Personal Checking Accounts

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 Month (1)
  • Callaway Bank Rewards earn points with your debit card (2)
  • One Waived Overdraft Fee Annually (3)

We offer a Simple Checking Account that has no monthly service fee and a Cash Back Debit Card Account. We have additional account options that are sure to fit your banking needs!

Personal Checking Accounts

Personal Checking Account OptionsSIMPLE CHECKINGULTIMATE® CHECKING
Monthly Fee$5.95
Opening Deposit$100.00$100.00
Reimbursed ATM Fees (1) Yes!
Account Has RewardsYes! Enjoy 2,500 points at new account opening AND Earn points for every $4 Debit Card spend. (2) callawaybank.com/rewards
One Waived Overdraft Fee Annually (3)Yes!Yes!
Checks Included with AccountYes! One Box At A Time
No Fees on Checks Written/Items DepositedYes!Yes!
Debit Mastercard® with ID Theft Protection, Extended Warranty, and Airport Concierge. (4) Yes!Yes!
Fraud Analytics Protection 24/7/365Yes!Yes!
Mobile Wallet & Contactless Payment ReadyYes!Yes!
Bank in-app or online - virtually anytime, anywhere!Yes!Yes!
Other FeesCommon FeesCommon Fees
(1) ATM reimbursements of up to $12 for non-Callaway Bank ATM fees incurred during the statement cycle are refunded at the end of each statement cycle. Excludes international ATM and exchange fees. (2) Transactions excluded from Callaway Bank Rewards point calculation include the following: (a) cash advances, ATM withdrawals, convenience checks, and balance transfers, except as otherwise permitted in special promotional offers: (b) any bank fees and card-related charges posted to a Rewards Card account, including ATM fees, late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable Cardholder agreement; or (c) tax payments or any unauthorized charges or transactions. (3) Contact The Callaway Bank to waive (one) $30.00 overdraft fee per rolling 12-month period. (4) Certain restrictions may apply. For complete details refer to the Debit Mastercard Guide To Benefits www.mastercard.us/zero-liability.

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 information 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.