Personal Checking Accounts

Bank OZK offers a wide range of checking accounts to meet your unique needs. From those needing basic services to those seeking more detailed service and style, we have an account for you.

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Checking Account Benefits

Regardless of your choice, all of our checking accounts come with a great range of benefits:

  • Unlimited Check Writing
  • Debit Card*
  • eStatements
  • Online Banking
  • Online Bill Pay***
  • Mobile Banking**
  • Online Image Statements
  • Toll-Free Telephone Banking

*Replacement card fee $5.
**Carrier rates may apply.
***Free for the first 15 payments per login ID each calendar month; $0.50 for each payment thereafter.

Compare Account Options

  • Bonus
    Checking
  • Premium with Rewards
  • $100 minimum opening balance
  • Up to $10,000 Accidental Death & Dismemberment Insurance (coverage divides equally on joint accounts and reduced by 50% at age 70)*
  • Up to $2,500 Identity Theft Expense Reimbursement Coverage* for expenses associated with restoring your identity*
  • Exclusive local merchant savings and cash back rewards for online debit purchases
  • Fully Managed Recovery - A dedicated fraud specialist assigned to manage your case
  • Non-Interest Bearing Account
  • $5 monthly service fee
  • Free
    Checking
  • No monthly service fees
  • $100 minimum opening balance
  • Non-Interest Bearing Account
  • No minimum balance and no monthly service fees
  • My Choice Checking
  • Value Loaded Free Account
  • $100 Minimum Opening Balance
  • Same great features as our Free Checking, plus these additional features
  • With Direct Deposit you qualify for one bonus feature. Choose between free nationwide ATM Access**, Free IDProtect†, or earning interest on your balance.
  • Heritage Checking
  • For clients 50+
  • $100 minimum opening balance
  • Unlimited free wallet style checks
  • No-Fee Cashier’s Checks (limit of 3 per month)
  • Non-Interest Bearing Account
  • $300 minimum daily balance for the statement period or $6.25 monthly service fee will apply
  • MaxYield Checking
  • Earns interest monthly with unlimited access to funds
  • $1,000 minimum opening balance
  • First order of checks at no charge
  • Earn competitive interest on entire balance with a rate higher than most Money Market accounts
  • $1,000 minimum daily balance during statement cycle or $12 monthly service fee will apply
  • Pathway Checking
  • If other banks have turned you down, Pathway Checking may be right for you
  • $50 minimum opening balance
  • Non-Interest Bearing Account
  • No minimum balance
  • $10 monthly service fee

*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 of any Bank Affiliate and are not insured by the FDIC or Any Federal Government Agency.
**Limited to four free uses per month. Rebates paid on the same day the ATM charge is assessed.

†IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners, and their eligible family members. The service is available to non-publically traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age, and parent(s) of the account holder who are residents of the same household.

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