Overdraft Protection
What is Overdraft Protection?
Overdraft protection is a benefit on most OZK checking accounts to protect you from returned items. Instead of returning the items, we will automatically pay them for you, up to your security limit.
*Good standing includes at least: making regular deposits consistent with your past practices; not being in default on any loan obligation to the Bank; not being subject to any legal or administrative order or levy.
Bounce Proof Plus
In addition to the features of Bounce Proof, enrollment in Bounce Proof Plus allows account holders to use overdraft protection for everyday debit card and ATM transactions. There is no enrollment fee for Bounce Proof Plus enrollment. An overdraft fee of $35 per item will apply if you overdraw your account using your ATM or Debit Card.
Safety Link
Safety Link is a free service that automatically transfers funds from a linked savings, checking, money market, or line of credit account at Bank OZK to another deposit account at Bank OZK in the event the account does not have available funds to pay for all presented items.
To enroll in Safety Link, please visit the Bank OZK branch near you.
More Information
At Bank OZK, we want to help you get more out of your money and make smarter financial decisions. To help our valued customers, we have put together this guide, which outlines some simple steps you can take to protect yourself.
Important Information About Overdraft Fees, Declined or Returned Items & Debit Cards.