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 today!

Personal Checking Accounts

ACCOUNT FEATURESSIMPLE CHECKINGULTIMATE® CHECKING
Monthly Service Charge$5.95
Minimum Balance to Open$100.00$100.00
Minimum Balance Required¹
Reimbursed 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
Digital Banking & Bill Pay
Mobile Banking App with Mobile Check Deposit⁵
Mobile Pay Ready for: Apple Walletᵀᴹ, Fitbit Payᵀᴹ, Garmin Payᵀᴹ, Google Walletᵀᴹ, Samsung Walletᵀᴹ
24hr Telebanking
eAlerts
Auto Transfer to Prevent Overdraft Fees⁷
eStatement with Check Images
Other FeesCommon FeesCommon Fees
OPTIONAL ACCOUNT FEATURES
Courtesy Pay Overdraft Protection⁸$800.00 Limit$1,200.00 Limit
Paper Statement$3.95 Per CycleNo Charge

Personal Interest Checking Account

ACCOUNT FEATURESINTEREST CHECKING
Earns Interest✔
Monthly Service Charge$12.00
Minimum Balance to Open$100.00
Minimum Balance Required¹$2,500.00 to waive service charge
Refunded ATM Fees²
Callaway Bank Rewards + 2,500 Bonus Points for Opening Your Account
One Waived Overdraft Fee Annually³
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
Digital Wallet Ready! - Apple Payᵀᴹ - Fitbit Payᵀᴹ - Garmin Payᵀᴹ - Google Payᵀᴹ - Samsung PayTMᵀᴹ ⁶✔
Telebanking
eAlerts✔
Auto Transfer to Prevent Overdraft Fees⁷✔
eStatement w/ Check Images✔
Other Common FeesCommon Fees
OPTIONAL ACCOUNT FEATURES
Courtesy Pay Overdraft Protection⁸$800.00 Limit
Paper Statement$3.95 Per Cycle

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.