Rewarding Your Active Lifestyle
If you use your debit card regularly and prefer banking digitally, your checking account should give something back. Active Checking is designed to reward everyday activity with interest and added value—without adding unnecessary complexity.
Active Checking from BayCoast Bank is an interest‑earning checking account that works well for people who stay active with their account. Meet a few simple requirements, and you can earn a higher interest rate and receive ATM fee benefits while still enjoying modern tools and local support.
Active Checking is available for personal banking in Massachusetts and Rhode Island.
Why Active Checking Makes Sense
Active Checking is built for everyday banking with added value.
- Earn interest on the money you keep in your account
- Benefit from a tiered interest structure that rewards everyday activity and higher balances
- Avoid the monthly maintenance fee by meeting balance or activity requirements
- Get up to $25 in ATM surcharge refunds per cycle when eligible
- Use non‑BayCoast ATMs without ATM service charges during qualified cycles
- Write unlimited checks
It’s a good fit if you want interest and rewards tied to how you already bank.
How to Earn the Higher Rate & ATM Fee Benefits
Active Checking rewards everyday use. During each cycle, you simply need to:
- Use your debit card 12 times for purchases
- Complete at least one direct deposit, or make at least one electronic or online bill payment
- Receive your statements electronically with eStatements
Once these steps are met, your account earns the higher interest rate and qualifies for ATM fee benefits for that cycle. Most people earn the rewards just by using their account the way they normally do.
Qualifications Calendar
To help you stay on track, BayCoast provides a Qualifications Calendar so you always know where you stand.
How the Interest Rate Works
Active Checking uses a tiered interest rate structure when activity requirements are met.
- Balances up to $25,000 earn the higher interest rate
- Amounts above $25,000 earn a lower rate on the portion above $25,000
If requirements aren’t met during a cycle, the full balance earns a base interest rate instead.
Interest is calculated daily and paid monthly. Rates and annual percentage yields may change over time.
Costs & Fees, Clearly Explained
Here’s what to know up front:
- Minimum to open the account: $500
- Monthly maintenance fee: $10
- Waived when you keep an average daily balance of $1,500, or
- When all qualification requirements are met during the cycle
- ATM Fees: When qualification requirements are met, there are no ATM service charges for transactions at non‑BayCoast ATMs, and ATM surcharges are refunded up to $25 per cycle. If requirements aren’t met, standard ATM fees apply and surcharges are not refunded.
A Few More Helpful Details
Available with all BayCoast checking accounts.
Debit Card & Digital Banking
- Get a free BayCoast Bank ATM/Debit Mastercard® for everyday purchases and account access
- Earn debit card purchase rewards and pay easily with Apple Pay or Google Pay
- Manage your money anytime with online and mobile banking, including mobile check deposit, bill pay, debit card controls, and person‑to‑person payments
- Track your financial progress with credit score monitoring, budgeting tools, and savings goal tracking
Access When You Need It
- Get convenient access to your money through BayCoast’s large ATM/ITM network, including ITMs with live bankers beyond regular banking hours
- Visit a network of BayCoast branches across Southeastern Massachusetts and Rhode Island for in-person support
Local Services & Extras
- Access to free coin machines at any branch
- Get documents notarized or medallion signature guarantees by appointment
- Exchange foreign currency locally before you travel
- Store important items securely with safe deposit boxes at select branches
Security & Peace of Mind
- Know your money is protected, with all deposits insured by the FDIC and DIF
Let’s Get Started
If you’re looking for a checking account that rewards everyday activity with interest and added perks, Active Checking could be the right fit.
Ready to open an Active Checking account with BayCoast Bank?