Personal Digital Banking The Callaway Bank

Bank When and Where You Want

The Callaway Bank Digital Banking allows you to bank on the go, from virtually anywhere. You will have quick access to manage your personal accounts.

In-App or online, check your balances, pay bills, transfer money, set up eAlerts, build a budget, and even locate ATMs and banking centers. Our Mobile Banking App is fast, secure, and free for Android™, iPhone^®, and iPad™.

Features:

Mobile Check Deposit Mobile Check Deposit Video
Set up and manage eAlerts
Check account balances
Review transaction history
Transfer funds between accounts
Send money person-to-person
View and sign up for eStatements with check images

Download the Callaway Bank Mobile App from your app store today and bank virtually anytime, anywhere!
With Mobile Check Deposit (in-app), you’ll have the ability to deposit checks from camera-equipped smartphones and tablets, saving you time and providing quicker access to funds.

Enroll Now!
Digital Banking User Guide
Digital Banking Demo Site

Account Alerts

A wide range of valuable, time-saving updates about your account.

Learn More

Online Bill Pay

Save time by setting up automatic bill payments.

Learn More

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Mobile Banking App FAQs

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 that support the minimum browser requirements. US Cellular only allows web access on smart phones.

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 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 that support the minimum browser requirements. US Cellular only allows web access on smart phones.

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.

Where is this service available?

The Callaway Bank Mobile Banking App is available wherever your mobile carrier allows service.

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.

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?

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.

Mobile Check Deposit FAQs

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.

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

What account types are eligible for mobile check deposit?

Checking, Savings, Prepaid, and Money Market accounts.

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 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?

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?

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?

We use multiple layers security technology and advanced encryption to ensure your information is protected through a secure connection to the bank. Additionally, neither your check images nor your banking information is ever stored on your device. Below you’ll find a more detailed outline of the security measures used to protect you:

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

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

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

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.

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 the following: Approved – A message stating that “Check # xxx in the amount of $xx.xx has been approved” will be sent before the end of the business day. Rejected – A message stating that “Check # xxx in the amount of $xx.xx has been declined” will be sent before the end of the business day. Duplicate – If a check has already been deposited, the duplicate will be automatically rejected. Expect an email like: “This check was not accepted. It is a duplicate of a previously deposited check. Please contact us at 573.642.3322 for assistance if needed.” Please note that if your deposit was made after 5:00 pm on a business day you’ll receive the above communications on the following business day.

Personal Online Banking FAQs

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.

What do I need to be able to use Callaway Bank Digital Banking?

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 to ensure optimal performance and security.

How secure is Callaway Bank Digital Banking?

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 available on our web site under “Security Statement”.

How do I sign up for Digital Banking?

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 click on “Continue” and let’s get started. This is an easy 4 step process that will walk you through setting up your Digital Banking. You will need your account number to set up User ID and Password.  Read and agree to the terms and conditions.

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!

What accounts may I access through Digital Banking?

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 if they may be made available to you online. We allow transfers between your own accounts, but reserve the right to limit transfers on some types of accounts.

When may I use Callaway Bank Digital Banking?

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 a few days in advance.

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.

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 you’re on vacation or forgetting to mail a payment!

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.

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.

Who can’t 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 scheduled at your own risk.

How do I login to Digital 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.

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 Name and Address; The company or person’s name and your account number with them, if available; the payment amount; the delivery date. If you added a memo to your payment, the info is printed on the memo line of the check.

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, the money is withdrawn when the company or person deposits or cashes the check.

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.

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?

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 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.

How do I know I’m at the valid Digital 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 locked pad lock in the web address. All The Callaway Bank sites will be secure. You can access this site by using the “Login” button at the top right of the home page of callawaybank.com, or you can use the specific URL: https://callawaybank.myebanking.net/#/ If you ever have questions or concerns the site you are on is not a valid Callaway Bank site, please contact the Customer Care Team at customercare@callawaybank.com or 573-642-3322, 573-447-1771, or 800-446-226 Monday – Friday 7:00 a.m. – 1:00 a.m.; Saturday 8:00 a.m. – 2:00 p.m.

Can I access Digital 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 encourage you to register only the computers you routinely use and not register public systems.

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.

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.

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.

Find more frequently asked questions

Personal Digital Banking – in-app or online!