Personal Banking Made Easy

Your Next Checking Account

Ready to find your next personal checking account? From simple and free to interest earning and teen accounts, weʼve got the types of checking accounts you need with the friendly banking and convenient features you want. Compare checking accounts and get started.

Simply Free Checking

Get all the services you need in one checking account with no minimum requirement, unlimited check writing and no monthly service charge.

BayLive Checking

Make your money work for you with tiered interest rates plus all the convenience of online and mobile banking to manage your money.

Interest Advantage Checking

Earn interest on your checking account with great benefits.

Essential Checking

Great for those that want help managing their money, or a smart start for students. Essential checking will help keep you from spending more than you have – with no overdraft fees.

Teen Checking

Every teenager wants more freedom. Give your teen the freedom to build positive money habits while you keep an eye on their spending using parental controls.
Compare

Online Banking

Manage your money from the palm of your hand. Securely transfer funds, check balances, pay bills and take care of your finances anywhere. Download the app from the Apple Store or Google Play.

Download on the App StoreGet it on Google Play

Which One Is Right For You?

 
Simply Free Essential BayLive Interest Advantage Teen Checking
Read more about Simply Free Read more about NuStart Checking Read more about BayLive Read more about Interest Advantage Read more about Teen Checking
Monthly service fee
$0 $1.95 $10 or $0 Ways to waive fees $10 or $0 Ways to waive fees $0
Earns interest
Access to 55,000 free ATMs
$25 refunded in out-of-network ATM Transactions*
Access to Online Banking
Send Money with Zelle®
Online Bank to Bank Transfers
Forward Pay (Get paid up to 2 days early)
BayFirst Mobile Banking App
Online Bill Pay
Age requirement
13-18
Free coin counting
Simply Free Essential BayLive Interest Advantage Teen Checking

Why BayFirst?

With 55,000 free ATMs, customizable checks, free debit cards and online and mobile banking, Tampaʼs BayFirst personal checking accounts make it easy to manage your money anywhere you go.

Debit Cards

All BayFirst checking accounts come with a free, contactless debit card. For in-banking center account openings, instant issue debit cards are available.

Free ATMs

BayFirst offers access to 55,000 surcharge free ATMs through Publix Presto! and Allpoint ATM Network, so customers can access their money without spending any of it first.

Find a Location Near Me

Ordered Checks

Easily refresh your supply of checks for through BayFirst with customized options available.

*Account holders will be reimbursed up to $25.00 per month for fees incurred using out-of-network ATMs. This includes up to $10 per month in foreign ATM fees imposed by BayFirst and up to $15 per month in additional surcharges imposed by the ATM’s bank or owner. Reimbursements will be made automatically at the end of each monthly statement cycle.