Gold Leaf Interest Checking Account and The Gold Leaf Club
The Gold Leaf Interest Checking Account is available to those who are at least 50 years of age and want to earn interest on their personal checking account.
Enjoy the features you need with the customer service you deserve!
Learn more about the Gold Leaf Club below! You can enjoy social events with like-minded Callaway County and Boone County members.
Gold Leaf Checking Account
| ACCOUNT FEATURES | GOLD LEAF INTEREST CHECKING |
|---|---|
| Earns Interest | Yes! |
| No Monthly Fee | Yes! |
| Opening Deposit | $100.00 |
| Checks Included with Account | Yes! One Box At A Time |
| No Fees on Checks Written or Items Deposited | Yes! |
| Callaway Bank Debit Mastercard® with ID Theft Protection, Extended Warranty, and Airport Concierge. (1) | Yes! |
| Fraud Analytics Protection 24/7/365 | Yes! |
| Mobile Wallet and Contactless Payment Ready | Yes! |
| Bank in-app or online - virtually anytime, anywhere with Digital Banking. | Yes! |
| Mobile Check Deposit With App | Yes! |
| Raise your Debit Card spending limit, temporarily for large purchases. | Yes! |
| Manage Travel Alerts, eAlerts | Yes! |
| Send money person-to-person (2) | Yes! |
| eStatements with Check Images: Opt-In with Digital Banking! | Yes! |
| Review balances, transactions, and transfer funds | Yes! |
| Personal Budgeting Tools, Money Insights | Yes! |
| OPTIONAL ACCOUNT FEATURES | |
| Overdraft Protection Available (3) | Yes! |
| Paper Statement Eligible | Yes! |
| Common Fees |
Gold Leaf Club Membership Requirements:
- Currently have a Gold Leaf Interest Checking Account
- Hold $10,000 in combined Callaway Bank deposits
- 50 years of age or more
Member Events
- Pokeno Game in Columbia– Free event held at 1:00 pm on the 1st Tuesday of every month at our West Broadway location.
- Pokeno Game in Fulton– Free event held at 12:00 pm on the 1st and 3rd Wednesday of every month at Callaway Senior Center.
- Card Game in Fulton– Free event held at 12:00 pm on the 1st and 3rd Thursday of every month at the Callaway Senior Center.
For more information on games or other Gold Leaf Club events, call Loretta Farmer at 573-592-6380.
(1) Certain restrictions may apply. For complete details refer to the Debit Mastercard Guide To Benefits www.mastercard.us/zero-liability.
(2) Available after bank approval.
(3) 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