Simply Free.

Banking should be easy, which is why we offer Simply Free Checking. Open our free checking account in minutes and enjoy hassle-free checking with no monthly fees, plus all the benefits and features you need.

Open Now

A basic checking account that's anything but basic.

No Fees

Simply free means no monthly account fees and no minimum balance requirements.

55,000 Free ATMs

Access your cash easily with our nationwide network of ATMs.

$100 to Open

Open your account with a low minimum deposit of only $100.

Open now

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, and that includes your next free checking account. We've served the Tampa Bay area for more 20 years, providing one of the best free checking accounts available, with no hidden fees. We promise an easy account opening process, safe and secure banking, and an expert team located right in your own backyard.

Get all the perks without the fees.

Account Features

  • Only $100 to open
  • Instant-issue contactless debit card
  • Unlimited account transactions
  • Access to 55,000 free ATMs
  • Non-interest bearing

Online & Mobile Banking

  • BayFirst Mobile Banking App
  • 24/7 Online and Mobile Banking access
  • Online bill pay
  • Mobile deposit and free eStatements
  • Bank-to-bank transfers
  • Get paid up to two days early with Forward Pay

Other Benefits

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

What's Next? Open online or in person.

  • Gather Your Information

    We'll just need your government-issued ID, proof of address, and a little more info to get started.

    Get Started

  • Make a Deposit

    Fund your account with an initial minimum deposit of just $100.

  • Bank Freely

    Manage your money day-to-day with no fees.

Ready to open your account?

It's as simple as it sounds. Bank smarter with BayFirst and forget about the fees with our Simply Free Checking account.

Open Now

Still have questions?

Simply Free Checking FAQs

A free checking account typically means there are no monthly maintenance fees or minimum balance requirements.

Services include online banking, mobile banking, bill pay, debit cards, and access to more than 55,000 ATMs within BayFirst's network.

Yes, BayFirst offers the flexibility to upgrade your account as your financial needs change. You can inquire with us about available options.

Free checking accounts allow you to use your money as you need it without worrying about maintenance fees and other expenses. It is a great first account.

BayFirst offers a free checking account called Simply Free Checking, and just like it sounds, it’s simple and free to use. Open your account today.

BayFirst is one of the great banks where you can open a free checking account. You can open your account online or in person at a banking center.

Yes, our savings accounts are FDIC insured up to the maximum allowable limit of $250,000. Open a checking account online today and enjoy the benefits of banking with BayFirst, while having peace of mind knowing that your money is secure.