Our Ultimate Checking® Account is the best value! It includes many services and features with only a small monthly fee of $5.95.
- Refunded ATM Fees – Use any ATM across the U.S. and we’ll refund the service charge from the other bank. Just contact us within 60 days after use and we’ll refund the charge.
- Callaway Bank Rewards – Earn points with each debit card purchase and other services. Points are good for gift cards, merchandise, and travel.
- Free Checks – No extra charge for buying checks.
- One waived overdraft fee each year. Accidents happen.
See the comparison below of two of our Checking Account options, and apply today!
Personal Checking Accounts
| ACCOUNT FEATURES | BASIC CHECKING | ULTIMATE® CHECKING |
|---|---|---|
| Monthly Service Charge | – | $5.95 |
| Minimum Balance to Open | $100.00 | $100.00 |
| Minimum Daily Average Balance Required¹ | – | – |
| Refunded 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 | | |
| Online Banking & Bill Pay | | |
| Mobile Banking App with Mobile Check Deposit⁵ | | |
| Apple Payᵀᴹ, Google Pay®, Samsung Payᵀᴹ ⁶ | | |
| 24hr Telebanking | | |
| eAlerts | | |
| Auto Transfer to Prevent Overdraft Fees⁷ | | |
| eStatement with Check Images | | |
| Other 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 |
| FavCard (Custom Debit Card) | $5.95 | $5.95 |
| FavCard (Choose From Our Library) | $1.95 | $1.95 |
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.
The Callaway Bank Debit and Credit Mastercard Program
The Callaway Bank offers debit and credit cards through MasterCard. Our cards are accepted worldwide and they feature chip technology for advanced security.
Digital Wallets
The Callaway Bank now offers Digital Wallets: Google Pay™, Apple Pay®, and Samsung Pay™.
Personal Interest Checking Accounts
| ACCOUNT FEATURES | BASIC INTEREST CHECKING | ULTIMATE INTEREST CHECKING |
|---|---|---|
| Earns Interest | | |
| Monthly Service Charge | $12.00 | $7.95 |
| Minimum Balance to Open | $100.00 | $100.00 |
| Minimum Daily Average Balance Required¹ | $2,500.00 to waive service charge | – |
| Refunded 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 | | |
| Online Banking & Bill Pay | | |
| Mobile Banking App with Mobile Check Deposit⁵ | | |
| Apple Payᵀᴹ, Google Pay®, Samsung Payᵀᴹ ⁶ | | |
| 24hr Telebanking | | |
| eAlerts | | |
| Auto Transfer to Prevent Overdraft Fees⁷ | | |
| eStatement w/ Check Images | | |
| Other 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 |
| FavCard (Custom Debit Card) | $5.95 | $5.95 |
| FavCard (Choose From Our Library) | $1.95 | $1.95 |
¹If your account reaches a zero balance, it will automatically be closed. ²To get ATM fees refunded notify The Callaway Bank within 60 days of the statement date when the fee(s) were posted. Applies only to ATMs within the United States. ³Contact The Callaway Bank to waive (one) $32.50 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 $32.50 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.