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Online Security & Privacy

At Bank OZK, protecting your information and assets is top priority. As fraud schemes evolve and become more sophisticated, the best way to be safe is to stay informed about the current trends.

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Bank Safely Online

Here are some proactive tips for keeping your bank account safe:

  • Don’t leave personal items like your wallet or purse in your car.
  • Don’t leave outgoing mail in your mailbox with the flag up. It is a notice to thieves that you may have checks in your mailbox.
  • Don’t write down PIN’s or logins. Memorize them.
  • Put a password on your account that only you know.
  • Use caution with public unsecured Wi-Fi. Criminals may be waiting to access your device.
  • Notify your bank as soon as you think your identity may have been compromised.
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Online Banking Security

Bank OZK’s online banking systems bring together a combination of industry proven security technologies to protect data for the bank and for you, our customer. Some of these features include transmission security, which addresses the need to keep unauthorized agents from intercepting and/or deciphering the transmission of customers’ encrypted data while it travels between the customer’s computer and the Bank OZK (“Bank”) server environment and various other state of the art security technologies working behind the scenes to help insure your data remains safe.

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Identity Theft

More than 27 million Americans have experienced identity theft, and that number is growing every year. Just as your home, automobile or personal safety can be at risk from criminals, so can your financial information. Bank OZK has substantial security measures in place to protect your identity and accounts.

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Phishing (pronounced 'fishing') is a scam employed by cybercriminals to trick you into providing them with personal information that could be used to steal your identity. Bank OZK will never ask you for sensitive information via email or during a telephone conversation you did not initiate or request.

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Vishing, also known as voice phishing, is a type of cybercrime that uses the phone to steal personal information. In a vishing attack, cybercriminals attempt to persuade victims to provide personal information, typically with the goal of accessing financial accounts. Bank OZK will never ask you for sensitive information via email or during a telephone conversation you did not initiate or request.

Touch screen cell phone keyboard.


Smishing is a phishing cybersecurity attack carried out over mobile text messaging, also known as SMS phishing. Criminals want the victim to open a link within the text message, which leads to tool prompting them to disclose their personal data. This tool often comes in the form of a website or app that poses under a false identity. These schemes require very little beyond your trust and a lapse in judgment and are often successful as most people have a smartphone that is used on the go, often when you’re distracted or in a hurry.

Suspicious text message on cell phone screen


Everyday there are people attempting to identify themselves as companies to gather personal information by spoofing customers. Spoofing is when someone takes on the identity of another person to gain access to financial information, but often, those same spoofers take on the identity of companies to first get your personal information.

Complex web of personal security icons.

Deepfake AI

Deepfake AI (Artificial Intelligence) is false information presented in a formal format through social media to grab the attention of customers by using audio files and pictures that have been manipulated. This is a common practice but with new technology, cyber criminals are now able to digitally mirror information adding their twist to it.

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Check Fraud

There are many different ways to commit check fraud, but one of the most common is when criminals use forged checks to purchase merchandise or services. In some cases, victims are instructed to deposit fake checks and send a portion of the funds to another person. After the funds are withdrawn, the check is returned leaving the victim at a financial loss.

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Email Compromised

Businesses are common criminal targets. In many cases, fraudsters target employees with access to company finances and con them via email into making wire transfers into accounts that look like they belong to the company or a trusted partner, but are actually controlled by the criminal.

A person wearing a suit sits across the table, an application form and pen in front of them.

Employment Scam

Some criminals create fake job opportunities and use the application process as a way of collecting personal information from victims. Other criminals go one step further in offering applicants jobs and then requesting the victim send funds to pay for supplies, credit reports, software, or equipment.

A lottery ticket being scratched with a penny, on top of spread out one dollar bills on the table below.

Lottery Scam

Criminals sometimes contact people by phone, email, or text congratulating them on winning a lottery, sweepstakes, or contest they did not enter. The message usually states that to receive the winnings you must first pay the taxes or another type of fee in advance. They then give instructions to mail or wire the payment to an individual.

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Romance Scam

Criminals troll dating websites and social media for unsuspecting victims. They spend weeks, sometimes months, cultivating an online relationship and then begin making requests for assistance paying bills or helping relatives. Many times, victims become so invested in the relationship they are reluctant to believe it may be a scam.


Let Bank OZK know immediately if you have lost or stolen checks or cards; if you feel your user ID, password or account numbers have been compromised; or if you notice any unauthorized activity associated with any of your Bank OZK accounts. These situations should be reported by calling (800) 274-4482 (Monday-Friday 7 a.m. to 7 p.m. CT, Sat. 7 a.m. to 4 p.m. CT), contacting us via our website or stopping by your nearest branch.

The Bank OZK Online Security and Privacy resources are intended for general information and educational purposes only. They do not claim to be comprehensive, or to provide legal advice and should not be treated as a substitute for professional legal advice on individual cases on computer-related events

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