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Personal Checking Accounts

Simple solutions that give you access to your money and make your life easier

Find an account that's right for you

Bank OZK offers a range of checking accounts to meet your unique needs. From those needing the essentials to those seeking more sophisticated perks, we have an account for you.

OZK CheckingDrive your everyday finances with ease
  • $50 minimum opening deposit requirement
  • $7 monthly service fee
    • Avoid the monthly service fee by using your Bank OZK Debit card 10x during the monthly statement cycle* OR by maintaining a $500 average daily balance
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements1
OZK Interest+ CheckingLet your money thrive
  • $50 minimum opening deposit requirement
  • $12 monthly service fee
    • Avoid the monthly service fee by maintaining a $2,500 average daily balance
  • Earns interest2
  • OZK Perks
    • Free 1st order of wallet-style checks
    • Free incoming wire transfers
    • Three free cashier's checks
    • Four rebates for non-Bank OZK ATM transactions3
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements1
OZK Bonus CheckingStrive for more with bonus insurance and rewards
  • $50 minimum opening deposit requirement
  • $5 monthly service fee
  • OZK Perks
    • $10,000 Accidental Death & Dismemberment Insurance4
    • $2,500 Identity Theft Reimbursement Coverage4
    • $hopping Rewards™
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements1

Online account opening for personal checking, savings or money market accounts, coming soon!

  1. A $2.00 paper statement fee will apply each statement cycle unless you enroll to receive free eStatements. Enrollment in Online Banking is required to receive eStatements.
  2. Interest rate is variable and may change at any time.
  3. Fees for the first 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.
  4. 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.

* Have 10 or more posted debit card transactions in the monthly statement cycle. Only signature point-of-sale (POS) or PIN-based debit transactions will be counted. ATM transactions do not qualify.

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

* Mobile features require enrollment in Online and Mobile Banking.
** Enrollment in Online Banking is required to receive eStatements.
*** Zelle requires enrollment.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

OZK Pathway Checking

If you are looking for an account to help get you back on the right financial path, this account may be for you.

  • $50 minimum opening deposit requirement
  • $10 monthly service fee
  • Free paper statement

Contact your local branch for more information.

Overdraft Protection

A benefit of your checking account, overdraft protection is there to protect you from returned checks. Instead of returning the checks, we will automatically pay them for you, up to your security limit.

Read More About Overdraft Protection


  • Bounce Proof Security is a benefit of most personal checking accounts.
  • This benefit may be withdrawn at the Bank’s discretion.
  • New accounts must remain in good standing and maintain a positive balance for at least 30 days to be eligible.
  • You must enroll in Bounce Proof Plus in order for ATM & Debit transactions to be paid into overdraft.
  • Personal checking accounts that are not eligible for Bounce Proof Security are: OZK Pathway, Representative Payee, Estate, EPA, Minor, and OZK Money Market.
  • Read More about Overdraft and Nonsufficient Fund Fees.

How it works:

  • Bounce Proof Security will generally pay overdrafts up to your limit, with a maximum overdraft of $500.
  • An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means.
  • Overdrafts must be repaid within 30 days.
  • Your account will be charged the $35 overdraft fee only for the first six overdraft items each business day. Any overdraft items after the first six on any one business day will not be charged an overdraft fee.
  • If your account is overdrawn by $5.00 or less, an overdraft fee will not be charged. If the item that overdraws your account is $5.00 or less, an overdraft fee will not be assessed.
  • Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing.*

*Good standing includes at least: making regular deposits consistent with your past practices; not being in default on any loan obligation to the Bank; not being subject to any legal or administrative order or levy.

Bounce Proof Plus

In addition to the features of Bounce Proof Security, enrollment in Bounce Proof Plus allows account holders to use overdraft protection for everyday debit card and ATM transactions. There is no enrollment fee for Bounce Proof Plus enrollment. An overdraft fee of $35 per item will apply if you overdraw your account using your ATM or Debit Card.

Bounce Proof Plus Enrollment Form


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