3.01% APY* BayLive Checking account

Get the most out of your money. Cash in on 3.01% APY with a BayLive Checking account.

Open Online

It's Better with BayLive Checking

3.01% APY*

Earn up to 3.01% APY on balances up to $25,000.

$100 to Open

Open with a minimum deposit of only $100.

Open in Minutes

Open your account online today in under 10 minutes. 

Expect Better Banking.

Get more than just a checking account.  Take advantage of all that comes with your BayLive Checking account.

Account Features

  • Earn up to 3.01% APY*
  • $100 minimum to open
  • Instant-issue contactless debit card
  • Access to 55,000 free ATMs

Online & Mobile Banking

  • BayFirst Mobile Banking App
  • Online banking and bill pay
  • Mobile deposit and free eStatements
  • Bank-to-bank transfers
  • Get paid up to two days early with Forward Pay
  • Free credit score monitoring

Other Benefits

  • Up to $250,000 insured by the FDIC
  • Customer support through the BayFirst Call Center
  • Notary services
  • Free coin counting

Why BayFirst?

At BayFirst, we’re Here for What’s Next®. For more than 20 years, we’ve helped customers maximize their money to reach their long-term goals by offering some of best high interest deposit accounts available. We promise an easy application process, safe and secure banking, and an expert team that is here to help every step of the way.

What's Next? Open Your Account in Minutes.

  • Open Online

    Provide your information to open your BayLive Checking account in under 10 minutes.

  • Deposit Your Money

    Fund your account with an initial deposit digitally, for free.

  • Earn on Your Balance

    Bank confidently while earning up to 3.01% APY*