Essential Checking

Banking essentials for one low monthly fee without the worry of overdraft fees and hassles. Open up your account and start putting those overdraft worries behind you. 

Online Banking & Bill Pay

Unlimited Bill Pay

Key Features:

  • Minimum to open: $10
  • Low monthly service fee
  • No minimum balance requirement
  • Free Contactless debit card
  • Free use of BayFirst, Publix Presto and Allpoint ATMs
  • Free Online Banking and Bill Pay
  • Free E-Statements
  • No Dormant Fees
  • No early closure (within 90 days) fee
  • $2 Paper Statement Fee
  • 4 free Cashier’s Checks per month
  • No overdraft fees
  • $2 Out-of-network ATM fee
  • 5 free out-of-network ATM transactions
  • No paper checks
  • Get paid up to two days earlier with Forward Pay

Get Back to Basic Banking

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!

Account Disclosure

Ready to Open Your Account?

Find your nearest BayFirst Banking Center to get started today.

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