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
| 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 |
Personal Savings Accounts & 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
The Callaway Bank now offers Digital Wallets: Google Pay™, Apple Pay®, and Samsung Pay™.
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.
Personal Mobile Check Deposit
Deposit checks anywhere, anytime with Mobile Check Deposit from The Callaway Bank.
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.