Personal Checking

Direct Checking

A simple checking account that works seamlessly with direct deposit and keeps fees easy to manage.

Open An Account Other Checking Accounts
Direct Checking

Simple Checking That Works With Your Paycheck

Sometimes, the easiest checking account is the one that fits neatly into how you already manage your money. If you receive regular direct deposits and want a straightforward account with minimal fees, Direct Checking offers a simple, reliable option.

Direct Checking from BayCoast Bank is a non‑interest‑bearing checking account designed for everyday banking. With direct deposit or a qualifying balance, it’s easy to avoid monthly fees while still enjoying modern tools and local support.

Direct Checking is available for personal banking in Massachusetts and Rhode Island.

Direct Checking

Why Direct Checking Makes Sense

Direct Checking is built for simplicity and consistency.

  • No monthly maintenance fee with direct deposit or qualifying balance
  • Easy‑to‑manage checking account for everyday spending
  • Debit card purchase rewards, plus Apple Pay and Google Pay
  • Easy‑to‑use online and mobile banking
  • Local service from a BayCoast team you can trust

It’s straightforward checking that works the way your paycheck already does.

Direct Checking

How Direct Checking Works

Keeping Direct Checking fee‑free is simple. During each statement cycle, you just need to meet one of the following:

  • Receive at least one direct deposit, or
  • Maintain an average daily balance of $1,500

That’s it. No activity tracking and no extra steps to remember.

Direct Checking

What You’ll Have Access To

With Direct Checking, you’ll enjoy:

  • A convenient checking account for everyday use
  • Unlimited check writing
  • A BayCoast Bank ATM/Debit Mastercard®
  • Debit card purchase rewards
  • Online and mobile banking with:
    • Mobile check deposit
    • Bill pay
    • Debit card controls
    • Person-to-person payments to BayCoast accounts or anyone else
  • Access to BayCoast’s large ATM/ITM network, including ITMs with live bankers beyond extended banking hours

All deposits are insured by the FDIC and DIF, providing added peace of mind.

Fees & Balance Basics

Here’s what to know up front:

  • Minimum to open the account: $10
  • Monthly maintenance fee: $3
    • Waived with at least one direct deposit per statement cycle, or
    • When you keep an average daily balance of $1,500
  • ATM Fees:  There are no ATM service charges for transactions at BayCoast ATM/ITMs.  Standard ATM fees may apply at non‑BayCoast ATMs.
  • Interest:  This account does not earn interest.

For additional details, please refer to our Miscellaneous Fees and Charges.

Direct Checking

A Few More Helpful Details

  • Available for personal accounts only
  • No limits on transactions
  • Includes a BayCoast Bank ATM/Debit Mastercard®
  • First order of starter checks is free
  • Check pricing varies depending on style
Direct Checking

Let’s Get Started

If you’re looking for a simple checking account that works seamlessly with direct deposit and keeps fees easy to manage, Direct Checking could be the right fit.

Ready to open a Direct Checking account with BayCoast Bank?

Open An Account Find a Branch Talk to a Banker