One Click to Better Banking—BayLive Checking & Money Market

Boost your balance or streamline your spending—Discover the perfect fit with two BayLive accounts from BayFirst. Open a BayLive high-yield checking account or a BayLive money market savings to help you maximize savings rates and simplify your everyday banking. 

Open Now

Accounts designed to help you bank smarter.

Open both to maximize your earnings.

BayLive Checking
Earn Up to 2.25% APY1


Get more than just a checking account. Only $100 minimum to open and zero monthly fees.1

Open Now

BayLive Money Market
Earn up to 3.64% APY2


Higher balances lead to higher interest rates with a BayLive Money Market account, only $100 minimum to open.

Open Now

Better Banking with BayLive

You get these additional features with any BayFirst BayLive account:

Online & Mobile Banking

  • BayFirst mobile banking app
  • Online banking and bill pay
  • Mobile deposit and free eStatements
  • Bank-to-bank transfers

Other Benefits

  • Contactless debit card with access to 55,000 free ATMs
  • Up to $250,000 insured by the FDIC
  • Free credit score monitoring
  • Contact Center customer support

Open Now

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, and that means helping you plan for the future. With our BayLive products, you’ll get one of the best high yield money market or checking accounts and peace of mind knowing your savings are safe and secure at one of Tampa Bay’s best banks. Enjoy flexibility and rewards that grow with your balance.
 

Still have questions?

BayLive FAQs

BayLive is a checking account that offers a higher interest rate compared to traditional checking accounts. With a higher interest checking account, you can earn interest on your funds while still enjoying the convenience of writing checks, making electronic payments, and using a debit card for everyday transactions.

This online checking account is free to open, and only requires an initial deposit of $100. A monthly fee of $10 is required if a minimum daily balance of $1,500 is not met.

A Money Market account (MMA) combines the benefits of both savings and checking accounts, offering higher interest rates and flexible access to funds through checks, debit cards, and ATMs.

While both accounts earn interest, a Money Market account typically allows for a greater number of transactions per month, including checks and debit card use, and offers higher interest rates in exchange for higher balances. A savings account usually has lower transaction limits and lower interest rates.  

Yes, our Money Market account requires a minimum of $100 to open and account holders must maintain a balance of $50,000 or greater to receive 3.64% APY, a balance of between $25,000 to $49,999 to receive 1.5% APY, or a balance of $10,000 to $24,999 to receive 0.65% APY. Balances below $10,000 earn 0.05% APY.

You can make up to six free withdrawal or transfer transactions per month without incurring a fee. Fees may apply if you exceed the limit of six transactions per month.

1 BayLive Checking account: Account must remain active to receive 2.25% APY (Annual Percentage Yield) on balances under $25,000 and 0.50% APY on balances of $25,000 or greater. Active is defined as direct deposit of payroll, SSI, or other income and 10 electronic debit transactions, including ACH debits, debit card point-of-sale, checks, and BillPay per monthly statement cycle. Eligibility requirements will begin the first full statement cycle following account opening. Personal accounts only. APY will adjust to 0.05% APY on all balances for non-active accounts. Minimum $100 to open. Minimum daily balance to avoid $10 monthly fee is $1,500. Fees may reduce earnings.Rates are calculated on a daily balance method. Rates are variable and are subject to change at the bank's discretion. Rate is effective as of 2/20/2025.

2 BayLive Money Market: Must have an active BayLive checking account to receive 3.64% APY (Annual Percentage Yield) on balances of equal to or greater than $50,000, or 1.50% APY on balances equal to or greater than $25,000 but less than $50,000 or 0.65% APY on balances equal to or greater than $10,000 but less than $25,000 or 0.05% APY on balances below $10,000. If BayFirst checking account is non-active, APY will adjust to 0.05% APY for all balances. Minimum $100 to open. Rate is effective as of 2/20/2025. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees could reduce earnings. You may make six (6) withdrawals/transfers from your account each month, by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. A service charge of $20 will be imposed every statement cycle if the daily balance on any day of the month falls below $1,000.