Checking Accounts
Bay Area Credit Union offers an array of Checking Account options designed to meet your day-to-day checking account needs. Open any Bay Area Checking Account and easily handle ALL the details with our online Switch Your Checking Kit!
• Free Checking
• Checkless Checking
• Checking Plus
• High Yield Checking
• Business & Community Checking
• Reorder Checks Online
• Bay Area Routing Number
• Debit MasterCard®
Open a FREE Checking, CHECKLESS Checking, an INTEREST Checking or a HIGH YIELD Checking account and you will enjoy:
FREE FIRST ORDER OF CHECKS!**
CHECK BUY BACK UP TO $10**
FREE Checking*
Hassle-free checking at its best! Bay Area FREE Checking offers the most desirable features at the most desirable rate - FREE!
CHECKLESS Checking*
TRUE hassle-free checking - A checking account without checks! This account is ALL ELECTRONIC. You access your money with your Debit/ATM card and through eBanking and eBillPay. Once you experience Checkless Checking -- you'll never go back to writing checks.
- ALL ELECTRONIC access - No Paper Checks
- No minimum balance requirement
- No monthly service charge
- Unlimited use of Bay Area ATM
- Surcharge FREE use of Alliance One ATMs
- Surcharge FREE use of MoneyPass ATMS
- Free eBanking
- Free Debit MasterCard®
- Switch Your Checking to Bay Area Credit Union
CHECKING PLUS *
The checking account that PAYS YOU! Earn a quarterly dividend on your checking account average daily balance.
HIGH YIELD Checking*
Earn a high yield on your high balance checking account. This account pays monthly dividends.
- No monthly service charge with $2500 minimum balance. (Otherwise $12.50 monthly fee)
- No per check charges
- Unlimited check writing
- Unlimited use of Bay Area ATM
- Surcharge FREE use of Alliance One ATMs
- Surcharge FREE use of MoneyPass ATMS
- Free eBanking
- Free Debit MasterCard®
- FREE FIRST ORDER OF CHECKS!**
- CHECK BUY BACK UP TO $10**
- PLUS: Tiered dividend rates paid monthly
- PLUS: FREE GIFT when opening HIGH YIELD Checking
- Switch Your Checking to Bay Area Credit Union
Courtesy Pay
Fewer Worries about Insufficient Funds!
Courtesy Pay is a service that adds a measure of protection to your personal checking account. Courtesy Pay may cover your insufficient funds checks (up to an approved limit) for one low fee per covered overdraft transaction.
That means instead of returning a check to a merchant for insufficient funds, the credit union may pay your check saving you additional fees from the merchant. It also saves you embarassment and can help protect your credit rating.
Overdrafts on your checking account, up to a limit of $500 (including the amount of the overdrawn item(s) and the Non-Sufficient Funds fee(s) may be honored. A $28 fee will be assessed for each item that draws your account negative.You then have up to 30 days to bring the account current. Items covered include: checks written to another party, ACH/Preauthorized drafts, electronic debits, ATM withdrawals, and bill payment transaction.
All members in good standing are provided with this service automatically and at no cost. If you do not want this service, contact the credit union and ask for an "opt-out" form.
If you have questions, do not hesitate to call a Financial Services Representative at 419-698-2962.
View our Courtesy Pay Disclosure [PDF]
*Checking accounts require an initial deposit of $50. Member purchases checks. Inactivity fee: $10 per month after 2 consecutive months of no member activity (deposits or check writing). Fees could reduce earnings on accounts that earn dividends.
**Bonus items apply to newly opened Bay Area personal checking accounts. Member selects checks and Bay Area provides first single order FREE. Check Buy Back: $1.50 per book of unused checks from another financial institution up to $10. One buy back per checking account.
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