Personal Checking Accounts
Access your money when and where you need it. Bank OZK’s checking accounts offer simple solutions that make life easier.
Explore your options
Bank OZK offers a range of checking and savings accounts to meet your unique needs. From those needing the essentials to those seeking more sophisticated perks, we have an account for you.
- $50 minimum opening deposit requirement
- $7 monthly service fee
- Avoid the monthly service fee by doing one of the following:
- Have direct deposits totaling $500 or more in the monthly service fee cycle1 OR
- Maintain an average daily balance of $500 or more OR
- Have ten (10) or more posted debit card transactions per statement cycle2
- Service fee will not be applied if the tax responsible owner is under the age of 253
- $2 paper statements
- Save $2 a month by going paperless with eStatements4
- $50 minimum opening deposit requirement
- $12 monthly service fee
- Avoid the monthly service fee by maintaining a $2,500 average daily balance
- Earns interest5
- OZK Perks
- Rebates for incoming wire transfers6
- Four rebates for non-Bank OZK ATM transactions7
- $2 paper statements
- Save $2 a month by going paperless with eStatements4
- $50 minimum opening deposit requirement
- $5 monthly service fee
- OZK Perks
- Up to $10,000 Accidental Death & Dismemberment Insurance8
- Up to $2,500 Identity Theft Reimbursement Coverage8
- $hopping Rewards™
- $2 paper statements
- Save $2 a month by going paperless with eStatements4
- $25 minimum opening deposit requirement
- $5 monthly service fee
- OZK Perks
- No dormancy or inactivity fees
- No telephone transfer fee
- $2 paper statements
- Save $2 a month by going paperless with eStatements4
- Account not eligible for Bounce Proof or Bounce Proof Plus
- Checks cannot be ordered or written on account9
- Direct deposits are electronic deposits via the ACH network. Examples of ACH deposits include electronic payments made via the ACH network, such as payroll, tax refunds, or interest payments. Internal transfers and deposits do not qualify.
- Only point-of-sale or signature-based debit transactions will be counted. ATM transactions will not qualify.
- The waiver is applied automatically at account opening and will be removed from the account once the tax responsible owner reaches the age of 25. (Accounts with a tax responsible owner under the age of 18 must have a parent, grandparent or guardian co-owner).
- A $2 paper statement fee will apply each statement cycle unless you enroll to receive free eStatements. Enrollment in Online Banking is required to receive eStatements.
- Interest rate is variable and may change at any time.
- All Incoming Wire Fees that post to this account are refunded within five (5) business days after the Incoming Wire Fee is assessed.
- Fees for the first 4 (four) ATM transactions using a foreign (non-Bank OZK) ATM per statement cycle will be rebated. This includes fee(s) charged by the ATM owner and fee(s) charged by Bank OZK for the transactions. ATM transactions include cash withdrawals, balance inquiries, funds transfers, payments, or any other activity. Rebates are paid on the same day the ATM fees are assessed.
- Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefits for complete details of coverage. Insurance products are not a deposit of or guaranteed by the Bank or any Bank affiliate and are not insured by the FDIC or any federal government agency.
- Checks that attempt to post to this account may be returned and incur additional fees from the check payee.
Checking Account Perks
Regardless of your choice, all of our checking accounts come with a great range of benefits:
- Bank from anywhere with Online & Mobile Banking*
- Protect your account information with eStatements**
- Pay bills electronically with Online Bill Pay
- Make purchases in-store and online with a Visa® Debit Card
- Send money to friends and family with Zelle®***
- Receive financial guidance from local experienced bankers
- 24/7/365 credit monitoring with OZK Credit Score+****
* Mobile features require enrollment.
** Enrollment in Online Banking is required to receive eStatements.
*** Zelle requires enrollment.
**** OZK Credit Score+ requires enrollment.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Let's Connect
phone1-800-274-4482
Need assistance with something? Our Customer Care Team is available to help you Monday through Friday from 7am to 7pm CT and Saturday from 7am to 4pm CT.
By submitting this form, you agree to our privacy and terms.
Please do not enter any sensitive information such as SSN or account number in the form below.