Business Remote Check Deposit

Deposits within the parameters below are typically approved within minutes. Consumer, Prepaid, and Business accounts have an automatic limit set at $3,000 with a maximum deposit up to $5,000 with approval.

It’s free to our checking and prepaid clients!

• Consumer accounts: $0 per check deposit, $0 Enrollment Fee
• Business accounts: $0 per check deposit, $0 Enrollment Fee
• Prepaid Accounts: $0 per check deposit, $0 Enrollment Fee

Checking, Savings, Prepaid, and Money Market accounts.

Yes.  You enroll one account initially.  Once your enrollment is approved, you can add additional accounts by calling our Customer Care Team at 573.642.3322 Monday – Friday 7:00 a.m. – 1:00 a.m.; Saturday 8:00 a.m. – 2:00 p.m.

Mobile check deposit is available on Android™ mobile phones, Apple iPhones^® and iPads™, and Amazon Kindle™ devices.

We require it to be your signature with “For Mobile Deposit Only” under your name. This helps you identify which checks were deposited via your mobile device and prevents accidentally depositing the check more than once.

After you receive confirmation that we have received your check image retain the check for at least 30 calendar days, then destroy it.

We use multiple layers security technology and advanced encryption to ensure your information is protected through a secure connection to the bank.  Additionally, neither your check images nor your banking information is ever stored on your device.

Below you’ll find a more detailed outline of the security measures used to protect you:

• We use TLS 1.1 & 1.2 encryption which is considered “strong cryptography” and more advanced than previous SSL methods
• We require a unique online banking ID and strong passwords which need to be updated every 6 months.
• We use a multi-authentication approach which requires additional challenge questions to be answered if you are using a device or computer that you have not registered.
• Check images are scanned and reviewed for duplicates.
• Specific limits on the amount and number of checks deposited via mobile are set which require additional authorization if they are exceeded.

While security measures are in place, there are several practices you can utilize to further protect yourself.

• Callaway Bank employees will NEVER ask you for your online banking credentials, such as your password, security questions, and answers.
• Keep online banking credentials secure and safe. Never disclose your username, password or account numbers to anyone and do not leave them written down.
• Never use your online banking password on any other website. Keep it unique and safe.
• Eliminate or limit unnecessary email activity and web-surfing on computers and cell phones used for online banking. Consider dedicating a computer to online banking for your business and never use it for general internet browsing or email.
• DO NOT use public wireless access and computers at libraries, hotels or other public places.
• Monitor your bank account transactions daily and report any unauthorized or suspicious activity to The Callaway Bank immediately.
• Be highly suspicious of any emails or text messages stating you have won a prize or claiming to be from government agencies, tax agencies, financial institutions or other companies asking you to verify account information or online banking credentials. Clicking on the links or opening attachment can expose your computer and phones to fraud.
• Download the app from official sources only such as iTunes® App Store, and for Android, Google Play®, or the Amazon Fire store.
• Never leave your mobile device unattended while using The Callaway Bank Mobile app or any other mobile activity.
• Use your phone’s built-in lock function and set a password-protect for start-up or time-out.

Deposits made before 5:00 pm Central Time on a Business Day that we’re open will be available the next business day.  Deposits made after 5:00 pm Central Time on a Business Day that we’re open will be available the second business day.

The first thing you’ll see is a pop-up message in the app letting you know your deposit is being reviewed.

App Pop Up Message: “The deposit to ***123 has been received and will be reviewed” (with ***123 being your account number).

Status Update Email:  Shortly afterward, you’ll receive a status update via email stating one of the following:

Approved – A message stating that “Check # xxx in the amount of $xx.xx has been approved” will be sent before the end of the business day.

Rejected –    A message stating that “Check # xxx in the amount of $xx.xx has been declined” will be sent before the end of the business day.

Duplicate – If a check has already been deposited, the duplicate will be automatically rejected. Expect an email like: “This check was not accepted.  It is a duplicate of a previously deposited check.  Please contact us at 573.642.3322 for assistance if needed.”

Please note that if your deposit was made after 5:00 pm on a business day you’ll receive the above communications on the following business day.