Checking & Money Market Accounts BayVanguard Bank

Account Type	Free Checking	Interest Checking
Account Type Opening Deposit	Free Checking $100.00	Interest Checking $100.00
Account Type Monthly Service Fee	Free Checking $0	Interest Checking $8 or $0 Fee is $0 if the account maintains an average daily balance for the statement cycle of $500.
Account Type Interest Bearing	Free Checking No	Interest Checking Yes $100.00 minimum average daily balance required per statement cycle to earn interest.
Account Type Features	Free Checking Includes Online Banking, Mobile Banking and Bill Pay Includes Debit Card Includes check images with your monthly statement Overdraft Protection Available	Interest Checking Includes Online Banking, Mobile Banking and Bill Pay Includes Debit Card Includes check images with your monthly statement Overdraft Protection Available
Account Type ATM Transactions	Free Checking No fee for using a BayVanguard ATM No fee or a fee reimbursement for the first 5 non-BayVanguard ATM withdrawals, account transfers and/or balance inquires per statement cycle.	Interest Checking No fee for using a BayVanguard ATM No fee or fee reimbursement for the first 5 non-BayVanguard ATM withdrawals, account transfers and/or balance inquires per statement cycle.

Interest rates set by BayVanguard Bank are subject to change. Interest is calculated daily and credited monthly.

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