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Association Services

Bank OZK provides best in class banking services for community associations. We understand the unique challenges that associations face and build smart, sophisticated, and tailored long-term solutions for our clients.

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Who We Are

The Bank OZK Association Services Team is dedicated to providing exceptional client service at every level.

Our experts understand the unique nature of the community association industry and the critical role we play supporting your front line efforts with residents daily. We support you!

Bank OZK is proud to provide specialized association deposit and lending services to community management associations and professionals throughout the country.

We’re here to help you win.

Bank OZK is a publicly traded bank (NASDAQ: Ticker symbol OZK).

Why Us

Benefit from Bank OZK’s knowledge and expertise in Association Banking Services including:

  • Proven Industry Expertise
  • Reserve Funds/CDARS and ICS1
  • Lockbox Services2
  • Online Banking Access3
  • Robust, flexible lending solutions

Lockbox Services

Bank OZK offers lockbox services managed & processed by our experienced team of Association Services banking professionals. We provide that personal touch to ensure that your unit owners’ payments are handled efficiently.

OZK Lockbox provides an integrated solution to meet the specific needs of property management companies and clients who manage residential & commercial associations. We make it convenient by depositing Accounts Receivable Payments directly into a specific Bank OZK checking account. We let you reap the benefits of increased accuracy while reducing postal and processing delays.

Lockbox Features include:

  • Lockbox with automated posting files
  • Competitive coupon fees
  • No fees for recurring, pre-authorized ACH payments originated by bank’s lockbox department4
  • Online access for reports and payment research5
  • Exception item processing
  • Accept online payments with credit/debit cards6

Bank OZK Online Banking

We offer 24/7/365 access to your association accounts via online banking. You will be able to review account transactions at your convenience.7

We create separate user access levels for the different roles involved in the association.

Community Association Manager and Accountants can be granted specific access to make transfers, pay bills online, and research account activity.

Board Check Signers and Board Members can have read only access to see day to day activities happening within the association accounts.

Reserve Funds

We offer competitive rates to help your association manage reserve funds. We understand the regulations that are placed on community associations. Part of the fiduciary responsibility is making sure the funds of the association are safe and protected. Your funds are covered by FDIC insurance.8

By partnering with Promontory, we can assist associations with managing the FDIC limit by opening CDARS (Certificate of Deposit Account Registry Service) and/or ICS (Insured Cash Sweep) accounts. This simple process will help eliminate multiple bank statements and the hassle of dealing with multiple banks.9

With one easy bank statement from Bank OZK, the association will be able to see all of their accounts and FDIC coverage in an easy to read format.

Learn More About CDARS
Learn More About ICS


Does your association have a special project coming up? Was there storm damage that needs to be repaired?

We offer comprehensive solutions for the lending needs of your association. Whether you have an upcoming project, repairs from storm damage, or even insurance premium financing, we offer fixed and variable rate term loans and lines of credit.10

Meet the Association Services Team

Our association services team is here to help you

Patti DuBuque, PCAM®, AMS®, CMCA®, MBA
Executive Vice President, Association Services
[email protected]
West Florida • Arkansas • North Carolina • South Carolina
Michele Ranalli
Vice President, Association Services Business Development Officer
[email protected]
Central/North Florida • Georgia • Texas
Jeff Ulm, PCAM®, AMS®, CMCA®
Vice President, Association Services Business Development Officer
[email protected]
California • New York • Southeast Florida • Alabama
  1. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS Deposit Placement Agreement. ICS, Insured Cash Sweep, and It Pays to Be Safe are registered service marks of Promontory Interfinancial Network, LLC.
  2. Subject to an Agreement with Association Sevices, terms and conditions apply. Fees apply.
  3. Available for eligible accounts at Bank OZK, enrollment required for online services.
  4. Limitations apply.
  5. Subject to an Agreement with Association Services, terms and conditions apply. Web portal administered by a third party.
  6. Online payment website administered by a third party, terms and conditions apply. Fees apply.
  7. Available for eligible accounts at Bank OZK, enrollment required for online services.
  8. Subject to FDIC coverage limits.
  9. See 1. above. An eligible deposit account at Bank OZK is required.
  10. Loans are subject to underwriting and credit approval.

Let's Connect

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