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 Options | SIMPLE CHECKING | ULTIMATE® CHECKING |
|---|---|---|
| Monthly Fee | – | $5.95 |
| Opening Deposit | $100.00 | $100.00 |
| Reimbursed ATM Fees (1) | – | Yes! |
| Account Has Rewards | – | Yes! 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 Account | – | Yes! One Box At A Time |
| No Fees on Checks Written/Items Deposited | Yes! | Yes! |
| Debit Mastercard® with ID Theft Protection, Extended Warranty, and Airport Concierge. (4) | Yes! | Yes! |
| Fraud Analytics Protection 24/7/365 | Yes! | Yes! |
| Mobile Wallet & Contactless Payment Ready | Yes! | Yes! |
| Bank in-app or online - virtually anytime, anywhere! | Yes! | Yes! |
| Other Fees | Common Fees | Common 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. |
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™.
Account eAlerts and Notifications
A wide range of valuable, time-saving updates about your account.
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.