Our Ultimate Checking® Account is the best value!  It includes many services and features with only a small monthly fee of $5.95.

  • Reimbursed ATM Fees up to $12 – Use any ATM across the U.S. and we’ll automatically refund up to $12 in ATM fees from the other bank at the end of each statement cycle.  That’s in addition to the 32,000+ free ATMs in the MoneyPass® network.
  • 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 with Missouri’s most trusted community bank today!

Personal Checking Accounts

Personal Checking Account OptionsSIMPLE CHECKINGULTIMATE® CHECKING
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) callawaybank.com/rewards
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 www.mastercard.us/zero-liability.

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.

Mobile Banking App FAQs

Standard phone requirements for Mobile Banking App:

iPhone®

Compatibility:  Requires iOS 10.0 or later.
Compatible with iPhone®, iPad, and iPod touch.
This app is optimized for iPhone® X.

Android

Requires Android 4.0 and up.

Note:  each carrier determines the features that may or may not be changed on the phone or browser.  It is best to contact the carrier and request a list of phones that support the minimum browser requirements.   US Cellular only allows web access on smart phones.

Will my phone work with The Callaway Bank Mobile Banking App?

Mobile Banking is specifically designed to be compatible with any iPhone® or Android device- however, accessing Mobile Banking may be challenging on less advanced or older phones.  Your mobile device must meet the standard requirements listed below.

iPhone®

Compatibility:  Requires iOS 10.0 or later.
Compatible with iPhone®, iPad, and iPod touch.
This app is optimized for iPhone® X.

Android

Requires Android 4.0 and up.

Note:  each carrier determines the features that may or may not be changed on the phone or browser.  It is best to contact the carrier and request a list of phones that support the minimum browser requirements.   US Cellular only allows web access on smart phones.

What do I need to get started?
  • Be enrolled in and have access to The Callaway Bank Online Banking or Business Online Banking.
  • BUSINESS ACCOUNTS:  To be able to use the Mobile Banking App for business accounts, please contact one of our specialists at 800-446-2265, [email protected], or your personal banker at one of our facilities.
Where is this service available?

The Callaway Bank Mobile Banking App is available wherever your mobile carrier allows service.

What accounts can I access with the Callaway Bank Mobile Banking App?

The Mobile Banking App provides access to most of the accounts you can access now on Callaway Bank Online Banking, including personal and small business checking, savings, loan and line of credit accounts.

Will I be charged a fee for Callaway Bank Mobile Banking?

The Callaway Bank does not charge a fee to access our Mobile Banking App.  Check with your wireless provider for information about fees associated with accessing the internet and receiving text messages through your mobile device.

What is the Mobile Banking App?

Our Mobile Banking App enables you to connect to your eligible Callaway Bank accounts via an app that is installed on your mobile device.  You can check account balances, review your recent account activity, transfer funds, use mobile check deposit, and find a Callaway Bank branch or ATM.