Simple Checking is a debit account that comes with all of the features that you will need to feel secure. It includes standard benefits such as a mobile app and optional mobile check deposit, a debit card, free Fraud Analytics Protection, free eStatements with check images, online bill pay, Apple Pay® and much more. We’re proud to be Missouri’s leading community bank!

Simplify Your Finances With Personal Checking in Mid-Missouri

With our free mobile app and online bill pay, we make it easy to track your spending, pay bills online, send money and deposit checks. Our Simple Checking is a non-interest account that requires no minimum monthly balance and no monthly service charge!

No gimmicks or hidden fees, just an easy to use Simple Checking account to take care of all of your needs. See the comparison below of two of our Checking Account options, and apply today!

Discover a Simpler Banking Solution With The Callaway Bank 

Ready to find the right account for your needs? Contact our Customer Care Team today and let us guide you through our range of personalized banking solutions. Whether it’s managing your family’s finances or teaching your child to save, we’re here for you every step of the way. Reach out now to discover how The Callaway Bank can make banking easier for you. 

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Personal Checking Accounts

Personal Checking Account OptionsSIMPLE CHECKING: An account designed to make managing money simple.ULTIMATE® CHECKING: Enjoy Callaway Bank Rewards and ATM rebates. (1,2)
Monthly Fee$5.95
Opening Deposit$100.00$100.00
Reimbursed ATM Fees (2) Yes!
Account Has Callaway Bank RewardsEnjoy 2,500 points with new account opening AND Earn 1 point for every $4 Debit Card spend. Callaway Bank Rewards Details (1,3)
One Waived Overdraft Fee Annually (4)Yes!Yes!
Checks Included with AccountYes! One Box At A Time
No Fees on Checks Written or Items DepositedYes!Yes!
Callaway Bank Debit Mastercard with Zero Liability Protection, ID Theft Protection, Extended Warranty, and Airport Concierge Full Program DetailsYes!Yes!
Fraud Analytics Protection 24/7/365Yes!Yes!
Mobile Wallet and Contactless Payment ReadyYes!Yes!
Bank in-app or online - virtually anytime, anywhere!Yes! Yes!
Mobile Check DepositYes!Yes!
Raise your spending limit, temporarilyYes!Yes!
Manage Travel Alerts, eAlertsYes!Yes!
Send money person-to-person (5)Yes!Yes!
eStatements with Check Images: Opt-In with Digital Banking!Yes!Yes!
Review balances, transactions, and transfer fundsYes!Yes!
Personal Budgeting Tools, Money InsightsYes!Yes!
OPTIONS FOR PERSONAL ACCOUNTS
Get Paid The Easy Way With Autobooks--Side Hustle Ready! Yes! Yes!
Extended FDICYes! Yes!
Paper Statement Eligible$3.95 per statement cycleYes!
Overdraft Protection Available (6)Yes! Yes!
Common Consumer FeesCommon Consumer Fees

(1) You’re automatically enrolled in the Callaway Bank Rewards program at no additional cost. Earn points on everyday purchases made with your debit card that can be redeemed for gift cards, merchandise, travel packages, or donated to select local charities! Tax payments and ATM withdrawals are not eligible to receive Callaway Bank Rewards. See full program details and register at callawaybankrewards.com.
(2) 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.
(3) 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.
(4) Contact The Callaway Bank to waive (one) $30.00 overdraft fee per rolling 12-month period.
(5) Certain restrictions may apply. For complete details refer to the Debit Mastercard Guide To Benefits www.mastercard.us/zero-liability.
(6) Available after bank approval.
(7) Overdraft (OD)/Non-Sufficient Funds (NSF) Fees: NSF items are defined as items that were returned unpaid. OD items are items that are paid. All items presented against insufficient funds are automatically charged fees by the computer system. These fees are as follows:
•Item(s) that create an overdrawn balance of less than $30.00 will not result in an NSF Returned Item Fee or Paid Item Fee.
•Item(s) that create an overdrawn balance of $30.00 or greater will be charged a $30.00 per item NSF Returned Item Fee or Paid Item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Uncollected Funds Fees: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
•Item(s) that present on an uncollected balance of less than $30.00 will not result in an Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
•Item(s) that present on an uncollected balance of $30.00 or greater will result in a $30.00 per item Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Courtesy Pay Program Overdraft Fees: For Accounts that are opted-in to the Courtesy Pay Program (CP) and have items presented against insufficient funds, items will be paid up to the account’s Courtesy Pay limit if the client has not revoked their Courtesy Pay Program opt-in or the bank has not revoked the Courtesy Pay Program privilege. These fees are automatically charged by the computer system against all items. These fees are as follows:
•Item(s) that create an overdrawn balance of less than $30.00 will not result in a Courtesy Pay Paid Item Fee.
•Item(s) that create an overdrawn balance of $30.00 or greater will be charged a $30.00 per item Courtesy Pay Paid Item Fee.
Courtesy Pay Uncollected Funds Fees: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
•Item(s) that present on an uncollected balance of less than $30.00 will not result in an Uncollected Funds Courtesy Pay Paid item Fee
•Item(s) that present on an uncollected balance of $30.00 or greater will result in a $30.00 per item Uncollected Funds Courtesy Pay Paid item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Maximum Daily OD/NSF Fees are limited to three (3) per day or $90.00.
A $3 Continuous Day Overdraft Charge, will be imposed daily beginning on the 3rd business day an account has been overdrawn $30.00 or more and will continue until the account balance is positive
Courtesy Pay Limits: $800 for Simple Checking and Cash Back Debit Card Accounts; $1200 for Ultimate Checking Account

Digital Wallets FAQs

How do I add my Callaway Debit Card to my Digital Wallet?
  1. Load your Callaway Bank Debit Card to your Mobile Wallet compatible device using Apple Pay©, Google Pay™, Samsung Pay™, Garmin Pay™, Fitbit Pay™
  2. Repeat this simple process for all devices and payment options you want to use Mobile Wallet, including your smartwatch and phone.
  3. The verification process is completed and you’re all done!

 

What if I get a new card?

Let’s say you get a new card because your old one is expiring. You will need to load your new card into your wallet and go through the authentication process by calling the bank again. Then you can delete your old card from your wallet.

Are all mobile devices capable of using their respective digital wallets? (i.e. Can all iPhones use Apple Pay?)

No. Older phones are not compatible. Below are general rules of thumb to use:

iPhones have to be iPhone 6 or newer.
Samsung phones have to be Galaxy 6s or newer.
Android Pay is available on all non-rooted Android devices (KitKat 4.4+).
See your device manufacturer for more specific details.

Will the transaction appear differently on my statement?

No. It will look like any other debit or credit card transaction.

How is it secure?

Your card numbers are not stored on the phone. The wallet app assigns each credit and debit card a virtual card number, sometimes referred to as a token, that is only associated with the digital wallet and mobile device you use.
When you use your device to pay, the wallet doesn’t send your actual credit or debit card number with your payment. Instead, it uses the virtual card number to represent your account info. Your card then is never exposed and neither is your checking account.
The apps require authorization via your fingerprint, passcode, or another security measure before completing the transaction. Additionally, to just have a card loaded the app will require the user to have their device security setup. Therefore if someone found your phone they couldn’t access your wallet without unlocking your phone.

What is the cost to use a digital wallet?

$0. Nothing. Nada. The purchase will be the same amount as if you paid with your card.

Please note that wireless data charges may apply and you should consult with your wireless carrier for more information.