Personal Banking

Personal Checking

Find a checking account that fits your everyday needs, with convenient features, helpful tools, and the personal service you expect from BayCoast.

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Personal Checking

Checking Accounts Built for the Way You Live

Choosing a checking account shouldn’t feel complicated, and we’re here to help. Whether you want something simple with no fees, an account that earns interest, or special benefits based on your lifestyle, BayCoast Bank offers personal checking options designed to fit the way you bank.

As a community bank serving Massachusetts and Rhode Island, we’re here to help you find an account that makes everyday banking easier and more rewarding.

Our Personal Checking Options

No matter which personal checking account you choose, you’ll enjoy features designed to keep money management simple and convenient:

Free Checking

A straightforward option with no monthly service fees and no minimum balance requirement. Free Checking is ideal if you’re just getting started or want an easy account for everyday use.

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Direct Checking

A simple, affordable option for customers who receive direct deposits. The monthly service fee is waived when you receive a qualifying deposit or maintain a minimum balance.

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Preferred Checking

Built for customers who maintain higher balances and want extra benefits. Preferred Checking offers interest, preferred CD rates, and additional loan‑related perks.

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Active Checking

An interest‑earning checking account that rewards everyday debit card use. Active Checking lets you earn interest, enjoy ATM fee refunds, and avoid monthly fees when you meet simple activity requirements.

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Senior & Minor Checking

A free checking account designed for seniors age 65 and older, as well as minors 18 and under. This account earns interest when balance requirements are met and offers convenient, easy‑to‑use features.

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Honor Checking

Created to serve active and retired members of the armed services. Honor Checking offers interest‑earning benefits and waived monthly fees with qualifying direct deposit.

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RightStart Account

An account designed to help kids and teens learn smart money habits. Parents enjoy peace of mind with built‑in controls, while young customers earn rewards for financial learning.

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BayCoast Wave™ Checking

Designed for customers who may not qualify for traditional checking accounts. BayCoast Wave™ is a non‑interest‑bearing account that’s free with direct deposit and requires just a small opening deposit.

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Money Market Account

A Money Market Account offers a higher interest rate than a typical interest-bearing checking account, helping your savings grow faster while remaining accessible. It’s a great option for maintaining larger balances, with the ability to earn interest and make limited monthly transactions

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personal checking

Not Sure Which Checking Account Is Right for You?

We offer several checking options to match different needs and stages of life. Here’s a quick way to narrow it down:

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personal checking

What All BayCoast Checking Accounts Include

No matter which personal checking account you choose, you’ll enjoy features designed to keep money management simple and convenient:

  • A free BayCoast Bank ATM/Debit Mastercard®
  • Online and mobile banking with bill pay and mobile deposit
  • Secure access to account controls, alerts, and budgeting tools
  • Digital statements and payment options for everyday banking
  • Friendly, local support whenever you need help

 

Personal Checking

Ready to Get Started?

Whether you’re opening your first account or switching banks, we’re here to help you every step of the way. BayCoast Bank offers a full range of personal banking services, including savings, loans, investing, and insurance, all backed by local decision making and personalized support.

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