DEBIT: SIGN INSTEAD TO SAVE!
Every time you use your Bay Gulf VISA Debit Card, the purchase amount is deducted from your checking account. You can make these debit purchases either by entering your debit PIN or by signing the receipt as a credit transaction. Even though some retailers automatically ask for your PIN, you do have the choice to say 'credit'! Here's why you should:
Signature/Credit Transactions
- FREE transactions
- Earn rewards points
- Protection - Dispute charges on your account
- Simply choose or say 'credit' and sign your receipt
- The merchant's name is listed on your statement
PIN/Debit Transactions
- $.50 per transaction
- No rewards points earned
- Limits on what charges may be disputed
- Enter your PIN publicly
- The merchant's name may or may not appear
Start signing today and save!
A New Horizon for Florida Business Banking: Bay Gulf Credit Union
Bay Gulf Credit Union is on deck to handle many small business banking needs, knowing that Florida business banking is a critical component to the smooth every-day operations of any successful small business.
Every business needs a business checking account, but your business banking needs are not the same as the business's next door or across the Bay. Florida business banking needs vary widely, and Bay Gulf provides a variety of business checking account options -- as well as full-service small business banking programs from merchant services to SBA loans -- to support your growing enterprise.
Business Checking Accounts
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Business Interest Checking Accounts
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Free Business Checking Accounts
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Community Business Checking Accounts
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Business Analysis Checking Accounts
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| designed for businesses that... |
want to earn interest on checking
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make fewer than 150 transactions per month
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want unlimited transactions and no monthy maintenance fee
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can benefit from an earnings credit rate to offset fees
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| interest rate |
current rates
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| monthly maintenance fee |
$10 if balance falls below $10,000
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$15
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| earnings credit rate |
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50% of the 91-day T-Bill
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| deposit/cleared check count |
$0.20 per item after first 75 deposits and 125 items cleared per month
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$0.20 per item after first 50 deposits and 100 items cleared per month
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unlimited
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$0.20 per item after first 75 deposits and 125 items cleared per month
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All business checking accounts can be opened with just $100 and feature
It's your ATM, night depository, and debit card rolled into one and since it's VISA, it can be used at just about any port of call. PIN your transactions or, for greater security, FREE transactions*, and to earn rewards points, sign for them just like when you use a credit card. Every transaction is detailed on your monthly business checking account statement and can be tracked via Online Business Banking any time.
Earn one rewards point for every two dollars you spend (signature transactions only), and start redeeming your points for merchandise, airline tickets, hotel stays, rental car certificates, cruises, and vacation packages. You can even share or give rewards point to others.
*PIN transactions are $.50 per transaction beginning Dec. 14, 2009.
Contact us today at 813.932.1301 to find out how we can help fulfill your small business banking needs.