Bay Commercial Bank - Personal Deposit Accounts

Checking Accounts
Interest Bearing Checking Accounts
Savings Accounts
Money Market Accounts (We offer tiered rates)
Certificates of Deposit
CDARS – Certificates of Deposit Account Registry Services
- Great for Individuals, Non-Profits, Public Funds, Advisors, Businesses, Credit Unions, Socially Motivated Investors.
- Full Insurance. Using the CDARS service, you can access up to $30 million in FDIC protection on CD investments.
- One Bank. You work with us – the bank you know and trust – to secure your large deposits.
- One Rate. You earn one interest rate on your CD investments through CDARS. With CDARS, there is no need to negotiate multiple rates or manually tally disbursements for each CD.
- One Statement. You receive one regular statement detailing your CD investments. You no longer need to consolidate statements at the end of each month, quarter, or year.
- No Fees. There are no hidden fees of any kind. We do not charge annual fees, subscriptions fees, or transaction fees for using the CDARS service; the rate you see is the rate you get.
- No Collateralization. Because CDARS deposits are eligible for full FDIC protection, you may not need to collateralize your deposits, thus eliminating the time-consuming task of tracking collateral values.
- A Wide Variety of Maturities. You can select from various maturities – ranging from 4 weeks to 3 years (156 weeks) – and choose the terms that best suit your investment needs.
- Community Investment. Your funds can support lending initiatives, including special development projects that strengthen the local community.