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.
Below are the full features of the Ultimate Checking Account:
Ultimate Checking: Non-Interest
| Includes | Ultimate Checking |
|---|---|
| Monthly Service Charge | $5.95 |
| No Fees on Checks Written or Items Deposited |  |
| Minimum Balance to Open | $100 |
| Minimum Balance Required | NONE |
| Refunded Non-Callaway Bank ATMs¹ | Unlimited |
| Callaway Bank Rewards + 1000 Points to Open Account | Earn points w/ each purchase |
| Waived Overdraft Fees Annually | 1 |
| Free Bank Logo Checks | |
| Mobile Banking App (plus optional mobile check deposit) | |
| eAlerts | |
| Online Banking | |
| Online Bill Pay | |
| Debit Mastercard® | |
| Fraud Analytics Protection | |
| eStatement w/ Check Images | |
| Free 24hr Telebanking | |
| Other Fees | Common Fees |
| Optional Features | |
| Mobile Check Deposit | $0 |
| Courtesy Pay Overdraft Protection² | $1,200 Limit |
| Paper Statement | $0 |
| FavCard (custom debit card) | $5.95 |
| FavCard (choose from our library) | $1.95 |
Open a Checking Account
Ready to open your account? You can open a personal checking or prepaid account online.
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™.
Ultimate Interest Checking
| Includes | Ultimate Interest Checking |
|---|---|
| Earns Interest | |
| Monthly Service Charge | $7.95 |
| No Fees on Checks Written or Items Deposited | |
| Minimum Balance to Open | $100 |
| Minimum Balance Required | NONE |
| Refunded Non-Callaway Bank ATMs¹ | Unlimited |
| Callaway Bank Rewards + 1000 Points to Open Account | Earn Points w/ Each Purchase |
| Waived Overdraft Fees Annually | 1 |
| Free Bank Logo Checks | |
| Mobile Banking App (plus optional mobile check deposit) | |
| eAlerts | |
| Online Banking | |
| Online Bill Pay | |
| Debit Mastercard® | |
| Fraud Analytics Protection | |
| eStatement w/ Check Images | |
| 24hr Telebanking | |
| Other Fees | Common Fees |
| Optional Features | |
| Mobile Check Deposit | $0 |
| Courtesy Pay Overdraft Protection² | $1,200 Limit |
| Paper Statement | $0 |
| FavCard (Custom Debit Card) | $5.95 |
| FavCard (choose from our library) | $1.95 |
¹Other bank’s ATM Fees will be refunded when the customer notifies The Callaway Bank within 60 days of the statement date in which the transaction was posted. Applies only on to ATM’s within the United States
²Courtesy 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 the 3rd day 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.