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Personal Checking Accounts

Access your money when and where you need it. Bank OZK’s checking accounts offer simple solutions that make life easier.

Explore your options

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 doing one of the following:
      • Direct deposits totaling $500 or more in the monthly service charge/statement cycle1 OR
      • Maintain an average daily balance of $500 or more OR
      • Make 10 or more purchases using your Bank OZK debit card per statement cycle2
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements3
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 interest4
  • OZK Perks
    • Free incoming wire transfers5
    • Four rebates for non-Bank OZK ATM transactions6
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements3
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 Insurance7
    • $2,500 Identity Theft Reimbursement Coverage7
    • $hopping Rewards™
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements3
Freedom Advantage CheckingA checkless account with no overdraft fees
  • $25 minimum opening deposit requirement
  • $5 monthly service fee
  • OZK Perks
    • No nonsufficient funds or overdraft fees
    • No dormancy or inactivity fees
    • No telephone transfer fee
  • $2 paper statements
    • Save $2 a month by going paperless with eStatements3
  • Account not eligible for Bounce Proof or Bounce Proof Plus
  • Checks cannot be ordered or written on account8

  1. You have electronic deposits via the ACH network (examples of ACH deposits include electronic payments such as payroll, tax refunds or interest payments) totaling $500.00 or more to the OZK Checking account in the monthly statement cycle.
  2. Only point-of-sale or signature-based debit transactions will be counted. ATM transactions will not qualify.
  3. A $2 paper statement fee will apply each statement cycle unless you enroll to receive free eStatements. Enrollment in Online Banking is required to receive eStatements.
  4. Interest rate is variable and may change at any time.
  5. All Incoming Wire Fees that post to this account are refunded within five (5) business days after the Incoming Wire Fee is assessed.
  6. Fees for the first 4 (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.
  7. 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.
  8. Checks that attempt to post to this account may be returned and incur additional fees from the check payee.

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

Overdraft protection is there to protect you from returned checks and is a benefit of most OZK checking accounts. 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, Freedom Advantage Checking, 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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