Simply Free.
Banking should be easy, which is why we offer Simply Free Checking. Open our free checking account in minutes and enjoy hassle-free checking with no monthly fees, plus all the benefits and features you need.
A basic checking account that’s anything but basic.
No Fees
Simply free means no monthly account fees and no minimum balance requirements.
55,000 Free ATMs
Access your cash easily with our nationwide network of ATMs.
$100 to Open
Open your account with a low minimum deposit of only $100.
Why BayFirst?
At BayFirst, we’re Here for What’s Next®, and that includes your next free checking account. We’ve served the Tampa Bay area for more 20 years, providing one of the best free checking accounts available, with no hidden fees. We promise an easy account opening process, safe and secure banking, and an expert team located right in your own backyard.
Get all the perks without the fees.
Account Features
- Only $100 to open
- Instant-issue contactless debit card
- Unlimited account transactions
- Access to 55,000 free ATMs
- Non-interest bearing
Online & Mobile Banking
- BayFirst Mobile Banking App
- 24/7 Online and Mobile Banking access
- Online bill pay
- Mobile deposit and free eStatements
- Bank-to-bank transfers
- Get paid up to two days early with Forward Pay
Other Benefits
- Free coin counting
- Free credit score monitoring
- Notary services
- Up to $250,000 insured by the FDIC
- Customer support through the BayFirst Call Center
What’s Next? Open online or in person.
Gather Your Information
We’ll just need your government-issued ID, proof of address, and a little more info to get started.
Make a Deposit
Fund your account with an initial minimum deposit of just $100.
Bank Freely
Manage your money day-to-day with no fees.
Ready to open your account?
It’s as simple as it sounds. Bank smarter with BayFirst and forget about the fees with our Simply Free Checking account.