA lending teams, we've helped thousands of businesses and funded over $2 billion in loans to businesses. Our dedicated in-house team of industry expert lenders are ready to provide white-glove service for your business lending needs.

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Lightning-fast Bolt loans up to $150,000.

Our fastest and most popular lending option. Our lightning fast 7(a) small business loans are ideal for small business owners who need quick access up to $150,000 in working capital.

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See what our customers have to say.

Lisa & David Douglas

Crosstown Couriers

“I wouldn't consider going any other route than first calling up on BayFirst. For the level of service, I can't really think of one complaint that I have!”

Chef Michael Baugh

Let Them Eat Cake

“We are here to help our customers with their banking needs on every level! ”

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Good friends share good advice. Refer your friends and earn rewards when they open a new account or get a new loan from BayFirst.

Refer personal or business accounts.

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BayFirst Financial Community Bank

Here For What's Next®