Whatever financial stage you’re in, Bay Cities has the account choice to keep you in control!

With four checking solutions you’ll find one that’s just right for your individual checking needs; including a Visa Check Card, and e-Benefits like Check Clearing Notification, Automatic Deposits and Withdrawals Notification, Insufficient Funds and Account Balance Notifications. Of course you’ll have access to your account 24/7, online or by phone with BayLine at 510-538-DIAL.

So if you’re looking for a new checking or want to change your existing plan, it’s easy to find the account that fits your well being.

Which account is right for you?

	ExpressChecking	Star Checking	1st Checking	Dividend Checking
Ideal for Members...	who want more financial control	who want more flexibility	students just getting started, ages 16-24	who maintain higher balances and want to earn interest
Interest...	No	No	No	Yes, Dividends are paid monthly based on the Daily Average Balance of $1,000
Monthly Service Charge...	$0 Monthly Service Charge with e-Statements & Direct Deposit $5 Monthly Service Charge with either e-Statments or Direct Deposit $10 Monthly Service Charge without e-Statements or Direct Deposit	$5 Monthly Service Charge with either e-Statments or Direct Deposit $10 Monthly Service Charge without e-Statements or Direct Deposit	$0 Monthly Service Charge with e-Statements $5 Monthly Service Charge without e-Statements	$0 Monthly Service Charge with an Average Daily Balance of $1,000 $5 Monthly Service Charge without an Average Daily Balance of $1,000
Per Check Fee...	None	None	None	None
Automatic Overdraft LOC	Automatic Overdraft Line of Credit up to $500 -- no per transaction charge	Automatic Overdraft Line of Credit up to $500 -- no per transaction charge	Automatic Overdraft Line of Credit up to $500* -- no per transaction charge	Automatic Overdraft Line of Credit up to $500 -- no per transaction charge
Overdraft Protection From Other Credit Union Accounts	$0 per Transfer from Overdraft Line of Credit Account or Visa $0 per Transfer from other Share Accounts	$0 per Transfer from Overdraft Line of Credit Account or Visa $0 per Transfer from other Share Accounts	$0 per Transfer from Overdraft Line of Credit Account or Visa $0 per Transfer from other Share Accounts	$0 per Transfer from Overdraft Line of Credit Account or Visa $0 per Transfer from other Share Accounts
Free Account Services and Benefits	FREE Online Banking Bill Pay e-Statements e-Alerts by email or text Visa® Check Card with Point of Sale Access Box of Checks Annually Cashier's Checks Payable to a Second Party Traveler's Checks Co-Op ATM Access at over 16,000 ATMs nationwide 6,400 Shared Branch Locations to access your account	FREE Online Banking Bill Pay e-Statements e-Alerts by email or text Visa® Check Card with Point of Sale Access First Box of Checks Co-Op ATM Access at over 16,000 ATMs nationwide 6,400 Shared Branch Locations to access your account	FREE Online Banking Bill Pay e-Statements e-Alerts by email or text Visa® Check Card with Point of Sale Access* First Box of Checks Co-Op ATM Access at over 16,000 ATMs nationwide 6,400 Shared Branch Locations to access your account *An ATM card will be issued to members under 18. An adult joint owner is also required under 18.	FREE Online Banking Bill Pay e-Statements e-Alerts by email or text Visa® Check Card with Point of Sale Access Box of Checks Annually Cashier's Checks Payable to a Second Party Traveler's Checks Co-Op ATM Access at over 16,000 ATMs nationwide 6,400 Shared Branch Locations to access your account

And every checking account allows you the added convenience of

Home Banking, Online Bill Pay, and e-Alerts 24/7- FREE

Not sure how many times you used an ATM this month? Need a copy of a cleared check? Want to view your recent Visa Check Card transactions or pay your bills? You get it all with Home Banking and Bill Pay.

Plus e-Alerts allow automatically monitors your account for fraud 24/7 and sends you mobile texts or emails to keep you up to date with:

Monthly Statements -- ready to view
Insufficient Funds Notification
Deposit Account Balance -- notifies you when your balance goes above or below your set notification limit
Loan Payment Due Reminder -- keeps your payments on time
Checks Cleared -- by check number and amount on the day it clears
Direct Deposit Received
Automatic Withdrawals -- you'll know instantly if someone withdraws from your account
Loan Account Balance Notification -- when loan balance goes above or below your set notification limit (great to detect fraudulent transactions)
Certificate Maturing
Bill Payments -- lets you know exactly when your online bill payments have been sent

Best of all, Home Banking is free! All you need is your account number, date of birth and Social Security number to enroll. If you have any questions, our Phone Service Specialists are standing by during business hours at
510-690-6100.

We Do Business in Accordance With Federal Fair Lending Laws

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 9.1.2010

This page may contain links that take you off the Bay Cities website. Bay Cities is not responsible for content or availability of linked sites. We do not provide, and are not responsible for, the product, service, or overall website content available at any linked third-party sites. Bay Cities does not represent either the third party site or the viewer if the two enter into a transaction. The Credit Union's privacy polices do not apply to linked websites and you should consult the privacy disclosures on that site for further information.