Choose an account for your lifestyle.
We deliver the convenience, accessibility, and value you expect from banking local. Plus, now you can receive your direct deposit up to 3 days early.
High Yield Checking
Use promo code $GAINS
- Earn 30x the national average rate!
- 3% APY* on average daily balances up to $15,000**
- Nationwide ATM fee refunds up to $15 per month
Cash Back Checking
Use promo code MYCASH
- Receive 3% cash back on debit card purchases up to $8 per month**
- Nationwide ATM fee refunds up to $15 per month
Rewards Checking
- No monthly balance requirements or service charges with eStatements
- Earn ScoreCard® bonus points with your debit card; one bonus point for every $3 spent
- Combine with BayPort Platinum Mastercard® Rewards credit card points
Free Classic Checking
- Convenience without monthly fees!
- Earn dividends on balances over $1,000
*APY=Annual percentage yield. **Earn your rewards by electing to receive eStatements, spending 15 or more debit card purchases per month, and making one monthly ACH debit (payment) or credit (direct deposit).
Deposit checks
by photo
Schedule payments with Bill Pay
Send money fast
with Zelle®
Get paid up to
3 days early
Compare BayPort checking accounts:
Teen Rewards Checking
For members 13-17
- No monthly balance requirements
- No monthly service charges
- Debit card with parent/guardian
- 5 non-proprietary ATM network fees waiver per month
Please visit a branch or contact us to open.
Unlimited Prepaid Card
Take control of your finances. No perfect banking record required. Visit your local BayPort branch to order and purchase the card.
- Alternative for those unable to open a checking account.
- Use it just like a debit or credit card!
- Accepted anywhere Mastercard® is accepted.
Frequently asked questions
What is early ACH?
With early ACH, you may receive your direct deposit up to 3 days early. You may have seen your direct deposit pending in your account for up to 3 days in the past, not being available until your actual payroll date. Early ACH will now allow those funds to be available after midnight following the date it is sent as opposed to the payroll date.
Why didn’t my deposit post early?
The Originating company (Employer) controls the payroll file creation/send date and sets the deposit settlement date; while originating companies can send the direct deposit/ACH payroll file 2 – 3 business days early, not all of them do.
Why does my coworker receive their direct deposit/ACH early, but I do not?
This may be due to the deposit account number information being incorrect or incomplete resulting in a delay in posting. Once the data is corrected, the direct deposit/ACH item will post at the next ACH future posting cycle at midnight.
Should I change the date on my auto transfers or loan payments?
We recommend setting the date on your Auto Transfers or Loan Payments to reflect your actual payroll date and not the early direct deposit/ACH posting date. There is no guarantee your employer will send payroll deposits early.
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A branch for your pocket.
Between work, kids, yoga, and everything else you juggle, who has time to handle banking needs during banking hours? A few taps gives you 24/7 access so you can bank on your time, not ours.
Go platinum. Get rewarded.
Get 5% cash back with BayPort Mastercard® Platinum Cash Back, or double your ScoreCard® Rewards Points with BayPort Mastercard® Platinum Rewards. You can even combine your Rewards credit card points with your Rewards Checking points!
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