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 are Missouri’s leading community bank!
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!
Personal Checking Accounts
Personal Checking Account Options | SIMPLE CHECKING: An account designed to make managing money simple. | ULTIMATE® CHECKING: Enjoy Callaway Bank Rewards and ATM rebates. (1,2) |
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Monthly Fee | – | $5.95 |
Opening Deposit | $100.00 | $100.00 |
Reimbursed ATM Fees (2) | – | Yes! |
Account Has Callaway Bank Rewards | – | Yes! Enjoy 2,500 points at new account opening AND Earn points for every $4 Debit Card spend. (1,3) callawaybank.com/rewards |
One Waived Overdraft Fee Annually (4) | Yes! | Yes! |
Checks Included with Account | – | Yes! One Box At A Time |
No Fees on Checks Written or Items Deposited | Yes! | Yes! |
Callaway Bank Debit Mastercard® with ID Theft Protection, Extended Warranty, and Airport Concierge. (5) | Yes! | Yes! |
Fraud Analytics Protection 24/7/365 | Yes! | Yes! |
Mobile Wallet and Contactless Payment Ready | Yes! | Yes! |
Bank in-app or online - virtually anytime, anywhere! | Yes! | Yes! |
Mobile Check Deposit | Yes! | Yes! |
Raise your spending limit, temporarily | Yes! | Yes! |
Manage Travel Alerts, eAlerts | Yes! | Yes! |
Send money person-to-person (6) | Yes! | Yes! |
eStatements with Check Images: Opt-In with Digital Banking! | Yes! | Yes! |
Review balances, transactions, and transfer funds | Yes! | Yes! |
Personal Budgeting Tools, Money Insights | Yes! | Yes! |
OPTIONS FOR PERSONAL ACCOUNTS | ||
Paper Statement Eligible | $3.95 per statement cycle | Yes! |
Overdraft Protection Available (7) | Yes! | Yes! |
Common Consumer Fees | Common Consumer Fees |
Personal Savings Accounts and CDs
No matter what you’re saving for, we’re here to help keep your money safe and secure until you’re ready to use it.
Digital Wallets are ready for all your Callaway Bank accounts
The Callaway Bank now offers Digital Wallets: Google Pay™, Apple Pay®, and Samsung Pay™.
Personal Mobile Banking 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.
Personal Mobile Check Deposit
Deposit checks anywhere, anytime with Mobile Check Deposit from The Callaway Bank.
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