Live Larger with BayLive

Higher balances lead to higher interest rates when you pair a BayLive Money Market account with a BayLive Checking account. Earn with access to your cash.

Open Online

2.59% APY1

Earn 4X the national average money market rate on balances of $50,000 or greater.2

Interest Meets Access

Maximize your earnings and access your funds anytime using an ATM, debit card, or check.

Insured up to $250,000

Bank with peace of mind knowing your funds are protected.

More deposits means more interest.

Earn 2.59% APY1

On balances of $50,000 or more.

Earn 1.20% APY1

On balances between $25,000-$49,999.

Earn 0.35% APY1

On balances between $10,000-$24,999.
Open Online

Expect better banking.

Get more than just a secure savings account. Take advantage of all that comes with your BayLive Money Market account.

Account Features

  • Only $100 minimum to open
  • Six pre-authorized or automatic withdrawals or transfers per month
  • Unlimited transfers and withdrawals made in person, by mail, or at an ATM

Online & Mobile Banking

  • BayFirst Mobile Banking App
  • Online banking and bill pay
  • Mobile deposit and free eStatements
  • Free bank-to-bank transfers
  • Get paid up to two days early with Forward Pay
  • Free credit score monitoring

Other Benefits

  • Pair with a BayLive Checking account for full benefits, including a debit card
  • Access to 55,000 free ATMs
  • Up to $250,000 insured by the FDIC
  • Customer support through the BayFirst Call Center

Why BayFirst?

At BayFirst, we’re Here for What’s Next®, and that means helping you save for the future with high interest rates but without the high risk. With a BayLive Money Market account, you’ll get one of the best money market account interest rates, and peace of mind knowing your savings are safe and secure at one of Tampa Bay’s best banks. Enjoy flexibility and rewards that grow with your balance.

What’s Next? Open your account in minutes.

Open Now

Provide your information online or in person to open an account in under 10 minutes.

Let’s Get Started

Make a Deposit

Fund your account with an initial deposit of only $100.

Boost Your Balance

Earn a great rate and enjoy easy access to your cash.

Give your money a lift with BayLive. Open a top high-yield savings account in person or online and lock in the interest-earning power that comes with it. Then enjoy access to your funds while you watch them grow.

Open Now

BayLive Money Market FAQ

What is a Money Market account?

A Money Market account (MMA) combines the benefits of both savings and checking accounts, offering higher interest rates and flexible access to funds through checks, debit cards, and ATMs.

What is the difference between a money market and a standard savings account?

While both accounts earn interest, a Money Market account typically allows for a greater number of transactions per month, including checks and debit card use, and offers higher interest rates in exchange for higher balances. A savings account usually has lower transaction limits and lower interest rates.

What are the interest rates for a BayLive Money Market account?

Interest rates for our Money Market account are tiered based on account balance, and we offer competitive rates that increase as your balance grows.

How many transactions can I make with my Money Market account each month?

You can make up to six free withdrawal or transfer transactions per month without incurring a fee. Fees may apply if you exceed the limit of six transactions per month.

How do I open a Money Market account with BayFirst?

You can open a Money Market account by visiting any of our branches, or you can open your account online from this page.

Can I withdraw money and write checks from my Money Market account?

Yes, Money Market accounts holders can make 6 (six) withdrawals and transfers and write checks from their account each month, allowing for access to your funds when needed.