Happy Dance Special

Open a Callaway Bank Free Student Checking Account with a debit card and you could receive $50 by using your debit card at least 15 times within 60 days.

Your 15 debit card purchases must add up to a minimum of $100 in spending, but that’s easy when it costs $40 to fill up your car, or your favorite super-size skinny vanilla latte is $5!  See below for account and promotional details.


Free Student Checking

Monthly Service Charge
Minimum Balance to Open
Minimum Balance Required
Free Online Banking3
Free eStatement w/ Check Images
Free FraudWatch Plus Protection
Free Online Bill Pay
Free Visa Check Card2
Free eAlerts4
Free Mobile Banking4
Free 24hr Telebanking
Courtesy Pay Overdraft Protection5
$400 Limit
Waived Fees for Overdraft Auto Transfer from Other Accounts
No Fees on Checks Written or Items Deposited
Paper Statement

Happy Dance Special Details: Requires $25 minimum deposit to open a new Free Student Checking account. All regular account opening procedures apply and are subject to approval. Debit card cash bonus of $50 requires 15 debit card transactions with a combined total of at least $100 within 60 days of the account opening. The bonus will be reported as interest earned on IRS Form 1099-INT and you are responsible for any applicable taxes.The bonus will be credited to your new Free Student Checking Account within 6-8 weeks after debit card transactions are completed. One offer per person. Individual must be 18 years or older to qualify and present a valid student ID at account opening. Offer may not be combined with any other marketing offers. Other restrictions may apply. This promotion is available for a limited time only. Account must be open to receive bonus.


Overdraft and Non-sufficient fund fees may apply.

2 Internet carrier fees may apply. Check with your carrier.

 Wireless carrier rates may apply. Check with your carrier.

Courtesy Pay Overdraft Protection charges $29.50 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 third 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 9 locations

Bank on it


Grants Available to Home Buyers

Home buyers who face the challenge of covering the upfront costs involved with buying a home… Read More


Should You Monitor Your Credit Report?

Your credit report is considered to be a report of your financial reputation, or your financial… Read More

BOC sponsored 2015(3)

Best of Columbia 2015

Congratulations to all of the winners of Inside Columbia’s Best of Columbia 2015. The Inside Columbia… Read More