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.
Open OnlineChecking Account Benefits
Regardless of your choice, all of our checking accounts come with a great range of benefits:
- Unlimited Check Writing
- eStatements
- Online Bill Pay***
- Online Image Statements
*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
My Choice Checking
Value-loaded account with no monthly service fee
- $100 minimum opening balance
- Your choice of one bonus feature: Four free nationwide ATM transactions per
month**, Free IDProtect
service†, or Earn Interest
on your balance*** - If you choose to open your My Choice Checking account online, the four free nationwide ATM transactions per month is the only available bonus feature
- Open Online Now
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
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 average 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
- $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.
**Rebates will be issued for the first four ATM charges incurred per statement cycle for using a non-proprietary ATM in the continental USA. Rebates paid on the same day the ATM charge is assessed.
***Interest rate is variable and subject to change.
†The insurance offered is not insured by FDIC or any federal government agency and is not a deposit of or guaranteed by the Bank or any Bank affiliate. May go down in value. Terms and Conditions may apply.
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