The Callaway Bank cares about setting you up with the account that is right for you. Whether you are managing your entire family’s finances or helping your child learn to budget, we’re positive The Callaway Bank has an option that will serve your needs.
Common Checking Account Features:
All our checking accounts include features that will make you feel secure, like our free Fraud Analytics Protection, as well as digital banking that lets you manage your finances efficiently while on the go. The Callaway Bank eAlerts will keep you on top of your transactions. Our 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:
The Ultimate Checking® Account at The Callaway Bank offers:
- Up to $12 in Refunded ATM Fees per Month²
- One Waived Overdraft Fee Annually³
- Free Bank Logo Checks⁴
- Callaway Bank Rewards
No Fee Option:
We offer a Simple Checking Account that has no monthly service fee and a Cash Back Debit Card Account where you could earn up to $8 back each month.⁹
Personal Checking Accounts
| ACCOUNT FEATURES | SIMPLE CHECKING | ULTIMATE® CHECKING |
|---|---|---|
| Monthly Service Charge | – | $5.95 |
| Minimum Balance to Open | $100.00 | $100.00 |
| Minimum Balance Required¹ | – | – |
| Reimbursed ATM Fees² | – | Yes! |
| Callaway Bank Rewards + 2,500 Bonus Points for Opening Your Account | – | Yes! |
| One Waived Overdraft Fee Annually³ | – | Yes! |
| Bank Logo Checks Included with Account⁴ | – |  |
| No Fees on Checks Written or Items Deposited | | |
| Debit Mastercard® | | |
| Fraud Analytics Protection | | |
| Digital Banking & Bill Pay | | |
| Mobile Banking App with Mobile Check Deposit⁵ | | |
| Mobile Pay Ready for: Apple Walletᵀᴹ, Fitbit Payᵀᴹ, Garmin Payᵀᴹ, Google Walletᵀᴹ, Samsung Walletᵀᴹ | | |
| 24hr Telebanking | | |
| eAlerts | | |
| Auto Transfer to Prevent Overdraft Fees⁷ | | |
| eStatement with Check Images | | |
| Other Fees | Common Fees | Common Fees |
| OPTIONAL ACCOUNT FEATURES | ||
| Courtesy Pay Overdraft Protection⁸ | $800.00 Limit | $1,200.00 Limit |
| Paper Statement | $3.95 Per Cycle | No Charge |
Ultimate Checking Account
Our Ultimate Checking® Account is the best value! It includes many services and features with only a small monthly fee of $5.95.
Cash Back Debit Card Account
The Cash Back Debit Card from The Callaway Bank rewards every swipe or click with 4% (up to $8/month) cash back.
Simple Checking Account
Basic Checking is an account that comes with all of the features that you will need to feel secure.
Personal Mobile App
The Callaway Bank Mobile app allows you to bank on the go. It’s free to download and offers quick access for managing your consumer accounts.
Business Remote Check Deposit
The Callaway Bank makes it easy to deposit checks on the go!
Fastest and Easiest Way to Replace a Personalized Debit Card
We know how easy it can be to lose a debit card. We’ve all done it. At The Callaway Bank, our goal is to make handling that inconvenience as painless as possible. We’re able to quickly replace your debit cards on the spot at any of our locations. And if you’re worried about your card falling into the wrong hands, you can use digital banking options (online or the mobile app) to turn on and off your debit card further protecting yourself from fraudulent purchases.
All of our debit cards are contactless, have your personal infomration on the back of the card, and include an EMV chip. Chip cards are more secure than standard magnetic strip cards, which were invented more than 50 years ago. Chip cards create a one-time code for each in-store purchase you make using your card. A chip card – also called a smart card or an EMV™ card – is a debit that contains a microprocessor that enhances the security of cards during point-of-sale transactions. The EMV chip establishes a digital conversation (sometimes referred to as a “handshake”) between your credit card and the transaction terminal in order to authenticate the transaction. The benefit: EMV chips can’t be copied or counterfeited in the way that magnetic stripes have been in the past, so credit card companies are hoping for less fraud.
¹If your account reaches a zero balance, it will automatically be closed. ²You will receive reimbursements up to $12 for non-Callaway Bank ATM fees incurred during the statement cycle. ATM fees are refunded at the end of each statement cycle. Excludes international ATM and exchange fees. ³Contact The Callaway Bank to waive (one) $30.00 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 $30.00 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 after 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. ⁹To qualify for up to $8 in cash back rewards and up to $12 in ATM refunds, each statement cycle requires: at least 18 qualified debit card purchases, receive a minimum of $1200 in direct deposits, and be enrolled in eStatements.