Earn 2.25% APY* with BayLive Checking.

Start earning more than 30X the national average- with no monthly fees and easy online access.1

 

Open online in under 10 minutes. Start earning today.

Open Online

It's better with BayLive Checking.

2.25% APY*

Earn up to 2.25% APY, and 30X the national average checking account rate, on balances below $25,000.1

$100 to Open

Open with a minimum deposit of only $100.
 

55,000 Free ATMs

Access your cash easily with our nationwide network of Publix Presto! and AllPoint ATMs.

Expect better banking.

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

Account Features

  • Earn up to 2.25% APY*
  • Only $100 minimum to open
  • Instant-issue contactless debit card
  • Access to 55,000 free ATMs

Online & Mobile Banking

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 account opening 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 2.25% APY*

Ready to open your account?

Check your new checking account off your to-do list. Open your BayLive Checking account online now and get one of our best checking interest rates, plus all the perks of banking with BayFirst.

Open Now

BayLive Checking FAQs

You can open your bank account completely online in minutes using a desktop, tablet, or mobile mobile device in or stop into any BayFirst banking center.
 

You can click to open your account in just a few minutes online to get one of our highest checking account interest rates. You’ll just have to provide your name, date of birth, address, email, phone number, social security and additional information to get started. You’ll also need to agree to the terms and conditions and fund the account with an initial deposit of at least $100.
 

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. While there is a monthly fee of $10, maintaining a minimum daily balance of $1,500 will waive the monthly fee requirement. 

Yes, this high-interest deposit account is FDIC insured up to the maximum allowable limit of $250,000. Open a checking account online today and enjoy the benefits of earning higher interest while having peace of mind knowing that your money is secure.
 

1. Based on comparison to the national average Annual Percentage Yield (APY) on checking accounts as published in the FDIC National Rates and Rate Caps, accurate as of March 17, 2025.

*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 12/23/2024.