Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # The Callaway Bank With You for the Moments That Matter ## Sitemaps - [XML Sitemap](https://www.callawaybank.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [News & Insights](https://www.callawaybank.com/news-insights/) - News and Insights from The Callaway Bank. Keep up with the latest news and banking insights! - [How Local Banking Benefits the Community](https://www.callawaybank.com/how-local-banking-benefits-the-community/) - While the benefits of shopping local are well-known, local banking is often overlooked. Find out how banking local at The Callaway Bank can benefit you. - [Updated Website Coming Soon](https://www.callawaybank.com/updated-website-coming-soon/) - Exciting Updates Coming Soon to Our Website! It’s home improvement season, and just like many homes this spring, our website is getting a fresh coat of paint and some new fixtures. In the next few weeks, we’ll be rolling out a refreshed and updated look to the site aimed at making your experience even better. Nothing drastic, and the - [Password Security Check: Alerts You if Your Password is Found on the Dark Web](https://www.callawaybank.com/password-security-check-helps-protect-your-digital-banking/) - Password Security Check helps protect your Digital Banking. It works by comparing your password against those exposed in known data breaches or on the dark web. - [Grounded in Agriculture. Focused on You.](https://www.callawaybank.com/grounded-in-agriculture-focused-on-you/) - Agriculture touches every part of our daily lives. From the clothes we wear to the food on our tables, it remains the foundation of a constantly evolving, modern world. Behind it all are farmers and ranchers, individuals who navigate economic uncertainty, unpredictable weather, and the many challenges that can impact their operations day to day. - [Seven Tips to Protect Yourself Online with Better Passwords](https://www.callawaybank.com/reduce-your-risk-of-account-takeovers-with-seven-proven-best-practices-to-help-you-create-stronger-passwords-and-remember-them-without-frustration/) - Reduce your risk of account takeovers with seven proven best practices to help you create stronger passwords and remember them without frustration. - [The Ramirez Journey](https://www.callawaybank.com/the-ramirez-journey/) - Discover how La Terraza expanded its business with the help of The Callaway Bank’s business banking team. Contact our business banking team to learn more. - [Fraudsters Target Even the Savvy: A Real-Life Account Reveals Deception](https://www.callawaybank.com/fraudsters-target-even-the-savvy-a-real-life-account-reveals-deception/) - Fraudsters are an on-going threat! The following incident is a stark reminder of this unsettling reality and the importance of fraud prevention. - [The Callaway Bank Embraces Employee Ownership](https://www.callawaybank.com/the-callaway-bank-embraces-employee-ownership/) - When you can boast a 162-year legacy, 18 months is not too long to wait to bring an exciting program to fruition. For a year and a half, The Callaway Bank’s president and CEO, Kim Barnes, lead a team of people, including the board of directors, and diligently laid the groundwork for the opportunity for - [Buying Your First Home: What to Expect](https://www.callawaybank.com/buying-your-first-home-what-to-expect/) - Six quick tips to get started on the home buying process. - [Why The Callaway Bank is Much Safer Than the Big National Banks](https://www.callawaybank.com/silicon-valley-bank-and-signature-bank-of-new-york-how-that-affects-us/) - Learn why The Callaway Bank offers a more diverse, safe, and strong balance sheet with its adherence to long-proven sound banking principles in an era of big national banks. - [Tax Documents and Other Notices are Available Online!](https://www.callawaybank.com/tax-documents-and-other-notices-are-available-online/) - Tax Documents and Other Notices are Available Online! Just in time for tax season, we have expanded our electronic documents to include tax docs, loan statements, and NSF notices. It’s easy to set up. Go to the Documents tab on the left side and follow the prompts. Or, use the Digital Banking Guide for step-by-step - [The Hidden Cost of Lower Premiums: Uncovering Surprises in Homeowner's Insurance Coverage](https://www.callawaybank.com/the-hidden-cost-of-lower-premiums-uncovering-surprises-in-homeowners-insurance-coverage/) - Unveiling the unexpected costs lurking beneath lower premiums in homeowner's insurance policies with our handy guide for Missouri homeowners. - [How To Fight Cardholder Fraud](https://www.callawaybank.com/how-to-fight-cardholder-fraud/) - Have you ever wondered how your stolen information is used to commit fraud, and what you can do to help prevent it? We have some tips to help you keep your information safe. Fraudsters have become increasingly adept at getting the information they need to commit fraud by posing as financial institution call center agents, - [The Benefits of a Revolving Line of Credit for Your Business](https://www.callawaybank.com/the-benefits-of-a-revolving-line-of-credit-for-your-business/) - A line of credit allows businesses to receive cash to cover costs that couldn’t otherwise be purchased with a credit card. Here's what you need to know. - [Consumer Alert: Mortgage Scam](https://www.callawaybank.com/consumer-alert-mortgage-scam/) - Consumer Alert: Mortgage Scam! If you receive the notice, disregard and dispose of it as you would any other junk mail. - [Is using a Digital or Mobile Wallet a good idea -- are they really safe?](https://www.callawaybank.com/is-it-really-safe-to-pay-with-my-phone-the-answer-might-surprise-you/) - Mobile pay is catching on, and for good reason. It's easy, secure, and convenient. Plus it can be used for both credit and debit cards. - [Financial Fraud Attempts Growing](https://www.callawaybank.com/financial-fraud-attempts-growing/) - Financial Fraud Attempts Growing Data breaches, unfortuanately, have become a common occurance in this modern world. High-severity breaches include sensitive data such as social security numbers and passwords. With so many of these instances, it is essential to review your statements and monitor your accounts regularly. At the Bank, we continue to see the number - [Benefits of Using a Community Bank vs. a National Bank](https://www.callawaybank.com/benefits-of-using-a-community-bank-vs-a-national-bank/) - Who you bank with matters. It's not just a choice you should make blindly. Your bank helps you manage your money, protect your money, and grow your money. In most parts of the country, you have multiple banking options, including both local community banks and national banks. The decision on which type of bank to - [Agriculture Lending is Essential to Missouri](https://www.callawaybank.com/why-agriculture-is-essential-to-missouri/) - We proudly salute every farmer, rancher, and agribusiness person. We encourage you to take a moment to thank a farmer for his or her hard work. - [Is a Joint Bank Account Right for You?](https://www.callawaybank.com/is-a-joint-bank-account-right-for-you/) - The decision to open a joint bank account might not be as straightforward as you think. There are a variety of benefits and risks associated with joint bank accounts that all involved individuals should weigh before opening a new account. - [Keep My Banking Private](https://www.callawaybank.com/keep-my-banking-private/) - Summary of the Proposed Change A current proposal to the federal budget would require banks and other financial institutions to report to the IRS on the deposits and withdrawals of business and personal accounts with average balances over $600. All banks would be required to participate. There is no option for the bank to decline - [A Guide to the Corporate Transparency Act for Missouri Business Owners](https://www.callawaybank.com/a-guide-to-the-corporate-transparency-act-for-missouri-business-owners/) - Navigate the complexities of the the Corporate Transparency Act and the BOIR requirements as a Missouri business owner with our handy guide. - [How Businesses Can Prevent Banking Fraud](https://www.callawaybank.com/how-businesses-can-prevent-banking-fraud/) - Fraud prevention is essential to protecting your business banking accounts! Discover how to stay ahead of modern fraudsters with our handy business guide. - [Fraudsters & Encrypted Emails: What You Need to Know](https://www.callawaybank.com/fraudsters-encrypted-emails-what-you-need-to-know/) - Modern fraudsters are using email security tools against users! Review our user-friendly fraud prevention guide to stay safe and protect your banking details. - [2022 Agri-Business of the Year](https://www.callawaybank.com/2022-agri-business-of-the-year/) - The Callaway Bank team was honored to receive the 2022 Agri-Business of the Year Award at the Callaway Chamber of Commerce Town and Country Dinner. - [How Much is Your Information Worth?](https://www.callawaybank.com/whats_your_email_worth/) - Learn about protecting your personal information from hackers and cyber crooks. The Callaway Bank offers security features to keep your account safe. - [Staying Ahead of Fraudsters with Fraud Prevention Enhancement](https://www.callawaybank.com/staying-ahead-of-fraudsters-with-fraud-prevention-enhancement/) - We are proud to announce that we have recently added an enhancement to our fraud prevention tools in our Digital Banking platform. Learn more! - [The Benefits of Shopping Local Ripple Through Communities](https://www.callawaybank.com/the-benefits-of-shopping-local-ripple-through-communities/) - When you shop local before shopping online you create a ripple effect within your community. Your dollars are reinvested between three and six more times. - [What Does FDIC Insured Mean?](https://www.callawaybank.com/what-does-fdic-insured-mean/) - You’ve heard that The Callaway Bank is FDIC insured, but likely never thought about how it affects you. Learn what being FDIC insured means for you. - [A Homeowner’s Guide to Mortgage Mail Fraud in Mid-Missouri](https://www.callawaybank.com/a-homeowners-guide-to-mortgage-mail-fraud-in-mid-missouri/) - Where is all this mortgage spam mail coming from? Find out everything you need to know in this homeowner’s guide. - [New Credit Card Login Portals](https://www.callawaybank.com/new-credit-card-login-portals/) - The online credit card management pages for business and personal credit cards are getting upgraded with improved navigation for your phone. Learn more today. - [A New Integrated Digital Banking Experience](https://www.callawaybank.com/a-new-integrated-digital-banking-experience/) - We're upgrading our online and mobile banking to a completely redesigned and integrated digital banking experience with new tools and enhanced security. - [How to Get The Best Mortgage Rates in Columbia, MO](https://www.callawaybank.com/mortgage-rates-columbia-mo/) - When looking for a mortgage quote in Columbia, MO home seekers should consider the following list of tips for finding the best financing option. - [5 Tips for Making Your Dream Home a Reality](https://www.callawaybank.com/5-tips-for-making-your-dream-home-a-reality/) - Whether renovating your current home or building from the ground up, navigating the finances of homeownership can be daunting. We're with you every step of the way. - [Why a New Home Construction Loan Might Be The Right Build For You](https://www.callawaybank.com/thinking-about-building-a-house-a-construction-loan-helps-bring-it-together/) - Why a construction loan? When the houses on the market don’t measure up to what you’re looking for in a home, building your own can be a great option. - [New eAlert Update](https://www.callawaybank.com/ealerts-update/) - New eAlert Features To Customize Your Banking eAlerts are text messages or emails that alert you to a balance or transaction on your account. We’ve made some improvements to make it easier to set them up and easier to read. New eAlert Options You Can Utilize: You can now set up and manage eAlerts via ## Pages - [Home](https://www.callawaybank.com/) - The Callaway Bank is a local community bank in Missouri that helps improve clients' financial lives and gives back to the communities we serve. Learn more. - [Still Drilling, But Not Scaling? Let’s Fix That](https://www.callawaybank.com/dental-practice-financing/) - Whether it’s upgrading equipment, expanding chairs, or stepping into ownership — growth takes capital, and timing matters. We get dental. We get timelines. We get how to structure financing that actually fuels growth—without slowing you down. Best of all, we’re a community bank that treats you like a neighbor and a friend. Special Dental Financing Options - [Welcome to the Neighborhood!](https://www.callawaybank.com/cxchange-business-2025/) - Let’s build your business together. 0% APR Business Line of Credit(1) When you open a new Business Checking account, you get access to an exclusive offer of 0% APR Business Line of Credit for 6 months to keep your cash flow running strong as you make the switch to bank with us. $500 Account Credits - [Switch Kit](https://www.callawaybank.com/banking/personal-banking/switch-kit/) - The Callaway Bank makes it easy for you to switch banks with our switch kit. We the process hassle-free with five easy steps on how to switch. - [Cash Back Debit Card Account](https://www.callawaybank.com/banking/personal-banking/personal-checking/cash-back-debit-card/) - Whether your purchase is online or in person, your Cash Back Debit Card from The Callaway Bank rewards every swipe or click with 4% (up to $8/month) cash back. - [Ultimate Checking Account](https://www.callawaybank.com/banking/personal-banking/personal-checking/ultimate-checking-account/) - Our Ultimate Checking® Account is the best value with free checks, no ATM fees, and one waived overdraft a year. Get your ultimate checking account today. - ["Welcome to the Neighborhood" Sweepstakes Official Rules](https://www.callawaybank.com/welcome-to-the-neighborhood-sweepstakes-official-rules/) - NO PURCHASE IS NECESSARY TO ENTER OR WIN. To enter: The Callaway Bank is the sponsor of the "Welcome to the Neighborhood" Sweepstakes, which begins at 9:00 a.m. CST April 20, 2026, and ends at 12:00 p.m. CDT May 20, 2026("Sweepstakes Period"). You may enter at any time throughout the Sweepstakes Period until 12:00 p.m. - [Digital Banking User Guides, Videos, and Demo Sites](https://www.callawaybank.com/online-services/digital-banking-video-overview-how-to-use-sneak-peek/) - Find tutorials for all of our digital banking services, including downloading the smartphone application, online bill pay, and personal financial management. - [Welcome to Our Neighborhood!](https://www.callawaybank.com/cxchange-residential-2025/) - These 4 exclusive, limited-time offers have been developed just for YOU as a way for us to welcome you to our community. At The Callaway Bank, you get the Digital Banking tools, solutions, and convenience you’d expect from the big guys — but from your local community bank paired with a team of bankers that - [Personal Savings Accounts and CDs](https://www.callawaybank.com/banking/personal-banking/personal-savings/) - Whatever your reason is to save, it is a wise decision. The Callaway Bank provides several options to help you save and reach your goals! - [Round Up Savings](https://www.callawaybank.com/banking/personal-banking/personal-savings/round-up-savings/) - Turn your everyday purchases into savings! Put saving money on autopilot with a Round Up Savings account. When you use your Callaway Bank debit card for a purchase, we’ll round the amount up to the nearest dollar and transfer the difference to your savings account. It’s like dropping your spare change into a coin jar, - [Callaway Bank Rewards Program - Earn Points Faster](https://www.callawaybank.com/callaway-bank-rewards-program-rules/) - The Callaway Bank offers a rewards program when you open a qualifying account with an active debit card or rewards credit card. Open an account with us today. - [Personal Checking Accounts](https://www.callawaybank.com/banking/personal-banking/personal-checking/) - The Callaway Bank cares about setting you up with a checking account that is right for you. Learn more about the checking services at The Callaway Bank and let us help you find the account that is tailored to your needs. - [Mortgage Center](https://www.callawaybank.com/loans/mortgage-center/) - The Callaway Bank has been helping mid-Missouri families become homeowners for over 160 years. Our lenders can help you find the right home loan for you. - [Farmland / Ag Real Estate](https://www.callawaybank.com/loans/agriculture-lending/farmland/) - The Callaway Bank's team of bankers know Agriculture lending and farm ground. Multiple farmland real estate loans and payment options available! - [Auto Loans](https://www.callawaybank.com/loans/personal-loans/auto-loan/) - Let us guide you through the process so that you know you are getting the best deal and the best rate on your auto loan. - [Free Home Loan Quote](https://www.callawaybank.com/loans/mortgage-center/free-home-loan-quote/) - The Callaway Bank Home Loans. Ready To Own Or Refinance Your Home? Get A Free Home Loan Quote From The Callaway Bank. Available 24/7. - [Zip Codes](https://www.callawaybank.com/zip-codes/) - [Personal Digital Banking - in-app or online!](https://www.callawaybank.com/online-services/personal-online-banking/mobile-app/) - The Callaway Bank mobile app allows you to bank on the go. Download now from your app store! - [Simple Checking Account](https://www.callawaybank.com/banking/personal-banking/personal-checking/simple-checking-account/) - Our basic checking account is a non-interest account that requires no minimum monthly balance and no monthly service charge! Find out more today. - [tcb>Prepaid](https://www.callawaybank.com/banking/personal-banking/tcbprepaid/) - Our tcb>PREPAID card is for those who need payment flexibility but want something other than a checking account. Stop worrying about check cashing fees! - [Personal Credit Cards](https://www.callawaybank.com/loans/personal-loans/personal-credit-cards/) - We offer Advantage, Rewards & Cash Back cards. Let us help you choose the card that's right for you! - [Your Debit Card](https://www.callawaybank.com/banking/debit-cards-new/) - Discover everything you need to know about your debit card and its features. Sign up for a personal checking account at The Callaway Bank today. - [Client Profile: Dr. Lacey](https://www.callawaybank.com/client-profile-dr-lacey/) - Client Profile: Dr. Lacey Building A Dream With The Callaway Bank Dr. Kacey Lacey moved to the Fulton area in 2011 and began her banking journey with the Callaway Bank the following year in 2012. When it came time to secure a home loan, she sat down with Brian Hughes, NMLS #869059 | Commercial - [Holiday Banking Hours](https://www.callawaybank.com/about-us/bank-holiday-closings/) - The Callaway Bank observes all federal holidays. This is the list of the dates and times that all bank locations will be closed due to federal holidays. - [Gold Leaf Interest Checking Account and Club](https://www.callawaybank.com/banking/personal-banking/gold-leaf-club/) - Callaway Bank's Gold Leaf Club is for those who enjoy having a good time. - [Fraud Prevention Center](https://www.callawaybank.com/resources/fraud/) - Preventing fraud is a priority for The Callaway Bank. We go to great lengths to make sure that you are protected and well informed. - [Open a Personal Account](https://www.callawaybank.com/banking/open-an-account/) - If you are ready to open a bank account, visit any one of our eight locations in Mid-Missouri to speak with a personal banker and get started. - [The Callaway Bank Credit Cards](https://www.callawaybank.com/loans/credit-cards/) - At The Callaway Bank, we offer options for your Business and Personal Credit Card needs! Learn more about our custom-tailored financial solutions. - [FUNDS AVAILABILITY POLICY](https://www.callawaybank.com/funds-availability-policy/) - THE CALLAWAY BANK’S FUNDS AVAILABILITY POLICY YOUR ABILITY TO WITHDRAW FUNDS This policy statement applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common - [Pre-qualify for a Business Credit Card](https://www.callawaybank.com/loans/business-loans/bcc/) - Pre-qualify for a Business Credit Card Business Credit Cards from The Callaway Bank are built to fit your business needs! Please take the time to review and save a copy of our Privacy Policy and Terms of Use for your records. - [Signature Line of Credit](https://www.callawaybank.com/loans/personal-loans/signature-line-of-credit/) - The Callaway Bank's Signature Line of Credit gives you the flexibility to borrow what you need without having to reapply each time. - [Opening Your Business Account](https://www.callawaybank.com/banking/business-banking/open-a-business-account/) - Here at The Callaway Bank, we’ll do everything we can to make your business bank account opening process quick and easy. Learn more about Mid-Missouri accounts. - [Business Credit Cards](https://www.callawaybank.com/loans/business-loans/business-credit-cards/) - Our business credit cards come with EVM chip technology and help ensure secure transactions while using your business credit card. Apply with us today! - [Apply Now for a Home Loan](https://www.callawaybank.com/loans/mortgage-center/home-loans/apply-now/) - Our online mortgage application makes is easy to fill out at your own pace. You can apply now and have it completed in about 20 minutes! - [Credit Card Application](https://www.callawaybank.com/credit-card-application/) - The Callaway Bank makes applying for a credit card easy. Simply fill out our online application and a representative will get back to you ASAP - [Business Checking](https://www.callawaybank.com/banking/business-banking/business-checking/) - No matter the size of your business we will work with you to establish a plan that makes sense. Contact us and learn about our business banking services. - [Request a Rate Quote](https://www.callawaybank.com/loans/mortgage-center/home-loans/) - The Callaway Bank is with you for the moments that matter, like buying a home. Submit a loan application online for a quote and a lender will be in touch soon. - [Veteran Home Loans](https://www.callawaybank.com/veteran-home-loans/) - The Callaway Bank supports veterans by waiving the appraisal fee, up to $1,000, for veterans and active military. Let us help you with your home loan today. - [Mortgage Resources](https://www.callawaybank.com/loans/mortgage-center/mortgage-resources/) - Our bankers will be with you every step of the way and available to answer any questions that you may have, or you can check out our helpful resources online! - [Home Equity Loan](https://www.callawaybank.com/loans/mortgage-center/home-equity-loan/) - The Callaway Bank offers home equity loans and lines of credit. They are a great way to pay for major expenses and are usually a better rate than credit cards. - [Client Profile: Hyk Outdoors](https://www.callawaybank.com/hyk/) - Discover how Hyk Outdoors expanded their business with the help of The Callaway Bank’s business banking team. Contact our business banking team to learn more. - [Business Mobile App](https://www.callawaybank.com/online-services/business-online-banking/business-mobile-app/) - The Callaway Bank Business Mobile app allows you to bank on the go. It’s free to download and offers quick access for managing your business accounts. - [Contact Us](https://www.callawaybank.com/contact-us/) - We're glad to help in any way that we can. For any questions or concerns, contact us! - [For Your Community CD Specials](https://www.callawaybank.com/banking/personal-banking/personal-savings/cds-certificate-of-deposit/cd-special/) - Gain flexibility in your savings strategy with the CDs and CD Specials! Contact Us For Current Rates - [Digital Wallets](https://www.callawaybank.com/upgrade/upgrade-digital-wallets/) - We're expanding our digital wallet options beyond Apple, Google, and Samsung Pay to include Garmin and Fitbit Pay. Learn about our digital banking services. - [Youth Entrepreneur Program](https://www.callawaybank.com/loans/business-loans/youth-entrepreneur-program/) - The Callaway Bank is happy and proud to say that we help young entrepreneurs through a specialized loan program specifically designed for student entrepreneurs. - [Prequalify for a Business Loan](https://www.callawaybank.com/loans/business-loans/fast-and-flexible-business-financing/) - Let The Callaway Bank help you take your business to the next level with fast and flexible financing. Equipment loans, Inventory Loans, Real Estate Loans, etc - [Digital Wallets](https://www.callawaybank.com/online-services/digital-wallets/) - Digital Wallet payments via Apple Pay, Android Pay, and Samsung Pay are available with all Callaway Bank Debit and Credit Cards. - [Digital Banking Personal](https://www.callawaybank.com/online-services/personal-online-banking/) - Information on your personal finances is just a click away. Access your online banking portal here or sign up today! - [Money Insights](https://www.callawaybank.com/online-services/personal-online-banking/money-insights/) - Money Insights from The Callaway Bank lets you easily create budgets, categorize and track spending habits, create and track goals, and a whole lot more. - [Personal Banking](https://www.callawaybank.com/banking/personal-banking/) - The Callaway Bank offers Personal Banking Services in Mid-Missouri to help you create all of life's great moments. From buying a home to dinner with friends. - [Personal Banking](https://www.callawaybank.com/banking/personal-banking/) - The Callaway Bank offers Personal Banking Services in Mid-Missouri to help you create all of life's great moments. From buying a home to dinner with friends. - [Community Bank Involvement](https://www.callawaybank.com/about-us/community/) - As an independently owned and operated community bank for over 160 years, we understand the importance of being involved in the communities that we serve. - [Executive Management Team](https://www.callawaybank.com/about-us/people/our-team/) - Our President and CEO, Kim Barnes, began her career with Callaway Bank and continues to innovate in multiple initiatives while giving back to the community. - [President & CEO](https://www.callawaybank.com/about-us/people/president-ceo/) - Kim Barnes leads The Callaway Bank as its President and CEO and has since October 2012. Her career in banking began with The Callaway Bank in 1987. - [Equipment & Machinery Loans](https://www.callawaybank.com/loans/business-loans/equipment-machinery/) - Business loans that are customized to your specific needs. - [Business Loans](https://www.callawaybank.com/loans/business-loans/) - No matter what age or size your business is, we’ve got the resources to help get you where you want to be. Learn more about our business loans. - [Equipment & Implements](https://www.callawaybank.com/loans/agriculture-lending/equipment-machinery/) - The Callaway Bank's team of bankers know farm equipment & machinery lending and farm equipment. They prefer to do business face to face and in the field. - [Crop Loans](https://www.callawaybank.com/loans/agriculture-lending/crops/) - Not just any loan officer understands crops and their challenges. They have to know agriculture and understand its unique demands. The Callaway Bank gets it! - [Livestock](https://www.callawaybank.com/loans/agriculture-lending/livestock/) - Not many loan officers understand livestock and its challenges. They have to know agriculture and understand its unique demands. The Callaway Bank gets it! - [Agriculture Lending](https://www.callawaybank.com/loans/agriculture-lending/) - The Callaway Bank's team of bankers know Agriculture lending: from crops to livestock. See our agricultural loans and contact us today. - [Commercial Real Estate](https://www.callawaybank.com/loans/business-loans/real-estate/) - Investing in commercial real estate can take on many different forms, but working with a knowledgeable lender can make the difference. - [Business Savings | Money Market | CDs](https://www.callawaybank.com/banking/business-banking/business-savings-money-market/) - Whatever your business is saving up for in Mid-Missouri, The Callaway Bank is here to keep your money safe and secure until you're ready to use it. - [The Callaway Bank Debit and Credit Mastercard Program](https://www.callawaybank.com/the-callaway-bank-debit-and-credit-mastercard-program/) - The Callaway Bank offers debit and credit cards through MasterCard. Our cards are accepted worldwide and they feature chip technology for advanced security. - [Thank you For Your Interest In A Business Credit Card](https://www.callawaybank.com/thankyoubuscc/) - A dedicated Business Banking Team member will contact you shortly using your preferred method. We look forward to working with you and your business needs. - [Thank you - Business Lending](https://www.callawaybank.com/thank-you/thank-you-business-lending/) - Thank you for your interest in Callaway Bank's lending options for your business. A banker will contact you shortly using your preferred method! Have a great day. - [Thank you - Business Banking Team](https://www.callawaybank.com/business-banking-contact-confirmation/) - Thank you for contacting the dedicated and local Business Banking Team! We will get in touch with you as soon as possible. - [About Us](https://www.callawaybank.com/about-us/) - Callaway Bank has been putting customers first since 1857. From a small savings account to buying your first home, we are with you for the moments that matter. - [Personal Money Market Accounts](https://www.callawaybank.com/banking/personal-banking/personal-savings/personal-money-market-accounts/) - There are many reasons people want to save. No matter what you're saving for, we're here to help keep your money safe and secure until you're ready to use it. - [Easy Save Savings Account](https://www.callawaybank.com/banking/personal-banking/personal-savings/easy-save-savings-account/) - Saving for the future, even in small amounts can make a big difference. We are here to make it a little bit easier. Check out our new Easy Save Savings Account. - [History Overview](https://www.callawaybank.com/about-us/recent-history/) - Callaway Bank has continued expanding and opening new locations across Missouri. With our online banking and mobile app, our customers can bank from anywhere. - [Contact The Business Banking Team](https://www.callawaybank.com/contact-the-business-banking-team/) - Have questions about The Callaway Bank's business banking services? Contact the business banking team at The Callaway Bank today. - [NuFund Product Images](https://www.callawaybank.com/bk464nufund/) - [Security Statement](https://www.callawaybank.com/security-statement/) - We provide a secure product by employing a firewall system, 256-bit SSL encryption, Access ID/Passwords, multifactor authentication to access online banking. - [Business Banking Client Profiles and Stories](https://www.callawaybank.com/banking/business-banking/business-client-stories/) - We are ready to help you start, grow, or expand your small business in your town. Read our business banking client stories to learn more! - [Client Profile: Hoot Design Co.](https://www.callawaybank.com/hoot/) - As Hoot Design Co. was approaching its tenth anniversary, it experienced a lot. Learn more about how Callaway Bank helped Hoot Design remain successful! - [Client Profile: JB Paint, Tile and Landscaping, LLC](https://www.callawaybank.com/jbpaint/) - Discover how JB Paint, Tile and Landscaping, LLC expanded their business with the help of The Callaway Bank’s business banking team. Contact us today. - [Client Profile: Wishflour Bakery](https://www.callawaybank.com/wishflour/) - Discover how Wishflour Bakery expanded their business with the help of The Callaway Bank’s business banking team. Contact our business banking team today. - [Banking](https://www.callawaybank.com/banking/) - From opening a checking account to starting a business, Callaway Bank is with you for the moments that matter. For all of your banking needs in Mid-Missouri. - [Personal Loans](https://www.callawaybank.com/loans/personal-loans/) - Personal Loans for all of life's moments. Buying your first car, remodeling your home, taking your dream vacation, or covering an unexpected expense. - [Loans](https://www.callawaybank.com/loans/) - We offer a wide range of loan options in the Mid-Missouri area and will work with you to develop a solution specific to your personal or business needs. - [Autobooks - Digital Invoicing, Accept Digital and Card Payments](https://www.callawaybank.com/autobooks-digital-invoicing-accepting-card-payments/) - Get paid on the go! Side Hustle and small business ready. loading... Contact Us! - [Autobooks - Digital Invoicing, Accept Digital and Card Payments](https://www.callawaybank.com/autobooks-digital-invoicing-accepting-card-payments/) - Get paid on the go! Side Hustle and small business ready. loading... Contact Us! - [Autobooks - Digital Invoicing, Accept Digital and Card Payments](https://www.callawaybank.com/autobooks-digital-invoicing-accepting-card-payments/) - Get paid on the go! Side Hustle and small business ready. loading... Contact Us! - [Fraud Alerts and Scams To Avoid](https://www.callawaybank.com/resources/fraud/fraud-alerts-and-scams-to-avoid/) - Protect yourself by knowing what scams are being used to gain access to people’s personal information and money. Contact The Callaway Bank for assistance. - [Fraud Analytics](https://www.callawaybank.com/resources/fraud/fraud-analytics/) - Fraud Analytics scores each transaction on your debit card with a numerical score which indicates the likelihood of the transaction being fraudulent. - [Skip A Loan Payment](https://www.callawaybank.com/loans/personal-loans/skip-a-loan-payment/) - When cash is tight you can skip a loan payment for a small fee. - [The Callaway Kids Bank](https://www.callawaybank.com/banking/personal-banking/personal-savings/callaway-kids-bank/) - Callaway Kids Bank is a program designed to teach children the importance of saving money. Find out how to teach your child valuable skills for the future! - [Travel Alerts](https://www.callawaybank.com/resources/travel-alert/) - If you’ll be traveling outside of Missouri, all you have to do is fill out the form on our site or contact our Customer Care Team for an expedited process. - [Transaction Limitations and Fees](https://www.callawaybank.com/resources/transaction-limitations-and-fees/) - There are different transaction limitations and fees associated with different types of accounts at The Callaway Bank. Call or visit to learn more! - [Personal eStatements](https://www.callawaybank.com/online-services/personal-online-banking/estatements/) - Enroll in The Callaway Bank's personal eStatements via Digital Banking for the same detailed transactions list but without the waste and threat of mail fraud! - [Extended FDIC Coverage](https://www.callawaybank.com/resources/extended-fdic-coverage/) - [SBA Loans](https://www.callawaybank.com/loans/business-loans/sba-loans/) - We have resources to help small businesses get started or expand, which includes Small Business Administration or SBA loans. - [Lost or Stolen Card](https://www.callawaybank.com/resources/lost-or-stolen-card/) - If you have lost your Callaway Bank debit or credit card or believe it has been stolen please call us immediately at 800.446.2265. - [Upgrading Your Banking Experience](https://www.callawaybank.com/upgrade/) - We have completely redesigned our mobile banking experience for better access to information. Learn more about these improvements at The Callaway Bank. - [Account eAlerts and Notifications](https://www.callawaybank.com/online-services/ealerts/) - Signing up for eAlerts is easy and a great way for you to keep in touch with your accounts. Free e-mail and wireless alerts deliver updates about your checking, savings, money market, CDs, and loan accounts directly to your cell phone or e-mail address. Simply log in to online banking to enroll. - [COVID-19 Response and Resource Page](https://www.callawaybank.com/resources/coronavirus/) - We continue to monitor the latest news about the coronavirus (COVID-19). Our highest priorities are the health and safety of our teams and our customers. - [COVID-19 Relief for Business](https://www.callawaybank.com/resources/coronavirus/covid-19-business-resources/) - We take our position as a community bank seriously, and that means helping our clients and neighbors through challenges like the COVID-19 pandemic. - [Digital Banking](https://www.callawaybank.com/online-services/) - The Callaway Bank offers a number of online services to make banking convenient for you. Manage your money through our mobile app and deposit checks on the go. - [Callaway Bank, Columbia MO](https://www.callawaybank.com/callaway-bank-columbia-mo/) - The Callaway Bank has multiple locations in Columbia, MO and offers customers a variety of personal checking, savings, and CD account types. Contact us today. - [First Time Home Buyers](https://www.callawaybank.com/loans/mortgage-center/first-time-home-buyers/) - Shopping around for your first home is an exciting prospect, but it can be intimidating. We're here to help. - [Client Profile: Beth Snyder](https://www.callawaybank.com/banking/business-banking/business-client-stories/1canoe2/) - Learn how The Callaway Bank helped a local, small business owner through several challenges and grow her business in our Case Study. - [Resources](https://www.callawaybank.com/resources/) - The Callaway Bank has a number of online resources to help you learn more about our Rewards Program, Fraud Center, eAlerts and more. - [Payment & Merchant Services Solutions](https://www.callawaybank.com/banking/business-banking/merchant-services-for-business-owners/) - Payment & Merchant Services Solutions Banking with us means you can enjoy options and personalized advice on the best fit for accepting credit cards for payment, terminals, phone/tablet apps, virtual terminals, point-of-sale devices, integration into existing point-of-sale systems, and website integration for YOUR specific business type. Take payments with less stress, no contract, and enjoy - [Business Cash Management Services](https://www.callawaybank.com/banking/business-banking/cash-management-services/) - The Callaway Bank allows you to choose from a variety of services that allow you to maximize your cash flow and better manage your funds in Mid-Missouri. - [Business Digital Banking](https://www.callawaybank.com/online-services/business-online-banking/) - The Callaway Bank's Business Digital Banking is easy, free, secure, and available to you 24/7. Click here to learn more! - [Personal Savings Accounts](https://www.callawaybank.com/banking/personal-banking/personal-savings/personal-savings-account/) - There are a lot of reasons people save. No matter what you're saving for, we're here to help keep your money safe and secure until you're ready to use it. - [Business Banking](https://www.callawaybank.com/banking/business-banking/) - Learn how The Callaway Bank can be your partner for all your business banking needs in Mid-Missouri. We can help your business grow or simply get started. - [Thank you for requesting the First Time Home Buyer Guide!](https://www.callawaybank.com/thank-you/first-time-home-buyer-guide/) - Thank you for requesting the Callaway Bank First Time Home Buyer Guide! Please check your email shortly to download the guide. Back to Previous Page - [Fraudulent Activity Notification](https://www.callawaybank.com/resources/fraud/merchant-breach-information/) - To protect our customers, The Callaway Bank routinely monitors accounts for the potential of fraud. - [Upgrade: Notes for Users of Quickbooks, Quicken, and Other Intuit Programs](https://www.callawaybank.com/upgrade/upgrade-notes-for-quicken-and-quickbooks-users/) - Callaway Bank is upgrading to a new digital banking system! Review your Quicken® or QuickBooks® software, and ensure a smooth transition. - [Join the Team](https://www.callawaybank.com/about-us/join-the-team/) - Interested in working for The Callaway Bank? We are always looking to add energetic, professional, and talented people to our team! View open positions today. - [Virtual Business Banking Account Review](https://www.callawaybank.com/business-banking-virtual-account-review/) - Virtual Business Banking Account Review We're committed to providing solutions that fit the unique needs of your business. Tell us more about your business to get started, and we'll be in contact. Here's a glimpse of a few business banking solutions offered at The Callaway Bank: Business Digital Banking: A full suite of solutions online - [What To Do If Your Identity Is Stolen](https://www.callawaybank.com/resources/fraud/what-to-do-if-your-identity-is-stolen/) - If you believe your identity has been stolen, you need to get in contact with a Callaway Bank associate immediately. Call 800.446.2265. - [Consumer Tips: Fraud Protection](https://www.callawaybank.com/resources/fraud/fraud-protection-tips/) - Tips for fraud prevention, data breach and identity theft protection, account takeover and when personal and sensitive information is compromised. - [Consumer Tips: Fraud Protection](https://www.callawaybank.com/resources/fraud/fraud-protection-tips/) - Tips for fraud prevention, data breach and identity theft protection, account takeover and when personal and sensitive information is compromised. - [Upgrade: Digital Banking](https://www.callawaybank.com/upgrade/upgrade-digital-banking/) - Learn about the upgraded digital banking experience at The Callaway Bank. The upgrade includes new features, tools, and enhanced security. - [Upgrade: Business Cash Management](https://www.callawaybank.com/upgrade/business-cash-management/) - The Callaway Bank has updated our whole array of business banking tools. Learn more about The Callaway Bank's digital cash management services. - [Fraud and Identity Theft Protection](https://www.callawaybank.com/resources/fraud/fraud-and-identity-theft-protection/) - Because we care about your security at The Callaway Bank, we provide helpful tips to protect against identity theft and fraud. - [CDs (Certificate of Deposit)](https://www.callawaybank.com/banking/personal-banking/personal-savings/cds-certificate-of-deposit/) - With competitive interest rates, Callaway Bank CD’s are a great way to invest and earn on your money. Contact The Callaway Bank today to learn more about CDs. - [How To Read Your Escrow Analysis Statement](https://www.callawaybank.com/loans/mortgage-center/how-to-read-your-escrow-analysis-statement/) - An escrow analysis is a review of your escrow account to ensure enough funds are collected. Learn how to ready your escrow analysis at The Callaway Bank. - [Timeline of Our History](https://www.callawaybank.com/about-us/history-timeline/) - As the oldest, independent community bank in Missouri, we combine values like fairness, respect, and honesty with modern day banking products and services. - [Personal Mobile Check Deposit](https://www.callawaybank.com/online-services/personal-online-banking/mobile-app/personal-mobile-check-deposit/) - The Callaway Bank's personal mobile check deposit is an easy, fast, and secure way to deposit your checks on the go. - [Online Bill Pay](https://www.callawaybank.com/online-services/online-billpay/) - Save checks and time by setting up automatic bill payments through our easy-to-use Online Bill Pay interface. Just another great feature of Callaway's online banking and another way that we add convenience to our customer's lives. - [Health Savings Account](https://www.callawaybank.com/banking/personal-banking/personal-savings/health-savings-account/) - A Health Savings Account allows you to set aside a portion of your paycheck into to help pay for medical expenses owed. Open your health savings account today. - [Order Checks](https://www.callawaybank.com/banking/order-checks/) - The Callaway Bank partners with Harland Clarke to provide checks to our customers. Current customers can reorder a previous order of checks online. - [Upgrade: New App!](https://www.callawaybank.com/upgrade/upgrade-new-app/) - Our new app is easy to use and fully integrates into our banking system, meaning it delivers the same functionality as online banking from a desktop computer. - [SBA Loan Contact Us](https://www.callawaybank.com/sba-loan-contact-us/) - Interested in small business lending through The Callaway Bank? Contact us today to learn more about our small business lending and SBA loan services. - [Benefits](https://www.callawaybank.com/about-us/benefits/) - Interested in joining our team? The Callaway Bank offers competitive wages, commensurate with previous experience. Submit your resume today! - [eStatements for Businesses](https://www.callawaybank.com/online-services/business-online-banking/estatements/) - The Callaway Bank makes it easy for customers with a business account to enroll for eStatements. Simply enroll by contacting our customer care team by phone or email. - [BUSINESS ACCOUNT COMMON FEES](https://www.callawaybank.com/business-account-common-features/) - At Callaway Bank, our business banking accounts are some of the most sought after in Mid-Missouri. See the business account features that assist your business. - [Terms of Use](https://www.callawaybank.com/terms-of-use/) - The Callaway Bank\'s Terms of Use apply to your use of this website. By visiting/using this site, you accept these terms & any revisions to this site’s terms of use. - [Privacy Policy](https://www.callawaybank.com/privacy-policy/) - Protecting your privacy is important to The Callaway Bank. We want you to understand what information we collect and how we use it. - [Business Remote Check Deposit](https://www.callawaybank.com/banking/business-banking/remote-check-deposit/) - Deposit checks for your business anywhere, anytime with Remote Check Deposit. With Remote Deposit, you have the ability to deposit checks from your smart devices! - [Customer Care eAlert Setup](https://www.callawaybank.com/customer-care-ealert-setup/) - [Our Staff](https://www.callawaybank.com/about-us/people/) - For more than 160 years The Callaway Bank has stood the test of time but only because of the people that work here. View our staff and departments today! - [Senior Management](https://www.callawaybank.com/about-us/people/senior-management/) - Meet our Senior Management Callaway Bank Team! - [Branch Managers](https://www.callawaybank.com/about-us/people/personal-loan-lenders/) - At The Callaway Bank, bank managers take pride in serving the communities which they reside and play a special role in helping our business to always succeed. - [Commercial Lenders](https://www.callawaybank.com/about-us/people/commercial-lenders/) - Our commercial lenders want to help you get to where you want to be. Our lenders offer a variety of services in issuing a loan while keeping your goals in mind. - [Mortgage Lenders](https://www.callawaybank.com/about-us/people/mortgage-lenders/) - Callaway's mortgage lenders are with you for the moments that matter: like buying a home! Our lenders have expertise in many home loan products. - [Personal Bankers](https://www.callawaybank.com/about-us/people/personal-bankers/) - The Callaway Bank's personal bankers are here to provide banking services for the moments that matter. Open a checking account or discuss a credit card today! - [Business Bankers](https://www.callawaybank.com/about-us/people/business-bankers/) - Learn how The Callaway Bank can be your partner for all your Business Banking needs. - [Auto Loan Lenders](https://www.callawaybank.com/about-us/people/auto-loan-lenders/) - Whether you're buying your first car or already made your big purchase, the Callaway Bank's Auto Loan Lenders can help you to evaluate your options. - [Business Coaching Registration](https://www.callawaybank.com/callaway-business-coaching-registration/) - [Record Retention Guidelines](https://www.callawaybank.com/resources/record-retention-guidelines/) - A guideline for how long you must retain records and important documents - [Agricultural Lenders](https://www.callawaybank.com/about-us/people/agricultural-lenders/) - The Callaway Bank offers farmers and ranchers the agricultural financing they need to fulfill their dreams. See our Agricultural Lenders today! - [Your Property FAQs](https://www.callawaybank.com/loans/mortgage-center/mortgage-resources/your-property/) - There are many factors that go into determining the value of a property. The more informed you are about the process, the easier it will be. - [Your Application FAQs](https://www.callawaybank.com/loans/mortgage-center/mortgage-resources/your-application/) - Applying for a mortgage can be very intimidating. You are asked a lot of specific questions and it is required that you provide a lot of personal information. - [Loan Programs, Rates & Fees FAQs](https://www.callawaybank.com/loans/mortgage-center/mortgage-resources/loan-programs-rates-fees/) - When it comes to home financing and home loans, there are many different options. We are happy to help provide you with information that makes the process easy. - [Closing & Beyond FAQs](https://www.callawaybank.com/loans/mortgage-center/mortgage-resources/closing-beyond/) - It's easy to overlook important steps when you're so close to the finish line. Take a look at our FAQs to ensure that you and informed when closing a loan. - [Business Mobile App Software Requirements](https://www.callawaybank.com/online-services/business-online-banking/business-mobile-app/business-mobile-app-software-requirements/) - The Callaway Mobile Banking App, requires minimum operating software installed. We list out the specific software requirements for every type of phone. - [CKB Coloring Pages](https://www.callawaybank.com/banking/personal-banking/personal-savings/callaway-kids-bank/ckb-coloring-pages/) - We love servings kids at The Callaway Bank, too! CKB coloring pages are just one of the ways that we make this program more fun for everyone involved. ## Timeline Stories - [Civil War Threatens Bank's Gold](https://www.callawaybank.com/cool_timeline/civil-war-threatens-banks-gold/) - The Callaway Bank celebrates 165 years in business in 2022. Learn about the history of the bank and how the Civil War impacted gold reserves. - [The Callaway Bank 165th Anniversary](https://www.callawaybank.com/cool_timeline/the-callaway-bank-165th-anniversary/) - The Callaway Bank celebrates 165 years in business in 2022. The bank is the oldest independent bank west of the Mississippi River. - [Lake of the Wood Branch Opens](https://www.callawaybank.com/cool_timeline/lake-of-the-wood-branch-opens/) - We celebrated 150 years serving Mid-Missouri as an independent community bank in 2007. Our Lake of the Woods, the third Columbia location, was opened as part of this milestone. - [World War 1](https://www.callawaybank.com/cool_timeline/world-war-1/) - World War I. - [The Civil War Begins](https://www.callawaybank.com/cool_timeline/the-civil-war/) - The Civil War - [Original Building Destroyed by Fire](https://www.callawaybank.com/cool_timeline/original-building-destroyed-by-fire/) - The building that the bank had occupied since 1868 was destroyed by fire. Two new buildings have been constructed on the site since that time. - [Man Landed on The Moon](https://www.callawaybank.com/cool_timeline/man-landed-on-the-moon/) - The Apollo 11 Lunar Module lands on the moon. - [The Callaway Bank Receives its Current Name](https://www.callawaybank.com/cool_timeline/the-callaway-bank-receives-its-current-name/) - Having been previously reorganized as the Callaway County Savings Bank, The Callaway Bank receives it new and current standing name. - [First Bank Established in Callaway County](https://www.callawaybank.com/cool_timeline/fulton-branch-western-bank-of-missouri-opens/) - Founded January 1, 1857. Known as the “Fulton Branch, Western Bank of Missouri,” it was not actually a branch, as all stock owners and officers were local. - [Southern Fulton Branch Opened](https://www.callawaybank.com/cool_timeline/southern-fulton-branch-opened/) - South Bank in Fulton opens. - [Ashland Branch Opened April 17, 2015](https://www.callawaybank.com/cool_timeline/ashland-branch-opened/) - The Callaway Bank rounds out its eighth banking office with a new bank in Ashland, Mo. - [The Callaway Bank Expands to 2nd Columbia Branch](https://www.callawaybank.com/cool_timeline/the-callaway-bank-expands/) - The Callaway Bank follows the original Columbia branch by opening its second facility at 3200 West Broadway, Columbia. - [Stock Market Crash](https://www.callawaybank.com/cool_timeline/stock-market-crash/) - 1929 Stock Market Crash that began The Great Depression also known as Black Tuesday - [The Callaway Bank Settles into Columbia](https://www.callawaybank.com/cool_timeline/the-callaway-bank-settles-into-columbia/) - The first facility is opened in Columbia at 1600 Chapel Hill Road - [The Callaway Bank Merges with Steedman Bank](https://www.callawaybank.com/cool_timeline/the-callaway-bank-merges-with-steedman-bank/) - The 2 banks merge to replace services lost to Mokane residents during the disastrous Missouri River flood of the same year. - [Drive-in Banking Brought to Fulton](https://www.callawaybank.com/cool_timeline/drive-in-banking-brought-to-fulton/) - The Callaway Bank brought drive-in banking to Fulton with its first separate downtown facility. - [The Callaway Bank Survives The Great Depresssion](https://www.callawaybank.com/cool_timeline/the-callaway-bank-survives-the-great-depresssion/) - Only 2 banks in Callaway County survived The Great Depression, one of which was The Callaway Bank. ## FAQ - [What are the fees involved?](https://www.callawaybank.com/faq/what-are-the-fees-involved-2/) - The fees for Business Banking Online are: Access to account balances, history, transfers is FREE! ACH – $6.00 per file $.12 per item. Additional fees may apply. Wires – Outgoing Domestic – $20.00 For more common fees Click Here - [How do I sign up for Business Banking Online?](https://www.callawaybank.com/faq/how-do-i-sign-up-for-business-banking-online/) - Please contact our dedicated Business Banking Team: Email: BusinessTeam@CallawayBank.com OR Phone: (573) 592-6390; Monday - Friday 8:00am - 6:00pm. We will customize your Business to your specific business needs. - [Can I change my Username and Password?](https://www.callawaybank.com/faq/can-i-change-my-access-id-and-password-2/) - Yes. The first time you Log In you are asked to change Password to one of your own choosing. The Password must be between 8 and 12 characters and include a number, a special character, and both an upper and lower-case letter. Username and Passwords can be changed via your digital profile. Locate your name - [Can I transfer funds from Business accounts at The Callaway Bank to another financial institution?](https://www.callawaybank.com/faq/can-i-transfer-funds-from-business-accounts-at-the-callaway-bank-to-another-financial-institution/) - Yes, the business banking team can help you with the process and assist with obtaining approvals, if applicable. - [What accounts may I access through Business Banking Online?](https://www.callawaybank.com/faq/what-accounts-may-i-access-through-business-banking-online/) - You will be able to access business checking, savings, CD’s, and loans you are authorized to use on behalf of the business. It’s important to keep your login information private. - [Who can’t I pay with Bill Pay?](https://www.callawaybank.com/faq/who-cant-i-pay-with-bill-pay-2/) - You’ll use Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Bill Pay to send payments to addresses outside the United States. We don’t recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discouraged and are scheduled - [How does a company or person receive my Bill Pay payment?](https://www.callawaybank.com/faq/how-does-a-company-or-person-receive-my-payment-2/) - We send payments electronically whenever possible. We send electronic payments to thousands of companies across the U.S. every day. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info: Your Name and Address; the company or person’s name - [When is the money for the Bill Pay payment withdrawn from my account?](https://www.callawaybank.com/faq/when-is-the-money-for-the-payment-withdrawn-from-my-account-2/) - If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, - [Are my Bill Pay payments guaranteed?](https://www.callawaybank.com/faq/are-my-payments-guaranteed-2/) - With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays. The payments guarantee applies when all the payment and contact info provided is accurate. - [What should I do if I can’t remember my PIN for my debit card?](https://www.callawaybank.com/faq/what-should-i-do-if-i-cant-remember-my-pin-for-my-debit-card/) - To reset your PIN, call the automated system at 877-965-3344. - [Can I increase the limit on my debit card?](https://www.callawaybank.com/faq/how-do-i-increase-the-daily-spending-limit-on-my-debit-card/) - Please contact our Customer Care Team at 573-642-3322, 573-447-1771, or 800-446-2265 Monday - Friday 7:00 a.m. - 1:00 a.m.; Saturday 8:00 a.m. - 2:00 p.m. - [How do I know I’m at the valid Digital Banking site for The Callaway Bank?](https://www.callawaybank.com/faq/how-do-i-know-im-at-the-valid-online-banking-site-for-the-callaway-bank/) - Our Digital Banking site is a separate, secure website that lets you manage your accounts and transactions any time of day. Different browsers have different symbols to show that you're connected through a secure, encrypted connection. First please always make sure the site is a secure site. Check for a HTTPS:// site name and a - [Can I access Digital Banking from multiple computers?](https://www.callawaybank.com/faq/can-i-access-online-banking-from-multiple-computers/) - Yes, you can access Digital Banking from any number of computers. If you log in from a computer that you haven’t used for Digital Banking before, you will need to go through the verification by text or phone and successfully answer a security question. You can register as many PCs as you like, but we - [How do I login to Digital Banking?](https://www.callawaybank.com/faq/how-do-i-login-to-online-banking/) - -Click on Login Menu in the top right corner of any The Callaway Bank web page. Click the drop down and select Digital Banking. - [What do I need to be able to use Callaway Bank Digital Banking?](https://www.callawaybank.com/faq/what-do-i-need-to-be-able-to-use-callaway-bank-online/) - You need an eligible account at The Callaway Bank. This could be a checking, savings, CD, or loan. You need internet access provided by an ISP (Internet Service Provider) from home, school, work, the library, or anywhere else. You will need a secure version of browser software – we recommend using the most current up-to-date version - [When may I use Callaway Bank Digital Banking?](https://www.callawaybank.com/faq/when-may-i-use-callaway-bank-online/) - Anytime you want! 24 hours a day, 7 days a week. There may be infrequent times when digital banking is unavailable due to system maintenance. We try to plan these for late night or early morning. If the site will be down during the day due to maintenance, we’ll post a notice on our website - [How secure is Callaway Bank Digital Banking?](https://www.callawaybank.com/faq/how-secure-is-callaway-bank-online/) - Callaway Bank Digital Banking is very secure. We use the latest industry-approved security technologies to protect your information, including password-controlled system entry, a digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and a firewall to control the traffic coming in and going out of our system. Additional information is - [What accounts may I access through Digital Banking?](https://www.callawaybank.com/faq/what-accounts-may-i-access-through-callaway-bank-online/) - When you enroll, we automatically give you online access to your checking, savings, CD’s, loans, and safe deposit box. You may only access the accounts you own, so it’s important to keep your login information private. If there are other accounts you own that don’t show up on Callaway Bank Online, contact us to see - [How do I sign up for Digital Banking?](https://www.callawaybank.com/faq/how-do-i-sign-up-for-callaway-bank-online/) - If you have an eligible account, click on “Digital Banking” underneath the Login Menu on the upper right side of our home page. Click “Sign Up” link. Here you will be asked if you already have an account, or if you would like to open a new account. Choose “I Already Have An Account” and - [What is Bill Pay, and how do I sign up?](https://www.callawaybank.com/faq/what-is-bill-pay-and-how-do-i-sign-up/) - The Callaway Bank Online bill pay allows you to manage your payments to various companies — all in one place. You can even set up payments to occur in the future or to be made as recurring payments (i.e. every month, every week, or every two weeks). So, no more worrying about paying bills while - [Can I export my account information to Quicken® or Quickbooks® or other software?](https://www.callawaybank.com/faq/can-i-export-my-account-information-to-quicken-or-quickbooks-or-other-software/) - Yes. You can export transaction information in a choice of formats, CSV, Quicken® - QFX, QuickBooks® - QBO, BAI2 or PDF/Print. Check your software’s documentation to determine which format is appropriate. - [Can I export my account information?](https://www.callawaybank.com/faq/can-i-export-my-account-information/) - Yes. You can export transaction information in a choice of formats, CSV, Quicken® - QFX, QuickBooks® - QBO, BAI2 or PDF/Print. Check your software’s documentation to determine which format is appropriate. - [Can I change my Username and Password?](https://www.callawaybank.com/faq/can-i-change-my-access-id-and-password/) - Username and Passwords can be changed via your digital profile. Locate your name at the top-left portion of the screen, tap and select "Manage Profile". You should change your password anytime you believe it has been compromised, and you should always keep it private. For assistance you can reach out to the customercare@callawaybank.com or call - [What accounts can I access with the Callaway Bank Mobile Banking App?](https://www.callawaybank.com/faq/what-accounts-can-i-access-with-the-callaway-bank-mobile-banking-app/) - The Mobile Banking App provides the same access as you have now on Callaway Bank Digital Banking, including personal and small business checking, savings, loan, cd's and line of credit accounts. - [What do I need to get started?](https://www.callawaybank.com/faq/what-do-i-need-to-get-started/) - Be enrolled in and have access to The Callaway Bank Digital 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, customercare@callawaybank.com, or your personal banker at one of our facilities. - [What is Bill Pay, and how do I sign up?](https://www.callawaybank.com/faq/what-is-bill-pay-and-how-do-i-sign-up-2/) - The Callaway Bank Online bill pay allows you to manage your payments to various companies — all in one place. You can even set up payments to occur in the future or to be made as recurring payments (i.e. every month, every week, or every two weeks). So, no more worrying about paying bills while - [Who has access to my eStatements?](https://www.callawaybank.com/faq/who-has-access-to-my-estatements/) - Only the owners and signers on your account who are enrolled in digital banking and eStatements. - [If my spouse enrolls our account in eStatements, how do I access my statement?](https://www.callawaybank.com/faq/if-my-spouse-enrolls-our-account-in-estatements-how-do-i-access-my-statement/) - Enroll in eStatements in digital banking and you’ll have access too. - [Who receives the email notification that an eStatement is ready?](https://www.callawaybank.com/faq/who-receives-the-email-notification-that-an-estatement-is-ready/) - Consumer accounts: Anyone with access to the account who has enrolled in online banking, and who has provided a valid email address. Business accounts: Only the designated owner’s email. - [What types of accounts are available in eStatement form?](https://www.callawaybank.com/faq/what-types-of-accounts-are-available-in-estatement-form/) - Checking, Savings, Money Markets and Loans are all available in an eStatement. CDs are only available if they are on combined statement with a Checking, Savings, or Money Market. - [How do I activate my card?](https://www.callawaybank.com/faq/how-do-i-activate-my-card/) - You may activate your card by logging into Digital Banking and then go to Manage Cards, you will see the last 4 of the new card number and it will state "Activation Required", click on the card and then click on Activate, you may also activate your new card by calling 877.965.3344. - [What if I have bills automatically paid via my debit card?](https://www.callawaybank.com/faq/what-if-i-have-bills-automatically-paid-via-my-debit-card/) - If you receive a new debit card due to being lost or stolen, your new card will have a completely new number. It is important that you contact those companies who bill your debit card and give them your new number. If you do not, they may charge you a late fee because they could - [When will I get my chip card?](https://www.callawaybank.com/faq/when-will-i-get-my-chip-card/) - All Callaway Bank personal, prepaid and business debit cards have the chip technology. If you have misplaced or never received your new debit card, please contact Customer Care Team at 800.446.2265 Monday - Friday 7:00 a.m. - 1:00 a.m.; Saturday 8:00 a.m. - 2:00 p.m. All customers who open a new checking or prepaid account - [Is there a fee to participate?](https://www.callawaybank.com/faq/how-much-does-it-cost-to-participate/) - There is no fee to enroll in Callaway Bank Rewards; if fact, if you have an Ultimate Checking, Business Checking, and/or Commercial Checking account with an active Callaway Bank debit card, and/or a Rewards Credit Card, you are automatically enrolled! - [What if my card is lost or stolen?](https://www.callawaybank.com/faq/what-if-my-card-is-lost-or-stolen/) - Lost or stolen card? Learn what to do in the event that your debit or credit card from The Callaway Bank was lost or stolen. - [If I want to receive eAlerts, do I have to download the mobile app?](https://www.callawaybank.com/faq/do-i-have-to-use-the-mobile-banking-app-if-i-only-want-to-receive-the-text-alerts/) - You can setup eAlerts through the desktop access or via the mobile app. For step by step instructions go to our interactive guide: https://mcompany.cld.bz/The-Callaway-Bank-Digital-Banking-Guide/74/ - [What should I do if I have lost my debit card?](https://www.callawaybank.com/faq/what-should-i-do-if-i-have-lost-my-debit-card/) - You can shut your debit card off by using online and mobile banking, click here for step-by-step instructions. You can also contact our Customer Care Team at 573-642-3322, 573-447-1771, or 800-446-2265 or visit your nearest bank lobby to close the lost debit card. For after-hours lost or stolen debit cards, call 844-202-5333 so that your - [How do I transfer funds between accounts?](https://www.callawaybank.com/faq/how-do-i-transfer-funds-between-accounts/) - You can transfer funds between your Callaway Bank accounts by using Digital Banking. For a step-by-step guide Click Here. To transfer funds between The Callaway Bank and other financial institutions Click Here. You can also contact us, or visit any bank lobby for additional assistance. - [How do I dispute a charge on my account?](https://www.callawaybank.com/faq/how-do-i-dispute-a-charge-on-my-account/) - Call 800-446-2265 and our Customer Care Team will be happy to help you dispute your fraudulent activity. They are open Monday-Friday 7:00 a.m. - 1:00 a.m.; Saturdays 8:00 a.m. - 2:00 p.m. You can also visit any lobby, and we will walk you through the process of disputing fraudulent activity. - [What happens if I forget my password or get locked out of the system?](https://www.callawaybank.com/faq/what-happens-if-i-forget-my-password-or-get-locked-out-of-the-system-2/) - We employ the “three strikes and you’re out” method, so if you type your password incorrectly you may become locked out. Contact your TCB Business Team for assistance. If your business administrator is unavailable, you may contact our Customer Care Team at 573-642-3322, 573-447-1771, or 800-446-2265 Monday-Friday 7:00 a.m.- 1:00 a.m.; Saturday 8:00 a.m. - - [What if I switch mobile carriers or purchase a new device? Will my eAlerts continue?](https://www.callawaybank.com/faq/what-if-i-switch-mobile-carriers-and-purchase-a-new-device/) - If your mobile number doesn’t change, your eAlerts will continue without interruption. If your mobile number changes, please contact Customer Care to update your information. - [How do I add my Callaway Debit Card to my Digital Wallet?](https://www.callawaybank.com/faq/how-do-i-add-my-callaway-debit-card-to-my-digital-wallet/) - Load your Callaway Bank Debit Card to your Mobile Wallet compatible device using Apple Pay©, Google Pay™, Samsung Pay™, Garmin Pay™, Fitbit Pay™ Repeat this simple process for all devices and payment options you want to use Mobile Wallet, including your smartwatch and phone. The verification process is completed and you're all done! - [What is an appraisal and who completes it?](https://www.callawaybank.com/faq/what-is-an-appraisal-and-who-completes-it/) - To determine the value of the property you are purchasing or refinancing, an appraisal will be required. An appraisal report is a written description and estimate of the value of the property. National standards govern not only the format for the appraisal; they also specify the appraiser's qualifications and credentials. In addition, most states now - [Tell me more about closing fees and how they are determined.](https://www.callawaybank.com/faq/tell-me-more-about-closing-fees-and-how-they-are-determined/) - A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes. These fees vary from state to state and also from lender to lender. Any lender or broker should be able to give you an estimate of their fees, but it is more difficult to - [How much money will I save by choosing a 15-year loan rather than a 30-year loan?](https://www.callawaybank.com/faq/how-much-money-will-i-save-by-choosing-a-15-year-loan-rather-than-a-30-year-loan/) - A 15-year fixed rate mortgage gives you the ability to own your home free and clear in 15 years. And, while the monthly payments are somewhat higher than a 30-year loan, the interest rate on the 15-year mortgage is usually a little lower, and more important - you'll pay less than half the total interest - [What is an adjustable rate mortgage?](https://www.callawaybank.com/faq/what-is-an-adjustable-rate-mortgage/) - An adjustable rate mortgage, or an "ARM" as they are commonly called, is a loan type that offers a lower initial interest rate than most fixed-rate loans. The tradeoff is that the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly. Against the - [What happens at the loan closing?](https://www.callawaybank.com/faq/what-happens-at-the-loan-closing/) - The closing will usually take place at one of our branches or occasionally at the office of a title company or attorney in your area who will act as our agent. During the closing, you will be reviewing and signing several loan papers. Your loan officer or one of our team members will be there - [How secure is Business Banking Online?](https://www.callawaybank.com/faq/how-secure-is-business-banking-online/) - Business Banking Online is very secure. We use the latest industry-approved security technologies to protect your information, including a firewall system using the latest TLS encryption, Username, Passwords, and multifactor authentication points of validation such as out of band authentication (OOBA) Security Access Codes and security questions. Additional information is available under “Security Statement”. Contact - [If I have additional questions, whom do I contact?](https://www.callawaybank.com/faq/if-i-have-additional-questions-whom-do-i-contact/) - Customer Care Team at 573.642.3322, 573.447 1771 or 800.446.BANK (2265); Monday - Friday 7:00 a.m. - 1:00 a.m.; Saturday 8:00 a.m. - 2:00 p.m. or e-mail us at customercare@callawaybank.com. - [How do I order checks?](https://www.callawaybank.com/faq/how-do-i-order-checks-for-the-first-time/) - Reorder checks online, contact the Customer Care Team, Monday - Friday 7:00 a.m. - 1:00 a.m.; Saturday 8:00 a.m. - 2:00 p.m., or drop off your check reorder slip (located on the top of your book of checks) at any bank lobby location. If you have never ordered checks, please contact us and we'll get you - [Can I deposit checks into more than one account?](https://www.callawaybank.com/faq/can-i-deposit-checks-into-more-than-one-account/) - 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. - [What happens if I forget my password or get locked out of the system?](https://www.callawaybank.com/faq/what-happens-if-i-forget-my-password-or-get-locked-out-of-the-system/) - We employ the “three strikes and you’re out” method so if you type your password incorrectly three times, you will become locked out. Contact our Customer Care Team at 573-642-3322, 573-447-1771, or 800-446-2265 Monday-Friday 7:00 a.m. - 1:00 a.m. or Saturday 8:00 a.m. - 2:00 p.m. or e-mail us at customercare@callawaybank.com. - [Who do I call for more information?](https://www.callawaybank.com/faq/who-do-i-call-for-more-information/) - Please call our Callaway Bank Rewards Service Center at 877-446-7937 - [What happens when I deposit my check?](https://www.callawaybank.com/faq/what-happens-when-i-deposit-my-check/) - 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 - [Are there limits to how much I can deposit via mobile check deposit?](https://www.callawaybank.com/faq/are-there-limits-to-how-much-i-can-deposit-via-mobile-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. - [If I delete an account, what happens to pending or scheduled transactions?](https://www.callawaybank.com/faq/if-i-delete-an-account-what-happens-to-pending-or-scheduled-transactions/) - Deleting an account cancels all pending payments and other transactions from the account. The following transactions are canceled: pending payments, incoming eBills, AutoPay payments, AutoPay payments for eBills, scheduled and repeating transfers, and P2P payments. - [How does a company or person receive my payment?](https://www.callawaybank.com/faq/how-does-a-company-or-person-receive-my-payment/) - We send payments electronically whenever possible but some payments are sent via a check. We send electronic payments to thousands of companies across the U.S. every day. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. The check contains the following info: Your - [Who is eligible for eAlerts?](https://www.callawaybank.com/faq/who-is-eligible-for-ealerts-or-text-banking/) - All accounts are eligible to use eAlerts. - [Are eAlerts safe?](https://www.callawaybank.com/faq/is-ealerts-and-text-banking-safe/) - Yes, security is taken care of with the latest industry standards in encryption and authentication. - [Will the eAlerts sent to my device contain any identifying information?](https://www.callawaybank.com/faq/will-the-ealerts-or-text-messages-sent-to-my-device-contain-any-identifying-information/) - No, the eAlerts you receive will only contain the last four digits of your account number or the nickname of your account(s). - [Is there a fee for eAlerts?](https://www.callawaybank.com/faq/is-there-a-fee-to-use-ealerts-or-two-way-text-banking-service/) - No, The Callaway Bank does not charge a fee for eAlerts. However, some mobile carriers charge a fee for texting, so please contact your mobile provider regarding fees for text messaging. - [How do I enroll in eAlerts with the Mobile App?](https://www.callawaybank.com/faq/how-do-i-enroll-in-ealerts-or-text-banking/) - From your Mobile Banking app, simply log in and click MANAGE ALERTS from the main menu. Next, tap the "+" next to "My Alerts", followed by CUSTOM. Choose the account you want to set up eAlerts for from the drop-down menu and complete the details, including how you want to be alerted (Email, Text, or - [What type of eAlerts can I set up?](https://www.callawaybank.com/faq/what-type-of-ealerts-can-i-set-up/) - Receive an email or text for the following account changes: Available Balance Check Cleared Debit Deposit Failed Transaction High Balance Low Available Balance Low Balance NSF Items Today Online Transfer Pending ACH Stop Payment - [Can I change my challenge questions?](https://www.callawaybank.com/faq/can-i-change-my-challenge-questions/) - Yes, after logging in, select MANAGE PROFILE, then CHANGE SECURITY QUESTIONS. SAFETY TIP: The Callaway Bank will never ask you to divulge or change your private information, and we will never change it for you. - [How do I sign up for Callaway Bank Rewards?](https://www.callawaybank.com/faq/how-do-i-sign-up-for-callaway-bank-rewards/) - You are automatically enrolled in the Callaway Bank Rewards program! To register or shop visit callawaybankrewards.com. See full details. - [What account types are eligible for mobile check deposit?](https://www.callawaybank.com/faq/what-account-types-are-eligible-for-mobile-check-deposit/) - Checking, Savings, Prepaid, and Money Market accounts. - [What is the cost to use this service?](https://www.callawaybank.com/faq/what-is-the-cost-to-use-this-service/) - 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 - [Can I continue to use my checks?](https://www.callawaybank.com/faq/can-i-continue-to-use-my-checks/) - Yes! Checks remain valid because account numbers are remaining the same. - [How do I place a stop on a check?](https://www.callawaybank.com/faq/how-do-i-place-a-stop-on-a-check-or-debit-payment/) - Call 800-446-2265 or stop by any bank lobby location. If you need to stop a check payment you will need to know the following information: Amount on the check Date on the check Number of the check Who the check was made out to - [How do I earn points?](https://www.callawaybank.com/faq/how-do-i-earn-points/) - You earn one point for every four dollars ($4) you spend with your debit card and one point for every one dollar ($1) with your credit card. You can also earn points for signing up for online banking when you sign for a loan or open a savings account! Visit the Earning Points page or - [What types of transactions can I receive eAlerts for?](https://www.callawaybank.com/faq/what-types-of-transactions-can-i-receive-ealerts-for/) - You can have a Transaction alert set up for any of the following transaction types: debit card, checks (includes checks and ACH’s), wires and deposits incoming and/or outgoing, or choose all categories for alerts on all options. Debit Cards include purchases, ATM withdrawals, and ATM deposits Checks include written/deposited and withdrawals, in-branch, and ACH payments - [What are eAlerts?](https://www.callawaybank.com/faq/what-are-ealerts/) - eAlerts are electronic alerts that will keep you updated with an email or text based on your preferences. - [How do I manage my points?](https://www.callawaybank.com/faq/how-do-i-manage-my-points/) - Reward members will receive an annual print statement, or you can register online for a monthly Callaway Bank Rewards eStatement. Your current points balance is always available online, simply register at www.callawaybankrewards.com or by calling 877-446-7937. - [What is Callaway Bank Rewards?](https://www.callawaybank.com/faq/what-is-callaway-bank-rewards/) - Callaway Bank Rewards is our way of saying “Thank You” for your business. It’s a unique program that rewards you with points for your entire relationship with The Callaway Bank – whether you save, or borrow, or make purchases using your qualifying Callaway Bank Account. - [Do businesses qualify to participate?](https://www.callawaybank.com/faq/do-businesses-qualify-to-participate/) - Absolutely! Businesses just need to have a Business or Commercial Checking Account with a Callaway Bank Business Debit or Rewards Credit Mastercard in order to earn rewards. - [Where can I see all of my gift options?](https://www.callawaybank.com/faq/where-can-i-see-all-of-my-gift-options/) - You can view a full list of rewards options online on The Callaway Bank Rewards site. - [How often are my points updated?](https://www.callawaybank.com/faq/how-often-are-my-points-updated/) - Points are credited to your account at the end of each month, so it may take up to 45 days for points to be applied to your account. You will receive an annual paper statement or you may choose to receive a monthly Callaway Bank Rewards eStatement notification by registering online at www.callawaybankrewards.com. - [How can I check my point total?](https://www.callawaybank.com/faq/how-can-i-check-my-point-total/) - Your point summary is available 24 hours a day, 7 days a week. You can check your points on the My Account page or by calling The Callaway Bank Rewards Service Center at 877-446-7937. - [When can I redeem points?](https://www.callawaybank.com/faq/when-can-i-redeem-points/) - You can redeem your points at any time. - [How do I redeem points?](https://www.callawaybank.com/faq/how-do-i-redeem-points-for-gifts-gift-cards-and-downloadable-music-ringtones-and-books/) - You can redeem points by visiting The Callaway Bank Rewards site and selecting the rewards of your choosing, or by calling The Callaway Bank Rewards Service Center at 877-446-7937. Our Rewards specialist will take your order and you will receive your item(s) within 2-4 weeks. - [Can my Callaway Bank Rewards points be combined with points earned on other programs?](https://www.callawaybank.com/faq/can-my-callaway-bank-rewards-points-be-combined-with-points-earned-on-other-programs/) - No, points may not be combined with or transferred to, other reward accounts or programs. - [Do Callaway Bank Rewards points expire?](https://www.callawaybank.com/faq/do-callaway-bank-rewards-points-expire/) - Points are good for three (3) years from the month they’re earned. Points are deducted on a first in, first out basis. - [Are Callaway Bank Rewards points transferable?](https://www.callawaybank.com/faq/are-callaway-bank-rewards-points-transferable/) - No, points are not transferable. - [Why is there a reduction of points?](https://www.callawaybank.com/faq/why-is-there-a-reduction-of-points/) - If you returned a purchase with your Callaway Bank debit or credit card, the points are removed from your account which will result in a reduction of your points. In rare instances, it could actually give you a negative point balance. - [Why can’t I access my account online?](https://www.callawaybank.com/faq/why-cant-i-access-my-account-online/) - If your rewards account is less than 60 days old, you may have to wait a brief period to get into the system. If your account is more than 60 days old and you are still having difficulty, please call our Callaway Bank Rewards Service Center at 877-446-7937. - [What is The Callaway Bank's Routing Number?](https://www.callawaybank.com/faq/what-is-the-callaway-bank-routing-number/) - The routing number or ABA number for The Callaway Bank is 081501696. - [Will my phone work with The Callaway Bank Mobile Banking App?](https://www.callawaybank.com/faq/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 - [What are the fees involved?](https://www.callawaybank.com/faq/what-are-the-fees-involved/) - The fees for Callaway Bank Online are: Access to account balances, history, transfers FREE! Personal Bill Payment Service — FREE! Mobile Check Deposit – FREE! - [Can someone steal the information in my chip card remotely using radio waves or a contactless reader?](https://www.callawaybank.com/faq/can-someone-steal-the-information-in-my-chip-card-remotely-using-radio-waves-or-a-contactless-reader/) - No, your chip card must be inserted into a POS terminal or ATM in order to read the chip. - [What is private mortgage insurance and when is it required?](https://www.callawaybank.com/faq/what-is-mortgage-insurance-and-when-is-it-required/) - First of all, let's make sure that we mean the same thing when we discuss " private mortgage insurance." Private mortgage insurance should not be confused with mortgage life insurance, which is designed to pay off a mortgage in the event of a borrower's death. Private mortgage insurance makes it possible for you to buy - [Will I get a copy of the appraisal?](https://www.callawaybank.com/faq/will-i-get-a-copy-of-the-appraisal/) - As soon as we receive your appraisal, we'll update your loan with the estimated value of the home. We will review the appraisal then promptly give you a copy of any appraisal, even if your loan does not close. - [Standard phone requirements for Mobile Banking App:](https://www.callawaybank.com/faq/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 - [What mobile devices can I make mobile deposits on?](https://www.callawaybank.com/faq/what-mobile-devices-can-i-make-mobile-deposits-on/) - Mobile check deposit is available on Android™ mobile phones, Apple iPhones® and iPads™, and Amazon Kindle™ devices. - [How should I endorse my check?](https://www.callawaybank.com/faq/how-should-i-endorse-my-check/) - 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. - [How long should I keep the check after I deposit the funds?](https://www.callawaybank.com/faq/how-long-should-i-keep-the-check-after-i-deposit-the-funds/) - After you receive confirmation that we have received your check image retain the check for at least 30 calendar days, then destroy it. - [Is my account information still safe and how do I know?](https://www.callawaybank.com/faq/is-my-account-information-still-safe-and-how-do-i-know/) - 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 - [How long until funds are available after depositing a check?](https://www.callawaybank.com/faq/how-long-until-funds-are-available-after-depositing-a-check/) - 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. - [How can I enter a tip (e.g. at a restaurant or hair salon)?](https://www.callawaybank.com/faq/how-can-i-enter-a-tip-e-g-at-a-restaurant-or-hair-salon/) - Some merchants that used to allow you to add the tip to the receipt after the transaction, may now ask you to specify the tip before the transaction. We expect that this will change over the next several months to restore the previous option of adding a tip after the transaction. - [Does a chip card contain more information about me that could be stolen?](https://www.callawaybank.com/faq/does-a-chip-card-contain-more-information-about-me-that-could-be-stolen/) - No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date. - [Will chip cards prevent data breaches?](https://www.callawaybank.com/faq/will-chip-cards-prevent-data-breaches/) - While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data. - [What is the difference between chip and signature and chip and pin?](https://www.callawaybank.com/faq/what-is-the-difference-between-chip-and-signature-and-chip-and-pin/) - You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. Please note that some merchants are now requiring you - [Can I use my card at an ATM?](https://www.callawaybank.com/faq/can-i-use-my-card-at-an-atm/) - Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money - [Can I use it to make purchases online or by phone?](https://www.callawaybank.com/faq/can-i-use-it-to-make-purchases-online-or-by-phone/) - Yes. You can use your chip card to make these purchases as you do today. - [Do I need to sign the back of the card?](https://www.callawaybank.com/faq/do-i-need-to-sign-the-back-of-the-card/) - Yes. You still need to sign the back of your card. - [Can I use my chip card anywhere?](https://www.callawaybank.com/faq/can-i-use-my-chip-card-anywhere/) - Yes. Your chip card can be used virtually anywhere this brand of card is accepted in the U.S. and around the world. If a merchant has a chip-enabled card terminal, you will insert your card during the transaction. In the U.S., you will still be able to 'swipe' your card to make your payment if - [How do I use them?](https://www.callawaybank.com/faq/how-do-i-use-them/) - Begin the payment process by ‘swiping’ your card, just as you do today. If the payment terminal is chip-enabled, you will be asked to insert your card. Insert the card, face up and chip end First, into the terminal. Leave the card in the terminal during the entire transaction. Follow the instructions on the screen - [Is a chip card more secure than my current card?](https://www.callawaybank.com/faq/is-a-chip-card-more-secure-than-my-current-card/) - Yes. Chip cards add an additional layer of security to the safeguards that already protect your card. Each time you use your chip card, it generates a code that is unique to that transaction. This makes it harder to counterfeit your card or to use it fraudulently for in-store purchases. - [What are chip cards?](https://www.callawaybank.com/faq/what-are-chip-cards/) - A chip card - also called a smart card or an EMV™ card - is a debit or credit card that contains a microprocessor that enhances the security of cards during point-of-sale transactions. These cards, already in use in much of the world, use a security standard originally developed by Europay, MasterCard and Visa (EMV) as - [How can I detect fraudulent charges on my account?](https://www.callawaybank.com/faq/how-can-i-detect-fraudulent-charges-on-my-account/) - The key is to look at your account routinely to spot charges that are not correct while your recent transactions are fresh in your mind. When people wait until the end of the month they may miss a smaller fraudulent transaction that is a test to see if your card number works. We have many - [Is my checking account at risk if my card number is stolen?](https://www.callawaybank.com/faq/is-my-checking-account-at-risk-if-my-card-number-is-stolen/) - No. Your checking account number is not included with your card’s information. Only the bank knows what checking account is tied to your card. No need to close and reopen your checking account. - [Does this mean my card number has been stolen?](https://www.callawaybank.com/faq/does-this-mean-my-card-number-has-been-stolen/) - No, not necessarily, but it is likely to just be a matter of time. Most often we will reissue a card because we have strong indications that your card number could be exposed, and we want to preempt any fraudulent transactions. While some people do experience fraudulent charges because their number was indeed stolen, it - [Why did I receive a new card?](https://www.callawaybank.com/faq/why-did-i-receive-a-new-card/) - Based on transaction history and fraudulent activity, your current debit card has a high probability to be used fraudulently by hackers. When we see these types of indicators we will issue a replacement debit card to prevent its use from criminals. - [What if I get a new card?](https://www.callawaybank.com/faq/what-if-i-get-a-new-card/) - Let’s say you get a new card because your old one is expiring. You will need to load your new card into your wallet and go through the authentication process by calling the bank again. Then you can delete your old card from your wallet. - [Are all mobile devices capable of using their respective digital wallets? (i.e. Can all iPhones use Apple Pay?)](https://www.callawaybank.com/faq/are-all-mobile-devices-capable-of-using-their-respective-digital-wallets-i-e-can-all-iphones-use-apple-pay/) - No. Older phones are not compatible. Below are general rules of thumb to use: iPhones have to be iPhone 6 or newer. Samsung phones have to be Galaxy 6s or newer. Android Pay is available on all non-rooted Android devices (KitKat 4.4+). See your device manufacturer for more specific details. - [Will the transaction appear differently on my statement?](https://www.callawaybank.com/faq/will-the-transaction-appear-differently-on-my-statement/) - No. It will look like any other debit or credit card transaction. - [What is the cost to use a digital wallet?](https://www.callawaybank.com/faq/what-is-the-cost-to-use-a-digital-wallet/) - $0. Nothing. Nada. The purchase will be the same amount as if you paid with your card. Please note that wireless data charges may apply and you should consult with your wireless carrier for more information. - [How is it secure?](https://www.callawaybank.com/faq/how-is-it-secure/) - Your card numbers are not stored on the phone. The wallet app assigns each credit and debit card a virtual card number, sometimes referred to as a token, that is only associated with the digital wallet and mobile device you use. When you use your device to pay, the wallet doesn’t send your actual credit - [What information do I need to provide?](https://www.callawaybank.com/faq/what-information-do-i-need-to-provide/) - As with any business loan, you will need a business plan. However, for our Youth Entrepreneur Program, we have simplified the process. You will need a financial statement, a brief explanation of your project approved by your advisor, a budget, and a loan application signed by you and your parent/guardian. Please see our Youth Entrepreneur - [What kind of projects?](https://www.callawaybank.com/faq/what-kind-of-projects/) - Eligible projects would typically be based around school entrepreneur programs such as FFA or FBLA and will vary depending on the student. Agriculture-related projects could involve raising livestock or developing a greenhouse. It could be tech related, like a mobile app or an online business development. One key feature each project must have is business - [How much can I borrow?](https://www.callawaybank.com/faq/how-much-can-i-borrow/) - Youth Entrepreneur loans are available up to $1000 or more depending on the project. Loans are structured with a low-interest rate and a 1-year term. - [Who is eligible for this program?](https://www.callawaybank.com/faq/who-is-eligible-for-this-program/) - The Youth Entrepreneur Program is open to high school students in mid-Missouri working with a school advisor who can mentor them in running a business. - [How do I lock my rate?](https://www.callawaybank.com/faq/how-do-i-lock-my-rate-4/) - Please contact your Callaway Bank loan officer. - [If I apply, where will the closing take place?](https://www.callawaybank.com/faq/if-i-apply-where-will-the-closing-take-place/) - We'll schedule your closing usually at one of our branches near your home for your convenience. Sometimes we may use another location such as a title company office if necessary. - [Can I make my monthly payments with an automated debit from my checking account?](https://www.callawaybank.com/faq/can-i-make-my-monthly-payments-with-an-automated-debit-from-my-checking-account/) - Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program. - [I won't be able to attend the closing. What other options are there?](https://www.callawaybank.com/faq/i-wont-be-able-to-attend-the-closing-what-other-options-are-there/) - If you won't be able to attend the loan closing, contact your Loan Officer to discuss other options. If someone you trust is able to attend on your behalf, you can execute a Power of Attorney so that this person can sign documents on your behalf. In other cases, we're able to mail you the - [Who will be at the closing?](https://www.callawaybank.com/faq/who-will-be-at-the-closing/) - Your loan officer or one of our team members will be there to assist and answer any questions you have. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you along with the real estate agents and the title company’s agent. - [Can I get advanced copies of the documents I will be signing at closing?](https://www.callawaybank.com/faq/can-i-get-advanced-copies-of-the-documents-i-will-be-signing-at-closing/) - The most important documents you will sign at closing are the note and mortgage, sometimes called the deed of trust. Unless there are special circumstances, these documents are usually prepared one to two days before your closing. Other documents are prepared by the closing agent the day before or the day of your closing. If - [Will I need to have an attorney represent me at closing?](https://www.callawaybank.com/faq/will-i-need-to-have-an-attorney-represent-me-at-closing/) - In some areas of the country it is very customary, and sometimes required by law, to have an attorney represent you at the closing. In other areas, attorneys are not as common at a real estate closing. Please contact the closing agent if you have questions about attorney representation. By all means, we recommend that you - [How do I lock my rate?](https://www.callawaybank.com/faq/how-do-i-lock-my-rate-3/) - Please contact your Callaway Bank loan officer. - [Does The Callaway Bank provide financing for manufactured homes?](https://www.callawaybank.com/faq/does-the-callaway-bank-provide-financing-for-manufactured-homes/) - We define manufactured housing as housing units that are factory built with a steel undercarriage that remains as a structural component and limits the structure to a single story. These types of manufactured homes are sometimes known as mobile homes. We do not consider other factory-built housing (not built on a permanent chassis), such as - [How long does it take for the property appraisal to be completed?](https://www.callawaybank.com/faq/how-long-does-it-take-for-the-property-appraisal-to-be-completed/) - Licensed appraisers who are familiar with home values in your area perform appraisals. We order the appraisal as soon as the application deposit is paid. Generally, it takes 10-14 days before the written report is sent to us. We follow up with the appraiser to ensure that it is completed as soon as possible. If - [I've heard that some lenders require flood insurance on properties. Will you?](https://www.callawaybank.com/faq/ive-heard-that-some-lenders-require-flood-insurance-on-properties-will-you/) - Federal Law requires all lenders to investigate whether or not each home they finance is in a special flood hazard area as defined by FEMA, the Federal Emergency Management Agency. The law can't stop floods. Floods happen anytime, anywhere. But the Flood Disaster Protection Act of 1973 and the National Flood Insurance Reform Act of - [I'm purchasing a home, do I need a home inspection AND an appraisal?](https://www.callawaybank.com/faq/im-purchasing-a-home-do-i-need-a-home-inspection-and-an-appraisal/) - Both a home inspection and an appraisal are designed to protect you against potential issues with your new home. Although they have totally different purposes, it makes the most sense to rely on each to help confirm that you've found the perfect home. The appraiser will make note of obvious construction problems such as termite - [Are there any special requirements for condominiums?](https://www.callawaybank.com/faq/are-there-any-special-requirements-for-condominiums/) - Since the value and marketability of condominium properties is dependent on items that don't apply to single-family homes, there are some additional steps that must be taken to determine if condominiums meet our guidelines. One of the most important factors is determining if the project that the condominium is located in is complete. In many - [What types of things will an underwriter look for when they review the appraisal?](https://www.callawaybank.com/faq/what-types-of-things-will-an-underwriter-look-for-when-they-review-the-appraisal/) - In addition to verifying that your home's value supports your loan request, we'll also verify that your home is as marketable as others in the area. We'll want to be confident that if you decide to sell your home, it will be as easy to market as other homes in the area. We certainly don't - [What, exactly, is an installment debt?](https://www.callawaybank.com/faq/what-exactly-is-an-installment-debt/) - An installment debt is a loan that you make payments on, such as an auto loan, a student loan or a debt consolidation loan. Do not include payments on other living expenses, such as insurance costs or medical bill payments. We'll include any installment debts that have more than 10 months remaining when determining your - [How will a past bankruptcy or foreclosure affect my ability to obtain a new mortgage?](https://www.callawaybank.com/faq/how-will-a-past-bankruptcy-or-foreclosure-affect-my-ability-to-obtain-a-new-mortgage/) - If you've had a bankruptcy or foreclosure in the past, it may affect your ability to get a new mortgage. Unless the bankruptcy or foreclosure was caused by situations beyond your control, we will generally require that two to four years have passed since the bankruptcy or foreclosure. It is also important that you've re-established - [I have student loans that aren't in repayment yet. Should I show them as installment debts?](https://www.callawaybank.com/faq/i-have-student-loans-that-arent-in-repayment-yet-should-i-show-them-as-installment-debts/) - Any student loan that will go into repayment within the next six months should be included in the application. If you are not sure exactly what the monthly payment will be at this time, enter an estimated amount. If other student loans are reflected on your final credit report, which will not go into repayment - [I've co-signed a loan for another person. Should I include that debt here?](https://www.callawaybank.com/faq/ive-co-signed-a-loan-for-another-person-should-i-include-that-debt-here/) - Generally, a co-signed debt is considered when determining your qualifications for a mortgage. If the co-signed debt doesn't affect your ability to obtain a new mortgage we'll leave it at that. However, if it does make a difference, we can ignore the monthly payment of the co-signed debt if you can provide verification that the - [I am relocating because I have accepted a new job that I haven't started yet. How should I complete the application?](https://www.callawaybank.com/faq/i-am-relocating-because-i-have-accepted-a-new-job-that-i-havent-started-yet-how-should-i-complete-the-application/) - Congratulations on your new job! If you will be working for the same employer, complete the application as such but enter the income you anticipate you'll be receiving at your new location. If your employment is with a new employer, complete the application as if this were your current employer and indicate that you have - [I am selling my current home to purchase this home. What type of documentation will be required?](https://www.callawaybank.com/faq/i-am-selling-my-current-home-to-purchase-this-home-what-type-of-documentation-will-be-required/) - If you're selling your current home to purchase your new home, we'll ask you to provide a copy of the settlement or closing statement you'll receive at the closing to verify that your current mortgage has been paid in full and that you'll have sufficient funds for our closing. Often the closing of your current - [I'm getting a gift from someone else. Is this an acceptable source of my down payment?](https://www.callawaybank.com/faq/im-getting-a-gift-from-someone-else-is-this-an-acceptable-source-of-my-down-payment/) - Gifts are an acceptable source of down payment if the gift giver is related to you or your co-borrower. We'll ask you for the name, address, and phone number of the gift giver, as well as the donor's relationship to you. If your loan request is for more than 80% of the purchase price, we'll - [I was in school before obtaining my current job. How do I complete the application?](https://www.callawaybank.com/faq/i-was-in-school-before-obtaining-my-current-job-how-do-i-complete-the-application/) - If you were in school before your current job, enter the name of the school you attended and the length of time you were in school in the "length of employment" fields. You can enter a position of "student" and income of "0." - [If my property's appraised value is more than the purchase price can I use the difference towards my down payment?](https://www.callawaybank.com/faq/if-my-propertys-appraised-value-is-more-than-the-purchase-price-can-i-use-the-difference-towards-my-down-payment/) - Unfortunately, if you are purchasing a home, we'll have to use the lower of the appraised value or the sales price to determine your down payment requirement. It's still a great benefit for your financial situation if you are able to purchase a home for less than the appraised value, but our investors don't allow - [I've had a few employers in the last few years. Will that affect my ability to get a new mortgage?](https://www.callawaybank.com/faq/ive-had-a-few-employers-in-the-last-few-years-will-that-affect-my-ability-to-get-a-new-mortgage/) - Having changed employers frequently is typically not a hindrance to obtaining a new mortgage loan. This is particularly true if you made employment changes without having periods of time in between without employment. We'll also look at your income advancements as you have changed employment. If you're paid on a commission basis, a recent job - [Will my second job income be considered?](https://www.callawaybank.com/faq/will-my-second-job-income-be-considered/) - Typically, income from a second job will be considered if a one-year history of secondary employment can be verified. - [Do I have to provide information about my child support, alimony or separate maintenance income?](https://www.callawaybank.com/faq/do-i-have-to-provide-information-about-my-child-support-alimony-or-separate-maintenance-income/) - Information about child support, alimony, or separate maintenance income does not need to be provided unless you wish to have it considered for repaying this mortgage loan. - [I have income from dividends and/or interest. What documents will I need to provide?](https://www.callawaybank.com/faq/i-have-income-from-dividends-and-or-interest-what-documents-will-i-need-to-provide/) - Generally, two years personal tax returns are required to verify the amount of your dividend and/or interest income so that an average of the amounts you receive can be calculated. In addition, we will need to verify your ownership of the assets that generate the income using copies of statements from your financial institution, brokerage - [How will rental income be verified?](https://www.callawaybank.com/faq/how-will-rental-income-be-verified/) - If you own rental properties, we'll generally ask for the most recent year's federal tax return to verify your rental income. We'll review the Schedule E of the tax return to verify your rental income, after all expenses except depreciation. Since depreciation is only a paper loss, it won't be counted against your rental income. - [How do I lock my rate?](https://www.callawaybank.com/faq/how-do-i-lock-my-rate-2/) - Please contact your Callaway Bank loan officer. - [If I have income that's not reported on my tax return, can it be considered?](https://www.callawaybank.com/faq/if-i-have-income-thats-not-reported-on-my-tax-return-can-it-be-considered/) - Generally, only income that is reported on your tax return can be considered when applying for a mortgage. Unless, of course, the income is legally tax-free and isn't required to be reported. - [I am retired and my income is from pension or social security. What will I need to provide?](https://www.callawaybank.com/faq/i-am-retired-and-my-income-is-from-pension-or-social-security-what-will-i-need-to-provide/) - We will ask for copies of your recent pension check stubs, or bank statement if your pension or retirement income is deposited directly in your bank account. Sometimes it will also be necessary to verify that this income will continue for at least three years since some pension or retirement plans do not provide income - [Will my overtime, commission, or bonus income be considered when evaluating my application?](https://www.callawaybank.com/faq/will-my-overtime-commission-or-bonus-income-be-considered-when-evaluating-my-application/) - In order for bonus, overtime, or commission income to be considered, you must have a history of receiving it and it must be likely to continue. We'll usually need to obtain copies of W-2 statements for the previous two years and a recent pay stub to verify this type of income. If a major part - [I'm self-employed. How will you verify my income?](https://www.callawaybank.com/faq/im-self-employed-how-will-you-verify-my-income/) - Generally, the income of self-employed borrowers is verified by obtaining copies of personal (and business, if applicable) federal tax returns for the most recent two-year period. However, based on your entire financial situation, we may not need full copies of your tax returns. We'll review and average the net income from self-employment that's reported on - [How do you decide what you need from me to process my loan?](https://www.callawaybank.com/faq/how-do-you-decide-what-you-need-from-me-to-process-my-loan/) - We take full advantage of an automated underwriting system that allows us to request as little information as possible to verify the data you provided during your loan application. Gone are the days when it was necessary to verify every piece of data collected during the application. The automated underwriting system compares your financial situation - [Can I really borrow funds to use towards my down payment?](https://www.callawaybank.com/faq/can-i-really-borrow-funds-to-use-towards-my-down-payment/) - Yes, you can borrow funds to use as your down payment! However, any loans that you take out must be secured by an asset that you own. If you own something of value that you could borrow funds against such as a car or another home, it's a perfectly acceptable source of funds. If you - [Are we right for you?](https://www.callawaybank.com/faq/are-we-right-for-you/) - That’s hard to know. It depends on what you’re looking for and where your property is located. We’ll help you figure out what type of loan and the amount that is the best fit for you and guide you through the process. We also prefer to only finance homes in central Missouri. Our team works - [Will I be charged any fees if I authorize my credit information to be accessed?](https://www.callawaybank.com/faq/will-i-be-charged-any-fees-if-i-authorize-my-credit-information-to-be-accessed/) - There is no charge to you for the credit information we'll access with your permission to evaluate your application online. You will only be charged for a credit report if you decide to complete the application process after your loan is approved. - [Will the inquiry about my credit affect my credit score?](https://www.callawaybank.com/faq/will-the-inquiry-about-my-credit-affect-my-credit-score/) - An abundance of credit inquiries can sometimes affect your credit scores since it may indicate that your use of credit is increasing. But don't overreact! The data used to calculate your credit score doesn't include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. - [What is a credit score and how will my credit score affect my application?](https://www.callawaybank.com/faq/what-is-a-credit-score-and-how-will-my-credit-score-affect-my-application/) - A credit score is one of the pieces of information that we'll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions. Credit scores are based - [Can I apply for a loan before I find a property to purchase?](https://www.callawaybank.com/faq/can-i-apply-for-a-loan-before-i-find-a-property-to-purchase/) - Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we'll issue an approval subject to you finding the perfect home and verification of all your information. We'll issue a pre-qualification letter to assure real estate brokers and sellers - [What is the maximum percentage of my home's value that I can borrow?](https://www.callawaybank.com/faq/what-is-the-maximum-percentage-of-my-homes-value-that-i-can-borrow/) - The maximum percentage of your home's value depends on the purpose of your loan, how you use the property, and the loan type you choose, so the best way to determine what loan amount we can offer is to complete our online application! - [How do I lock my rate?](https://www.callawaybank.com/faq/how-do-i-lock-my-rate/) - Please contact your Callaway Bank loan officer. - [What is title insurance and why do I need it?](https://www.callawaybank.com/faq/what-is-title-insurance-and-why-do-i-need-it/) - If you've ever purchased a home before, you may already be familiar with the benefits and terms of title insurance. But if this is your first home loan or you are refinancing, you may be wondering why you need another insurance policy. The answer is simple: The purchase of a home is most likely one - [What is your Rate Lock Policy?](https://www.callawaybank.com/faq/what-is-your-rate-lock-policy/) - General Statement The interest rate market is subject to movements without advance notice. Locking in a rate protects you from the time that your lock is confirmed to the day that your lock period expires. Lock-In Agreement A lock is an agreement by the borrower and the lender and specifies the number of days for - [Are there any prepayment penalties charged for these loan programs?](https://www.callawaybank.com/faq/are-there-any-prepayment-penalties-charged-for-these-loan-programs/) - None of the loan programs we offer have penalties for prepayment. You can pay off your mortgage any time with no additional charges. - [How do I know if it's best to lock in my interest rate or to let it float?](https://www.callawaybank.com/faq/how-do-i-know-if-its-best-to-lock-in-my-interest-rate-or-to-let-it-float/) - Mortgage interest rate movements are as hard to predict as the stock market and no one can really know for certain whether they'll go up or down. If you have a hunch that rates are on an upward trend then you'll want to consider locking the rate as soon as you are able. Before you - [Is comparing APRs the best way to decide which lender has the lowest rates and fees?](https://www.callawaybank.com/faq/is-comparing-aprs-the-best-way-to-decide-which-lender-has-the-lowest-rates-and-fees/) - The Federal Truth in Lending law requires that all financial institutions disclose the APR when they advertise a rate. The APR is designed to present the actual cost of obtaining financing, by requiring that some, but not all, closing fees are included in the APR calculation. These fees in addition to the interest rate determine - [Should I pay points in exchange for a lower interest rate?](https://www.callawaybank.com/faq/should-i-pay-points-in-exchange-for-a-lower-interest-rate/) - Points are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly - [How are interest rates determined?](https://www.callawaybank.com/faq/how-are-interest-rates-determined/) - Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates - [If my account receives duplicate statements and I sign up for eStatements, can the duplicate paper statement still be mailed?](https://www.callawaybank.com/faq/if-my-account-receives-duplicate-statements-and-i-sign-up-for-estatements-can-the-duplicate-paper-statement-still-be-mailed/) - Yes the existing monthly fee for a duplicate statement of $3.95 covers the production and mailing of the duplicate statement. - [Do all of my accounts have to be enrolled in eStatements?](https://www.callawaybank.com/faq/do-all-of-my-accounts-have-to-be-enrolled-in-estatements/) - No, you may choose to only enroll only those you wish. - [If I delete an account, what happens to pending or scheduled transactions?](https://www.callawaybank.com/faq/if-i-delete-an-account-what-happens-to-pending-or-scheduled-transactions-2/) - Deleting an account cancels all pending payments and other transactions from the account. The following transactions are canceled: pending payments, incoming eBills, AutoPay payments, AutoPay payments for eBills, scheduled and repeating transfers, and Popmoney payments. - [Who can I pay with Bill Pay?](https://www.callawaybank.com/faq/who-can-i-pay-with-bill-pay-2/) - You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers such as the babysitter or the plumber. - [How does Bill Pay work?](https://www.callawaybank.com/faq/how-does-bill-pay-work-2/) - Provide some info about the company or person you want to pay, and then tell us how much and when you want payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you. - [What do I need to be able to use Business Banking Online?](https://www.callawaybank.com/faq/what-do-i-need-to-be-able-to-use-business-banking-online/) - You need an eligible account at The Callaway Bank. This could be a checking, savings, CD, or loan. You need internet access provided by an ISP (Internet Service Provider). You will need a secure version of browser software – we recommend using the most current up-to-date version to ensure optimal performance and security. - [Where is this service available?](https://www.callawaybank.com/faq/where-is-this-service-available/) - The Callaway Bank Mobile Banking App is available wherever your mobile carrier allows service. - [Will I be charged a fee for Callaway Bank Mobile Banking?](https://www.callawaybank.com/faq/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?](https://www.callawaybank.com/faq/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. - [Are my payments guaranteed?](https://www.callawaybank.com/faq/are-my-payments-guaranteed/) - With the Payments Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays. The payments guarantee applies when all the payment and contact info provided is accurate. - [When is the money for the payment withdrawn from my account?](https://www.callawaybank.com/faq/when-is-the-money-for-the-payment-withdrawn-from-my-account/) - If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, - [Who can’t I pay with Bill Pay?](https://www.callawaybank.com/faq/who-cant-i-pay-with-bill-pay/) - You’ll use Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Bill Pay to send payments to addresses outside the United States. We don’t recommend using Bill Pay to make state and federal tax payments or court-ordered payments. Such payments are discourages and must be - [Who can I pay with Bill Pay?](https://www.callawaybank.com/faq/who-can-i-pay-with-bill-pay/) - You can pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers such as the babysitter or the plumber. - [How does Bill Pay work?](https://www.callawaybank.com/faq/how-does-bill-pay-work/) - Provide some info about the company or person you want to pay, and then tell us how much and when you want payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you. - [Can I transfer funds from my accounts at The Callaway Bank to another financial institution?](https://www.callawaybank.com/faq/can-i-transfer-funds-from-my-accounts-at-the-callaway-bank-to-another-financial-institution/) - Yes, if you have enrolled in Bill Pay then you have the option to transfer money, which will allow you to transfer between financial institutions. ## Location - [Fulton Drive-Up ATM - 420 Industrial Road](https://www.callawaybank.com/locations/north-fulton-drive-in/) - The ATM accepts cash and check deposits 24/7. Scan loose cash and checks; no envelopes are needed. - [Ashland](https://www.callawaybank.com/locations/ashland/) - 8 mid-Missouri locations, deposit accepting ATMs, and customer-focused bankers. - [Columbia (West Broadway)](https://www.callawaybank.com/locations/west-broadway/) - The Callaway Bank has 6 deposit accepting ATMs and 8 full-service bank locations to serve you. We're here for your moments that matter. - [Columbia (Chapel Hill)](https://www.callawaybank.com/locations/chapel-hill/) - The Callaway Bank has convenient locations and deposit accepting ATMs that are open 24/7. - [Mokane](https://www.callawaybank.com/locations/steedman-mokane/) - The Callaway Bank has several bank locations to serve you. We're here for your moments that matter. - [Fulton (Downtown)](https://www.callawaybank.com/locations/5th-and-court-street/) - This location has a walk-up ATM and a drive-up ATM located behind the bank. The drive-up ATM is deposit accepting and both ATMs are open 24/7. - [Fulton (Downtown) Drive-Up ATM](https://www.callawaybank.com/locations/5-e-fifth-street-drive-up-atm-only/) - Deposit your cash and checks 24/7 at the 5 E Fifth St. drive-up ATM. The Callaway Bank has 6 deposit accepting ATMs and 8 full-service bank locations to serve you. - [Kingdom City ATM](https://www.callawaybank.com/locations/kingdom-city-atm-only/) - Deposit cash and checks at the Kingdom City ATM, 5580 Dunn Dr. The Callaway Bank has 6 deposit accepting ATMs and 8 full-service bank locations to serve you. - [Short Stop Convenience Store ATM](https://www.callawaybank.com/locations/short-stop-convenience-store-atm-only/) - The Shortstop ATM is located inside the store at 4425 State Rd. J. Hours of operation are based on business hours of the store. ## Customer Reviews - [Sharon B.](https://www.callawaybank.com/customer-reviews/sharon-b/) - I have been with Callaway Bank my whole life. My family has been with them for 50 to 70 years. They have always helped me anytime I needed it. - [William S.](https://www.callawaybank.com/customer-reviews/william-s/) - Anytime I needed anything they're willing to work with me. They do whatever they needed to do to find a way to make things work. - [Cole J.](https://www.callawaybank.com/customer-reviews/cole-j/) - I've been very happy with Callaway Bank. It's a good family bank. - [Steven T.](https://www.callawaybank.com/customer-reviews/steven-t/) - I am very happy with Callaway Bank. I would give 10 thumbs up for construction loans and other loans that I've had there. I keep coming back for most of my loans. We built a new house and ended up having a construction loan and doing a final loan as well. - [Craig S.](https://www.callawaybank.com/customer-reviews/craig-s/) - I am very satisfied with my refinance. The whole staff was helpful throughout and the rate and fee waiver for opening a checking account were great! - [Don G.](https://www.callawaybank.com/customer-reviews/don-g/) - I was interested in getting a car loan this past week for a new car, so I called Callaway Bank where I do all my banking. The loan at the bank was approved the same day. The banker followed up with me several days in a row making sure I had all the documents to - [Eric M.](https://www.callawaybank.com/customer-reviews/eric-m/) - It was the best mortgage loan process we have ever done, and look forward to our future with The Callaway Bank. - [William H.](https://www.callawaybank.com/customer-reviews/william-h/) - I'm very happy with the service from Callaway Bank. I went in and was waiting for a safety deposit box and the ladies were very pleasant. I recently received a phone call from them to ask me about charges, to prevent fraud. Everything was fine but they called to make sure they were valid charges. - [Michael M.](https://www.callawaybank.com/customer-reviews/michael-m/) - I'm very happy with the service I receive from Callaway Bank. They're always there when I need them. I like their online banking service. I rarely go into the branch anymore. Everything is done online or deposited by mail. They're always ready to help. They jump right in when we need anything. - [Ashley W.](https://www.callawaybank.com/customer-reviews/ashley-w/) - I have been very happy with the service from Callaway Bank. Every time I've went in to make a payment on my loan they've always been very helpful and polite. Brian Hughes my loan officer is extremely helpful, and when I had questions about PMI insurance he got back to me really quick. I like - [Treysen G.](https://www.callawaybank.com/customer-reviews/treysen-g/) - I have been completely satisfied with Callaway Bank. Everything has been very good. They're always there for me. They do whatever I need when I need it. They make things very simple and work well with my family. I like how easy they are to work with. - [Jessica W.](https://www.callawaybank.com/customer-reviews/jessica-w/) - I'm happy with the service I receive from Callaway. I recently had to call with a question. The guy I talked to was nice and quick to answer questions. I haven't had any issues with this bank. I don't use any other bank, I'm satisfied with my account here. I like that the representatives are - [Sheila Z.](https://www.callawaybank.com/customer-reviews/sheila-z/) - I'm happy with the service I received with the loan process. Callaway was recommended by somebody I know who was a previous customer. Ann helped me and she was great. She was friendly and made the process simple. I like that the representatives there are very personable. - [Amanda W.](https://www.callawaybank.com/customer-reviews/amanda-w/) - I paid off my mortgage with Callaway and I'm starting a new one. I've been very satisfied with the service. I have recommended them to other people. I'll continue to do that if I have the opportunity. They are really great and easy to work with. They're just all-around perfect. I'm very happy with them. - [Nicholas F.](https://www.callawaybank.com/customer-reviews/nicholas-f/) - We have multiple accounts with Callaway Bank. We recently completed a home loan. Brian was amazing and kept us informed throughout the process. He was very helpful with closing and came to our work so we wouldn't have to miss work to sign documents. My husband and I both use Callaway and are very happy. - [Steven R.](https://www.callawaybank.com/customer-reviews/steven-r/) - We have banked at Callaway Bank since 1976 and we are very happy with the service. - [Timothy G.](https://www.callawaybank.com/customer-reviews/timothy-g/) - They were quick to reach out to me when they suspected fraud on my account. They did everything they could to stop it. Callaway is the only bank I use and they take good care of me. They would bend over backwards for me. - [Martin W.](https://www.callawaybank.com/customer-reviews/martin-w/) - I am completely satisfied with Callaway Bank. I don't have any issues with them. Whatever I need they take care of it. I have no issues at all. It's convenient and there are plenty of branches near me. They are always helpful and provide everything I need. - [Claire B.](https://www.callawaybank.com/customer-reviews/claire-b/) - I always use the app to make deposits with checks. It also makes it super easy to transfer funds between accounts when necessary. - [Zachery E.](https://www.callawaybank.com/customer-reviews/zachery-e/) - I'm very happy with the service from Callaway. They're the only bank I use if that tells you anything. - [Timothy K.](https://www.callawaybank.com/customer-reviews/timothy-k/) - I have been really pleased with Callaway Bank. Awhile back I tried to refinance with another bank that I was with for over 22 years. They denied me but Callaway helped me with no problem at all. I was elated and am very happy with the service. - [Chance F.](https://www.callawaybank.com/customer-reviews/chance-f/) - They're always on top of everything. They do everything I need them to do. I feel like they're more personable than other banks. Everybody there knows my name and I feel like they're just more of a local bank. They're a lot easier to deal with than other banks I've used in the past. Callaway ## Person - [Hunter Wilson](https://www.callawaybank.com/people/hunter-wilson/) - Hunter Wilson is an Assistant Branch Manager for The Callaway Bank. Get in touch with Hunter to assist you today! - [Brittney Glidewell](https://www.callawaybank.com/people/brittney-glidewell/) - Brittney Glidewell is a retail operations lead at The Callaway Bank in Fulton, MO. Reach out to the local banker for all your banking needs! - [Kate Larson](https://www.callawaybank.com/people/kate-larson/) - Kate Larson has been part of The Callaway Bank team since 2023. With a background in customer service and a strong interest in finance, she enjoys helping clients navigate their banking needs while building lasting relationships within the community. Kate is passionate about making banking approachable, solving problems, and providing guidance that helps others feel - [Ann Watring](https://www.callawaybank.com/people/ann-watring/) - Ann Watring, is a Commercial/Mortgage Lender for The Callaway Bank in Mid-Missouri. Get in touch with Ann to assist you with your lending needs today! - [Ashly Galbreath](https://www.callawaybank.com/people/ashly-galbreath/) - Ashly Galbreath is a Regional Branch Manager for The Callaway Bank. Get in touch with Ashly to assist you today! - [Miranda Lorentz](https://www.callawaybank.com/people/miranda-lorentz/) - [Ethan Bias](https://www.callawaybank.com/people/ethan-bias/) - [Kelli Kelley](https://www.callawaybank.com/people/kelli-desmond/) - Kelli Desmond is a Retail Operations Lead at The Callaway Bank. - [Jessie Gieson](https://www.callawaybank.com/people/jessie-gieson/) - Jessie Gieson is a Senior Branch Manager for The Callaway Bank. Get in touch with Jessie to assist you today! - [Don Kieffer](https://www.callawaybank.com/people/don-kieffer/) - Don Kieffer is a Commercial Lender for The Callaway Bank in Mid-Missouri. Get in touch with Don to assist you with your lending needs today! - [Lane Thebeau](https://www.callawaybank.com/people/lane-thebeau/) - Lane Thebeau, is an Agricultural & Commercial Lender for The Callaway Bank in Mid-Missouri. Get in touch with Lane to assist you with your lending needs today! - [Megan Polacek](https://www.callawaybank.com/people/megan-polacek/) - Megan Polacek, is a Personal Banker for The Callaway Bank in Mid-Missouri. Get in touch with Megan to assist you with your banking needs today! - [Lydia Sinden](https://www.callawaybank.com/people/lydia-sinden/) - Lydia is a native of the Fulton area with deep family roots here in the community. After earning her dental assistant degree, she realized that was not her true passion thus leading her to her current position with us here at The Callaway Bank while continuing with her drive-in helping others. When she is - [Mike Wagner](https://www.callawaybank.com/people/mike-wagner/) - [Brian Hughes](https://www.callawaybank.com/people/brian-hughes/) - Brian Hughes is a Real Estate Lender for The Callaway Bank. Get in touch with Brian to assist you today! - [Jeff Jones](https://www.callawaybank.com/people/jeff-jones/) - Jeff Jones is a Chief Communications Officer for The Callaway Bank. Get in touch with Jeff to assist you today! - [Paula Bertels](https://www.callawaybank.com/people/paula-bertels/) - Paula Bertels is a Chief Compliance Officer for The Callaway Bank. Get in touch with Paula to assist you today! - [Jessica Parker](https://www.callawaybank.com/people/jessica-parker/) - Jessica Parker is a Branch Manager for The Callaway Bank. Get in touch with Jessica to assist you today! - [Josh Stephenson](https://www.callawaybank.com/people/josh-stephenson/) - Josh Stephenson is the Columbia Market President for The Callaway Bank. Get in touch with Josh to assist you today! - [Ryan Vossen](https://www.callawaybank.com/people/ryan-vossen/) - Ryan Vossen is a Chief Credit Officer for The Callaway Bank. Get in touch with Ryan to assist you today! - [Russ Marshman](https://www.callawaybank.com/people/russ-marshman/) - Russ Marshman is a Commercial / Real Estate Lender for The Callaway Bank. Get in touch with Russ to assist you today! - [Josh King](https://www.callawaybank.com/people/josh-king/) - Josh King is a Commercial Lender for The Callaway Bank. Get in touch with Josh to assist you today! - [Tony Jaco](https://www.callawaybank.com/people/tony-jaco/) - Tony Jaco is a Branch Manager for The Callaway Bank. Get in touch with Tony to assist you today! - [Dave Toczylowski](https://www.callawaybank.com/people/dave-toczylowski/) - Dave Toczylowski has more than 15 years of lending and business development experience. Contact Dave Toczylowski at the Columbia, West Broadway location today. - [Carson Humphreys](https://www.callawaybank.com/people/carson-humphreys/) - Carson Humphreys is an Agriculture and Commercial Lender for The Callaway Bank in Mid-Missouri. Get in touch with Carson to assist you today! - [Madison Strain](https://www.callawaybank.com/people/madison-strain/) - Hailing from an agricultural community in Michigan, Madison has always felt a deep connection to farm life. Between 2018 and 2021, she embarked on a journey across the country, seeking new experiences and opportunities. During a dairy science internship in Florida, followed by a brief stop in Iowa, Madison's passion for community and community-building opportunities - [Jarrett Gorman](https://www.callawaybank.com/people/jarrett-gorman/) - Jarett Gorman comes to us from Jamestown, Missouri with a sound dedication to helping personal banking clients in the Columbia, Missouri area reach their financial goals. With a passion for community service and a love for banking Jarrett began his journey in the financial industry as a banking teller, mastering the ins and outs of - [Kayla Newburn](https://www.callawaybank.com/people/kayla-newburn/) - Kayla Newburn and her family call Callaway County home now. Originally from Miami, OK she loves the welcoming feeling Fulton and the Brick District offer. As a Personal Banker, Kayla thrives on opportunities to help people every day whether it be opening a new account, walking them through online banking, setting up their new debit - [Eric Cornelison](https://www.callawaybank.com/people/eric-cornelison/) - Eric is a Personal Banker at The Callaway Bank’s Chapel Hill location, bringing over 25 years of experience in the financial industry. Known for his friendly, fun, and comical approach, Eric makes every client interaction personal by truly listening and engaging to ensure their needs are met. Outside the office, you’ll often find Eric hunting, - [Brent Martin](https://www.callawaybank.com/people/brent-martin/) - Brent’s enthusiasm for helping people reach their goals is exciting to witness. His strong, honest work ethic and ability to multitask help him balance family, career, and farm goals. He loves hunting, fishing, and working on the farm with his wife and their three boys while also serving in their church and watching football. Supporting - [Debbie LaRue](https://www.callawaybank.com/people/debbie-larue/) - Debbie LaRue is the Director of Public Relations at The Callaway Bank. - [Taija Segelhorst](https://www.callawaybank.com/people/taija-segelhorst/) - Taija Seglehorst is a Director of Retail Banking for The Callaway Bank. Get in touch with Taija to assist you today! - [Marsha Moore](https://www.callawaybank.com/people/marsha-moore/) - Marsha Moore is the Director of Human Resources for The Callaway Bank. - [Brian Cox](https://www.callawaybank.com/people/brian-cox/) - Brian Cox During his time at The Callaway Bank, Brian Cox has worn many hats. He first joined the team in 2011 before returning in 2021. From serving as a branch manager to becoming a small business lender, he's now found his calling as the Director of Training and Development. In his current role, Brian - [Jacob Pestle](https://www.callawaybank.com/people/jacob-pestle/) - Jacob Pestle is a Business Banking Manager for The Callaway Bank. Get in touch with Jacob to assist you today! - [Brett Groves](https://www.callawaybank.com/people/brett-groves/) - [Bob Fisher](https://www.callawaybank.com/people/bob-fisher/) - Bob Fisher is the Commercial Loan Officer & VP for The Callaway Bank. Get in touch with Bob to assist you today! - [Marty Matthews](https://www.callawaybank.com/people/marty-matthews/) - Marty Matthews is a Business Banking Specialist for The Callaway Bank. Get in touch with Marty to assist you today! ## Galleries - [Dream Home Gallery](https://www.callawaybank.com/bwg_gallery/dream-home-gallery/) - [Best_Wordpress_Gallery id="2" gal_title="Dream Home Gallery"] - [Community Involvement](https://www.callawaybank.com/bwg_gallery/community-involvement/) - [Best_Wordpress_Gallery id="4" gal_title="Community Involvement"] ## Gallery Share - [Image](https://www.callawaybank.com/bwg_share/image/) ## Categories - [Bank On It](https://www.callawaybank.com/category/bank-on-it/) - [News](https://www.callawaybank.com/category/news/) - [Business Spotlight](https://www.callawaybank.com/category/rewards-shop-local-business-spotlight/) - [Lending](https://www.callawaybank.com/category/lending/) - [Fraud Prevention](https://www.callawaybank.com/category/fraud-prevention/) - [Home Buying](https://www.callawaybank.com/category/home-buying/) - [Community](https://www.callawaybank.com/category/community/) - [Business Resources](https://www.callawaybank.com/category/business-resources/) - 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[cattle](https://www.callawaybank.com/tag/cattle/) - [corn](https://www.callawaybank.com/tag/corn/) - [ag real estate](https://www.callawaybank.com/tag/ag-real-estate/) - [National Ag Week](https://www.callawaybank.com/tag/national-ag-week/) - [Apiaries](https://www.callawaybank.com/tag/apiaries/) - [Mo Economy](https://www.callawaybank.com/tag/mo-economy/) - [Ag Economy](https://www.callawaybank.com/tag/ag-economy/) - [wineries](https://www.callawaybank.com/tag/wineries/) - [honey](https://www.callawaybank.com/tag/honey/) - [community support](https://www.callawaybank.com/tag/community-support/) - [shop small](https://www.callawaybank.com/tag/shop-small/) - [construction loan](https://www.callawaybank.com/tag/construction-loan/) - [construction](https://www.callawaybank.com/tag/construction/) - [building a home](https://www.callawaybank.com/tag/building-a-home/) - [banklocal](https://www.callawaybank.com/tag/banklocal/) - [#shoplocal](https://www.callawaybank.com/tag/shoplocal/) - [#smallbiz](https://www.callawaybank.com/tag/smallbiz/) - [#shopsmall](https://www.callawaybank.com/tag/shopsmall/) - [Mortgage scam](https://www.callawaybank.com/tag/mortgage-scam/) - [consumer fraud](https://www.callawaybank.com/tag/consumer-fraud/) - [Consumer Alert](https://www.callawaybank.com/tag/consumer-alert/) - [postcard fraud](https://www.callawaybank.com/tag/postcard-fraud/) - [mail fraud](https://www.callawaybank.com/tag/mail-fraud/) - [Privacy](https://www.callawaybank.com/tag/privacy/) - [Credit Card portal](https://www.callawaybank.com/tag/credit-card-portal/) - [Credit Card](https://www.callawaybank.com/tag/credit-card/) - [Spendtrack](https://www.callawaybank.com/tag/spendtrack/) - [Business Credit Card](https://www.callawaybank.com/tag/business-credit-card/) - [Personal Credit Card](https://www.callawaybank.com/tag/personal-credit-card/) - [Online card management](https://www.callawaybank.com/tag/online-card-management/) - [mortgage quote](https://www.callawaybank.com/tag/mortgage-quote/) - [mortgage rates](https://www.callawaybank.com/tag/mortgage-rates/) - [homebuying](https://www.callawaybank.com/tag/homebuying/) - [free home loan quote](https://www.callawaybank.com/tag/free-home-loan-quote/) - [home construction](https://www.callawaybank.com/tag/home-construction/) - [FDIC insured](https://www.callawaybank.com/tag/fdic-insured/) - [FDIC limits](https://www.callawaybank.com/tag/fdic-limits/) - [Digital Banking](https://www.callawaybank.com/tag/digital-banking/) - [online banking](https://www.callawaybank.com/tag/online-banking/) - [ag banking](https://www.callawaybank.com/tag/ag-banking/) - [agriculture](https://www.callawaybank.com/tag/agriculture/) - [ag lending](https://www.callawaybank.com/tag/ag-lending/) - [credit bureau](https://www.callawaybank.com/tag/credit-bureau/) - [encryption](https://www.callawaybank.com/tag/encryption/) - [personal banking](https://www.callawaybank.com/tag/personal-banking/) - [business banking](https://www.callawaybank.com/tag/business-banking/) - [fraud free](https://www.callawaybank.com/tag/fraud-free/) - [fraudster](https://www.callawaybank.com/tag/fraudster/) - [CTA](https://www.callawaybank.com/tag/cta/) - [BOI](https://www.callawaybank.com/tag/boi/) - [BOIR](https://www.callawaybank.com/tag/boir/) - [Business Reporting](https://www.callawaybank.com/tag/business-reporting/) - [FinCEN](https://www.callawaybank.com/tag/fincen/) - [homeowners insurance](https://www.callawaybank.com/tag/homeowners-insurance/) - [homeowners](https://www.callawaybank.com/tag/homeowners/) - [escrow](https://www.callawaybank.com/tag/escrow/) - [Beneficial Owner Information](https://www.callawaybank.com/tag/beneficial-owner-information/) - [Beneficial Owner Information Report](https://www.callawaybank.com/tag/beneficial-owner-information-report/) - [escrow statement](https://www.callawaybank.com/tag/escrow-statement/) - [bank fraud](https://www.callawaybank.com/tag/bank-fraud/) - [real accounts of fraud](https://www.callawaybank.com/tag/real-accounts-of-fraud/) - [passphrases](https://www.callawaybank.com/tag/passphrases/) - [strong passwords](https://www.callawaybank.com/tag/strong-passwords/) - [Commercial Lending](https://www.callawaybank.com/tag/commercial-lending/) - [Century Farm](https://www.callawaybank.com/tag/century-farm/) - [Cows](https://www.callawaybank.com/tag/cows/) - [Farming](https://www.callawaybank.com/tag/farming/) - [Agriculture Lending](https://www.callawaybank.com/tag/agriculture-lending/) ## Categories - [General Banking FAQs](https://www.callawaybank.com/faq-category/general-banking-faqs/) - [Callaway Bank Rewards FAQs](https://www.callawaybank.com/faq-category/callaway-bank-rewards/) - [Personal Online Banking FAQs](https://www.callawaybank.com/faq-category/personal-online-banking/) - [Mobile Banking App FAQs](https://www.callawaybank.com/faq-category/mobile-banking-app/) - [Business Online Banking FAQs](https://www.callawaybank.com/faq-category/business-online-banking/) - [eStatement FAQs](https://www.callawaybank.com/faq-category/estatement/) - [Loan Programs, Rates & Fees FAQs](https://www.callawaybank.com/faq-category/rates-fees/) - [Your Application FAQs](https://www.callawaybank.com/faq-category/your-application/) - [Your Property FAQs](https://www.callawaybank.com/faq-category/your-property/) - [Closing & Beyond FAQs](https://www.callawaybank.com/faq-category/closing-beyond/) - [Youth Entrepreneur Program FAQs](https://www.callawaybank.com/faq-category/youth-entrepreneur-program/) - [Digital Wallets FAQs](https://www.callawaybank.com/faq-category/digital-wallets/) - [Merchant Breach Information FAQs](https://www.callawaybank.com/faq-category/merchant-breach-information/) - [Callaway Bank Chip Cards FAQs](https://www.callawaybank.com/faq-category/callaway-bank-chip-cards/) - [Mobile Check Deposit FAQs](https://www.callawaybank.com/faq-category/mobile-check-deposit-faqs/) - [eAlert FAQs](https://www.callawaybank.com/faq-category/ealert-text-banking-faqs/) ## Categories - [Loan](https://www.callawaybank.com/testimonial-category/loan/) - [Online services](https://www.callawaybank.com/testimonial-category/online-services/) - [Fraud protection](https://www.callawaybank.com/testimonial-category/fraud-protection/) - [Mortgage](https://www.callawaybank.com/testimonial-category/mortgage/) - [Auto Loan](https://www.callawaybank.com/testimonial-category/auto-loan/) ## Categories - [Holiday - Closed](https://www.callawaybank.com/hero-category/home-page/) - [Ag SUB](https://www.callawaybank.com/hero-category/ag-subpage/) - Ag subpage headers - [Homebuying/Mortgage SUB](https://www.callawaybank.com/hero-category/home-buyer-sub/) - Home buyer/Mortgage subpage headers - [Main Hero Image](https://www.callawaybank.com/hero-category/specific-home-hero/) - [Rewards Page](https://www.callawaybank.com/hero-category/rewards-page/) - [Business Banking home hero](https://www.callawaybank.com/hero-category/business-banking-home-hero/) - [Digital Banking - Personal](https://www.callawaybank.com/hero-category/personalaccounts-subpages-tech/) - [MTM](https://www.callawaybank.com/hero-category/mtm/) - [Autobooks](https://www.callawaybank.com/hero-category/autobooks/) - [MORTGAGE SPECIAL OFFER](https://www.callawaybank.com/hero-category/mortgage-special-offer/) - [Savings - Personal](https://www.callawaybank.com/hero-category/savings-personal/) ## Categories - [business banking](https://www.callawaybank.com/promo-category/business-banking/) ## Departments - [Commercial Lenders](https://www.callawaybank.com/department/commercial-lenders/) - [Agricultural Lenders](https://www.callawaybank.com/department/agricultural-lenders/) - [Mortgage Lenders](https://www.callawaybank.com/department/mortgage-lenders/) - [Personal Bankers](https://www.callawaybank.com/department/personal-bankers/) - [Branch Management](https://www.callawaybank.com/department/branch-management/) - [Executive Management](https://www.callawaybank.com/department/executive-managment/) - [iVault](https://www.callawaybank.com/department/internal-use/) - [Business Bankers](https://www.callawaybank.com/department/business-bankers/) - [Senior Management](https://www.callawaybank.com/department/senior-management/)