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

  • Any ATM at no extra charge – Use any ATM across the U.S. and we’ll waive service charge from the other bank.  Just contact us within 60 days after use and we’ll reverse 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 FEATURESBASIC CHECKINGULTIMATE® CHECKING
Monthly Service Charge$5.95
Minimum Balance to Open$100.00$100.00
Minimum Daily Average Balance Required¹
Refunded ATM Fees²Yes!
Callaway Bank Rewards + 2,500 Bonus Points for Opening Your AccountYes!
One Waived Overdraft Fee Annually³Yes!
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 FeesCommon Fees
OPTIONAL ACCOUNT FEATURES
Courtesy Pay Overdraft Protection⁸$800.00 Limit$1,200.00 Limit
Paper Statement$3.95 Per CycleNo Charge
FavCard (Custom Debit Card)$5.95$5.95
FavCard (Choose From Our Library)$1.95$1.95

Personal Interest Checking Accounts

ACCOUNT FEATURESBASIC INTEREST CHECKINGULTIMATE 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 Fees²Yes!
Callaway Bank Rewards + 2,500 Bonus Points for Opening Your AccountYes!
One Waived Overdraft Fee Annually³Yes!
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 FeesCommon Fees
OPTIONAL ACCOUNT FEATURES
Courtesy Pay Overdraft Protection⁸$800.00 Limit$1,200.00 Limit
Paper Statement$3.95 Per CylceNo 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. ⁷Set up a Callaway Bank account to prevent overdraft fees. 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.

Serving Mid-Missouri With Eight Convenient Locations

Putting customers first since 1857. We’re your community bank.

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.