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

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)
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

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. ⁷Auto transfers to prevent overdrafts must be from a Callaway Bank account with available funds. 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 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.


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.