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.
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
month1, Free IDProtect
service2, or Earn Interest
on your balance3 - 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
- $2 monthly paper statement fee, or sign up for free eStatements4
- 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)5
- Up to $2,500 Identity Theft Expense Reimbursement Coverage for expenses associated with restoring your identity5
- 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
- $2 monthly paper statement fee, or sign up for free eStatements4
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
- 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.
- 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.
- Interest rate is variable and subject to change.
- Enrollment in Online Banking is required to receive eStatements.
- 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.
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