A Bank As Loyal As Our Visitors
With us, you can expect more than just banking services that meet your needs. We provide banking solutions, and that includes welcoming in two- and four-legged guests and helping every customer make the best financial decisions for their future and for their entire family.
Checking, Savings & Money Market Accounts
Cash Kids Club
Open an account that grows with them and create a financial future your kids can bank on. Teach them financial responsibility while making their money work for them.
Benefits:
- Get up to $150 and 5.04% APY5
- Receive a swag bag with t-shirt
- Mini soccer ball and more
- Learn smart money skills in the free app
- No monthly maintenance fee
Learn More about Cash Kids Club
Join a community of fun and active adults ages 50 or better. Stay ahead of financial trends and enjoy exclusive rates, club events, fewer fees and more:
- $4006 when you open a checking account
- Special events, day trips and tours
- 55,000 free ATMs nationwide
- Exclusive interest rates on money markets, savings and CDs
Personal Loans
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Certificate Secured Loans
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Money Market Secured Loans
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Wherever you are in life, we’ve got a loan to fit your needs. Our lenders can find you the best option:
Apply Today
Personal Home Equity Loans
Get the most out of your home’s value with these great options:
HELOC
- Borrow as you need it
- Low variable rates
- Only pay interest on what you borrow
- No closing cost fees up to $2,5007
Home Equity Loans
- Borrow one lump sum
- Predictable payments with a fixed rate
- Longer repayment terms
- No closing cost fees up to $2,5007
Home Improvement Loans
- Borrow up to 133% of your home’s value
- Spread payments out over 20 years
- No private mortgage insurance required
- No closing cost fees up to $2,5007
Auto & Boat Loans
On land or sea, we can set you on the right course.
- Competitive rates
- Up to 100% financing
- Quick approvals
- Easy online application
Easy Application - Get Started
1 BayLive Checking Account: Account must remain active to receive 3.01% APY (Annual Percentage Yield) on balances of $0.01 to $25,000 and a range from 3.01% to 0.50% APY on balances greater than $25,000.01. 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, and BillPay per monthly statement cycle. APY will adjust to 0.05% APY on all balances for non-active accounts. Rates are calculated on a daily balance method. Minimum $100 to open. Minimum balance to avoid $10 monthly fee is $1,500. Fees may reduce earnings. This offer cannot be combined with any bonus offer. Rate is effective as of 08/28/2023. Offer expires 09/30/23.
2 BayLive Money Market: Must have an active BayFirst checking account to receive 4.51% APY (Annual Percentage Yield) on balances of greater than $50,000, or 2.51% APY on balances of $49,999 to $25,000 or 1.51% APY on balance of $24,999 to $10,000 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 06/02/2023. 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. Minimum balance to avoid $20 fee is $1,000. Offer expires 09/30/23.
3 To qualify for the $100 bonus, you must be a new BayFirst savings customer and qualified to open a savings account in accordance with our normal standards. Account must remain open in order to receive the bonus. At the end of each monthly statement cycle, a deposit match of $50 will be deposited for up to 2 monthly statement cycles, totaling up to $100. Each monthly deposit, auto transfer, or direct deposit must equal $50 or more to qualify for the monthly bonus match. This offer cannot be combined with any other offers or coupons, may change or be withdrawn at any time. This offer applies to statement savings accounts only. There is a $50 minimum to open, and no minimum balance required. The $100 bonus will be reported to the IRS in accordance with applicable law. Fees may reduce earnings. Offer expires 09/30/23.
4 To qualify for the $400 bonus, you must be a new BayFirst checking customer and qualified to open a checking account in accordance with our normal standards. You must establish direct deposit to your new account. Your account must remain open in order to receive the $400 bonus. At the end of each monthly statement cycle a deposit match of $100 will be deposited for up to 4 monthly statement cycles, totaling up to $400. Each monthly direct deposit must equal $100 or more to qualify for the monthly bonus match. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. This offer applies to simply free checking accounts only. There is a $100 minimum to open and no minimum balance required. The $400 bonus will be reported to the IRS in accordance with applicable law. This is not an interest-bearing account. Offer not available for BayLive Checking Accounts. Offer expires 9/30/23.
5 Cash Kids Club: To qualify for the $150 bonus, you must be a new BayFirst savings customer and qualified to open a savings account in accordance with our normal standards. Account must remain open to receive the $150 bonus. At the end of each monthly statement cycle a deposit match of up to $50 will be deposited for up to 3 monthly statement cycles, totaling up to $150. Each monthly deposit, auto transfer, or direct deposit must equal $50 or more to qualify for the monthly bonus match. This offer cannot be combined with any other offers or coupons, may change or be withdrawn at any time. This offer applies to Cash Kids’ Savings accounts only. There is a $10 minimum to open, and no minimum balance required. Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an APY of 5.04%. An interest rate of 2.97% will be applied on daily balances between $501.00 and $3,000, the APY for this tier will range from 5.04% to 3.35% depending on the balance in the account. An interest rate of 1.00% will be applied on daily balances above $3,000, the APY for this tier will range from 3.35% to 2.41%, depending on the balance in the account. APY calculations are based on a total deposit balance of $5,000. Interest rate is effective as of 06/02/23. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees may reduce earnings. The $150 bonus will be reported to the IRS in accordance with applicable law. Offer expires 09/30/23.
6 TrendSetters: To qualify for the $400 bonus, you must be a new BayFirst checking customer and qualified to open a checking account in accordance with our normal standards. You must establish direct deposit or auto transfer to your new account. Your account must remain open in order to receive the $400 bonus. BayFirst will match up to $400 for direct deposits or auto transfers within the first 90 days of account opening. The deposit match will be deposited on the 91-100 day after account opening. This offer cannot be combined with any other offers or coupons, may change at any time, and may be withdrawn at any time. This offer applies to TrendSetters Club Checking Accounts only. TrendSetters Club Checking is a tiered, interest-bearing account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $.01 - $1,499.00, the interest rate paid on the entire balance will be .15% with an annual percentage yield of .15%. An interest rate of 0.25% with an annual percentage yield of .25% will be paid only for that portion of your daily balance that is greater than $1,500.00. There is a $100 minimum to open and no minimum balance required. The $400 bonus will be reported to the IRS in accordance with applicable law. Offer expires 09/30/23.
7 All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. BayFirst National Bank is not affiliated with the Federal Housing Administration, U.S. Department of Veterans Affairs, or any other government agency *No closing costs up to $2,500. Borrower will be responsible for anything over $2,500 at closing.
August 2023 © BayFirst National Bank 2023 All offers available to claim once per person.
Our Convenient Locations
401 N. Indian Rocks Rd. Belleair Bluffs, FL 33770
813.344.5805
Open today until 5:00PM
16002 N. Dale Mabry Highway Tampa, FL 33618
833.698.2265
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2520 Countryside Boulevard Clearwater, FL 33763
(727) 685-2090
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1782 Dr. Martin Luther King Jr. Way Sarasota, Fl 34234
941.263.1127
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5250 Park Boulevard Pinellas Park, FL 33781
(727) 399-5617
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5600 Bee Ridge Road Sarasota, Fl 34233
941.777.8043
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2033 Main Street, Suite 101, Sarasota, FL 34237
(941) 251-1440
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9190 Seminole Boulevard Seminole, FL 33772
(727) 685-2083
Open today until 5:00PM
700 Central Avenue St. Petersburg, FL 33701
(727) 440-6848
Open today until 5:30PM
2102 59th Street W. Bradenton, FL 34209
833.698.2265
Open today until 5:00PM
3015 W Columbus Drive Tampa, FL 33607
813.400.1561
Open today until 5:00PM