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

IncludesUltimate Checking
Monthly Service Charge$5.95
No Fees on Checks Written or Items Deposited✔
Minimum Balance to Open$100
Minimum Balance RequiredNONE
Refunded Non-Callaway Bank ATMs¹ Unlimited
Callaway Bank Rewards + 1000 Points to Open Account Earn points w/ each purchase
Waived Overdraft Fees Annually1
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 FeesCommon 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

Ultimate Interest Checking

IncludesUltimate Interest Checking
Earns Interest✔
Monthly Service Charge$7.95
No Fees on Checks Written or Items Deposited✔
Minimum Balance to Open$100
Minimum Balance RequiredNONE
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 FeesCommon 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.

Serving Mid-Missouri With Eight Convenient Locations

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