Personal Checking Accounts
Access your money when and where you need it. Bank OZK’s checking accounts offer simple solutions that make life easier.
Checking Account Perks
Regardless of your choice, all of our checking accounts come with a great range of benefits:
- $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 cycle5 OR
- Maintain an average daily balance of $500 or more OR
- Have ten (10) or more posted debit card transactions per statement cycle6
- Service fee will not be applied if the tax responsible owner is under the age of 257
- $2 paper statements
- Save $2 a month by going paperless with eStatements8
- Overdraft Protection
- $50 minimum opening deposit requirement
- $12 monthly service fee
- Avoid the monthly service fee by maintaining a $2,500 average daily balance
- Earns interest12
- OZK Perks
- Rebates for incoming wire transfers9
- Four rebates for non-Bank OZK ATM transactions10
- $2 paper statements
- Save $2 a month by going paperless with eStatements8
- Overdraft Protection
- $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 eStatements8
- Account not eligible for Bounce Proof or Bounce Proof Plus
- Checks cannot be ordered or written on account11
1. Mobile features require enrollment.
2. Enrollment in Online Banking is required to receive eStatements.
3. OZK Credit Score+ requires enrollment.
4. Zelle requires enrollment.
5. 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.
6. Only point-of-sale or signature-based debit transactions will be counted. ATM transactions will not qualify.
7. 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).
8. 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.
9. All Incoming Wire Fees that post to this account are refunded within five (5) business days after the Incoming Wire Fee is assessed.
10. 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.
11. Checks that attempt to post to this account may be returned and incur additional fees from the check payee.
12. Interest rate is variable and may change at any time.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2. Enrollment in Online Banking is required to receive eStatements.
3. OZK Credit Score+ requires enrollment.
4. Zelle requires enrollment.
5. 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.
6. Only point-of-sale or signature-based debit transactions will be counted. ATM transactions will not qualify.
7. 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).
8. 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.
9. All Incoming Wire Fees that post to this account are refunded within five (5) business days after the Incoming Wire Fee is assessed.
10. 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.
11. Checks that attempt to post to this account may be returned and incur additional fees from the check payee.
12. Interest rate is variable and may change at any time.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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