Our Ultimate Checking Account is the best value!  It includes many services and features with only a small monthly fee of $5.95. Plus, you can enjoy a local Customer Care Team that’s ready to help you, 7 Days-A-Week!

  • The Callaway Bank Rewards Program – The Ultimate Checking Account includes rewards! Points are good for gift cards, merchandise, and travel. You can even donate your points to select local charities – that’s something to feel good about! (1,3)
  • Digital Banking – Bank in-app or online – virtually anytime, anywhere.
  • Reimbursed ATM Fees – Use ATMs across the U.S. and we’ll automatically refund up to $12 in ATM fees from the other bank. (2)
  • 40,000+ ATMs Available – When you bank with us your Callaway Bank Debit Mastercard allows you access to the MoneyPass® ATM network. This means you can get the cash you need surcharge-free across the U.S. — it’s just like using a “native” Callaway Bank ATM.
  • One waived overdraft fee each year because we understand – accidents happen. (4)

See the comparison below of two of our more popular checking account options, or let’s get started!

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Personal Checking Accounts

Personal Checking Account OptionsSIMPLE CHECKING: An account designed to make managing money simple.ULTIMATE® CHECKING: Enjoy Callaway Bank Rewards and ATM rebates. (1,2)
Monthly Fee$5.95
Opening Deposit$100.00$100.00
Reimbursed ATM Fees (2) Yes!
Account Has Callaway Bank RewardsYes! Enjoy 2,500 points at new account opening AND Earn points for every $4 Debit Card spend. (1,3) callawaybank.com/rewards
One Waived Overdraft Fee Annually (4)Yes!Yes!
Checks Included with AccountYes! One Box At A Time
No Fees on Checks Written or Items DepositedYes!Yes!
Callaway Bank Debit Mastercard® with ID Theft Protection, Extended Warranty, and Airport Concierge. (5) Yes!Yes!
Fraud Analytics Protection 24/7/365Yes!Yes!
Mobile Wallet and Contactless Payment ReadyYes!Yes!
Bank in-app or online - virtually anytime, anywhere!Yes! Yes!
Mobile Check DepositYes!Yes!
Raise your spending limit, temporarilyYes!Yes!
Manage Travel Alerts, eAlertsYes!Yes!
Send money person-to-person (6)Yes!Yes!
eStatements with Check Images: Opt-In with Digital Banking!Yes!Yes!
Review balances, transactions, and transfer fundsYes!Yes!
Personal Budgeting Tools, Money InsightsYes!Yes!
OPTIONS FOR PERSONAL ACCOUNTS
Paper Statement Eligible$3.95 per statement cycleYes!
Overdraft Protection Available (7)Yes! Yes!
Common Consumer FeesCommon Consumer Fees

(1) You’re automatically enrolled in the Callaway Bank Rewards program at no additional cost. Earn points on everyday purchases made with your debit card that can be redeemed for gift cards, merchandise, travel packages, or donated to select local charities! Tax payments and ATM withdrawals are not eligible to receive Callaway Bank Rewards. See full program details and register at callawaybankrewards.com.
(2) 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.
(3) 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.
(4) Contact The Callaway Bank to waive (one) $30.00 overdraft fee per rolling 12-month period.
(5) Certain restrictions may apply. For complete details refer to the Debit Mastercard Guide To Benefits www.mastercard.us/zero-liability.
(6) Available after bank approval.
(7) Overdraft (OD)/Non-Sufficient Funds (NSF) Fees: NSF items are defined as items that were returned unpaid. OD items are items that are paid. All items presented against insufficient funds are automatically charged fees by the computer system. These fees are as follows:
•Item(s) that create an overdrawn balance of less than $30.00 will not result in an NSF Returned Item Fee or Paid Item Fee.
•Item(s) that create an overdrawn balance of $30.00 or greater will be charged a $30.00 per item NSF Returned Item Fee or Paid Item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Uncollected Funds Fees: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
•Item(s) that present on an uncollected balance of less than $30.00 will not result in an Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
•Item(s) that present on an uncollected balance of $30.00 or greater will result in a $30.00 per item Uncollected Funds Returned Item Fee or an Uncollected Funds Paid Item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Courtesy Pay Program Overdraft Fees: For Accounts that are opted-in to the Courtesy Pay Program (CP) and have items presented against insufficient funds, items will be paid up to the account’s Courtesy Pay limit if the client has not revoked their Courtesy Pay Program opt-in or the bank has not revoked the Courtesy Pay Program privilege. These fees are automatically charged by the computer system against all items. These fees are as follows:
•Item(s) that create an overdrawn balance of less than $30.00 will not result in a Courtesy Pay Paid Item Fee.
•Item(s) that create an overdrawn balance of $30.00 or greater will be charged a $30.00 per item Courtesy Pay Paid Item Fee.
Courtesy Pay Uncollected Funds Fees: Uncollected Funds items are defined as items that are returned or paid when presented against uncollected funds.
•Item(s) that present on an uncollected balance of less than $30.00 will not result in an Uncollected Funds Courtesy Pay Paid item Fee
•Item(s) that present on an uncollected balance of $30.00 or greater will result in a $30.00 per item Uncollected Funds Courtesy Pay Paid item Fee.
Multiple attempts may be made to present a returned item for a payment and multiple fees may be charged to client as a result.
Maximum Daily OD/NSF Fees are limited to three (3) per day or $90.00.
A $3 Continuous Day Overdraft Charge, will be imposed daily beginning on the 3rd business day an account has been overdrawn $30.00 or more and will continue until the account balance is positive
Courtesy Pay Limits: $800 for Simple Checking; $1200 for Ultimate Checking Account

Branch Management

Jessie Gieson

Senior Branch Manager


Columbia (West Broadway)

Tony Jaco

Branch Manager


573-642-3322

Columbia (Chapel Hill)

Lauren Kleinschmit

Assistant Branch Manager


Fulton (Downtown)

Rachel Wilkerson

Customer Care Team Manager


Fulton (Downtown)

Ashly Galbreath

Regional Branch Manager, VP


Fulton (Downtown)

Jessica Parker

Branch Manager


Fulton (South)