Personal Checking / Debit Accounts

The Callaway Bank cares about setting you up with the checking / debit account that is right for you. Whether you are managing your entire family’s finances or helping your child learn to budget with a student account, we’re positive The Callaway Bank has an option that will serve your needs.

Common Checking Features:

All our checking accounts include features that will make you feel secure, like free Fraud Analytics Protection, as well as online and mobile banking that lets you manage your finances efficiently while on the go. The Callaway Bank eAlerts will keep you on top of your transactions. eStatements, with check images, reduce the risk of fraud and identity theft while conserving paper.

Open Your Account and Walk Out with Your Debit Card Ready to Go!

Best Value Option:

Ultimate Checking® Accounts at The Callaway Bank offer even more services, like letting you skip the surcharge when using non-Callaway Bank ATMs. This account also allows you one waived overdraft fee each year, because we understand you’re human.

Ultimate Checking package gives you great features like:

  • Refunded Non-Callaway Bank ATMs1
  • Free Bank Logo Checks
  • Callaway Bank Rewards
  • One Waived Overdraft Fee Annually

Stop by a branch today to open a new account.

No Fee Options:

We still offer a Basic Checking account that has no monthly fee and a new Cash Back Debit Card Account where you could earn up to $8 back each month.

Personal Checking Accounts

Monthly Service Charge$5.95
Minimum Balance to Open$100.00$100.00
Minimum Daily Average Balance Required¹
Refunded ATM Fees²Yes!
Callaway Bank Rewards + 2,500 Bonus Points for Opening Your AccountYes!
One Waived Overdraft Fee Annually³Yes!
Bank Logo Checks Included with Account⁴
No Fees on Checks Written or Items Deposited✔
Debit Mastercard®
Fraud Analytics Protection
Online Banking & Bill Pay
Mobile Banking App with Mobile Check Deposit⁵
Apple Payᵀᴹ, Google Pay®, Samsung Payᵀᴹ ⁶
24hr Telebanking
Auto Transfer to Prevent Overdraft Fees⁷
eStatement with Check Images
Other FeesCommon Fees
Courtesy Pay Overdraft Protection⁸$800.00 Limit$1,200.00 Limit
Paper Statement$3.95 Per CycleNo Charge
FavCard (Custom Debit Card)$5.95$5.95
FavCard (Choose From Our Library)$1.95$1.95

¹If your account reaches a zero balance, it will automatically be closed. ²To get ATM fees refunded notify The Callaway Bank within 60 days of the statement date when the fee(s) were posted. Applies only to ATMs within the United States. ³Contact The Callaway Bank to waive (one) $32.50 overdraft fee per rolling 12 month period. ⁴Bank logo checks are included one box at a time for this account. ⁵Mobile Check Deposit available after a 30 day waiting period and approval. ⁶Apple, the Apple logo, iTunes, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Google Pay is a trademark of Google Inc. Android, Android Pay, and the Android Logo are trademarks of Google Inc. ⁷Set up a Callaway Bank account to prevent overdraft fees. ⁸Courtesy Pay Overdraft Protection charges $32.50 per item overdrawn. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. ATM and everyday debit card transactions will be covered only if prior authorization is on file with the bank. Negative balances must be made current within 30 days, but will be subject to a $3.00 per day fee beginning on day three the account is negative. Overdrafts are paid at the sole discretion of the bank. Overdrafts may not be paid if your account is not in good standing.



Dog Favcard photo Baby Favcard photo Graduation favcard photo

Customize your consumer check card and make it your FAVorite Card! The Callaway Bank offers you the option to put that special picture on the card that you use most – your debit card. Plus, your card is ready when you leave the branch!

It’s easy to receive your new FavCard®. Stop by any of our locations and take home your FavCard today!

Learn more about The Callaway Bank FavCard.

Serving Mid-Missouri With Eight Convenient Locations

Putting customers first since 1857. We’re your community bank.

General FAQs


The bank’s routing number is: 081501696.

The routing number, or ABA routing number, is a unique 9-digit number used in the United States to identify a bank.  It allows banks to transfer funds via wires, ACH (Automated Clearing House), and other methods to each another.  This number along with your account number is needed when setting up direct deposit.  It is always the first set of numbers on the bottom left side of a check.

Can I text The Callaway Bank?

TCB by Text Is Here!

Have a banking question you can’t find the answer to? This new feature lets you contact our Customer Care Team with any questions via text through our regular numbers listed below.

573.657.0849 (Ashland) | 573.447.1771 (Columbia) | 573.642.3322 (Fulton) | 573.676.5711 (Mokane) | 800.446.2265 (Toll-Free)
[email protected]

How do I purchase a Savings Bond?

The Bureau of the Public Debt announced that as of January 1, 2012, paper savings bonds will no longer be sold at financial institutions.  For more information visit

How do I transfer funds between accounts?

You can transfer funds through your online banking, call 800.446.2265, or visit any bank location.

How do I re-order checks?

You can order online at, call 800.355.8123, you can drop off your check reorder slip (located on the top of your book of checks) at any bank lobby location, or you can contact Customer Care Team at 800.446.2265.

How do I order checks for the first time?

New customers can stop by any bank lobby location or call Customer Care Team at 800.446.2265 to make their first check order.

How do I manage my points?

Reward members will receive an annual print statement with point totals and can redeem for prizes via the customer service center at 573.592.6399, 573.447.5415, or toll free 877.446.7937. You can also manage your rewards account through the website by registering online and receive a monthly eStatement.  To get started you will need to register online at, or call Callaway Bank Rewards service center.

How do I sign up for Callaway Bank Rewards?

You are automatically enrolled into the Callaway Bank Rewards program at no cost when you open an Ultimate Checking® account or any business checking account with a debit card.

How do I increase the daily spending limit on my debit card?

Come in to speak to a Personal Banker or contact Customer Care Team at 800.446.2265 to increase your daily spending limit.

How do I dispute a charge on my account?

Call 800-446-2265 and your Customer Care Team will be happy to help you dispute your fraudulent activity. They are open Monday-Friday 7:30 a.m. – 10:00 p.m.; Saturdays 9:00 a.m. – 10:00 p.m. and Sunday 12:00 p.m. – 8:00 p.m. You can also visit any lobby, and we will walk you through the process of disputing fraudulent activity.

How do I place a stop on a check?

Call 800.446.2265 or stop by any bank lobby location.

If you need to stop a check payment you will need to know the following information:

  • Amount on the check
  • Date on the check
  • Number of the check
  • Who the check was made out to
What should I do if I can’t remember my PIN for my debit card?

To reset your pin, please call our automated system at 800.992.3808.

What should I do if I have lost my debit card?

Come into any bank lobby location as soon as you can so that we can close the lost debit card and print a new one for you. For after hours lost or stolen debit cards, call 800.472.3272 so that your card can be canceled to avoid any fraudulent charges.