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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
  • eStatements
  • Online Bill Pay***
  • Online Image Statements
  • Debit Card*
  • Online Banking
  • Mobile Banking**
  • 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.

Bank OZK Visa® Debit Cards

Accessing your money has never been easier with your Bank OZK VISA® Debit Card. With every checking account receiving the first card for free, you can be sure you can shop online, in-person, and over the phone everywhere VISA is accepted.

Read More About Visa® Debit Cards
  • Added security with Chip Technology
  • Make your card unique with My Custom Debit Card*
  • Enroll in My Change Keeper and watch your savings grow every time you use your debit card
  • Avoid having your card declined by signing up for Bounce Proof Plus**
  • Instant Issue at all branch offices***
  • Add to your Mobile Wallet for even more accessibility
  • *Fee for My Custom Debit Card is $5
    **An overdraft fee of $35 per item will apply, whether the overdraft is caused by check, in-person withdrawal, or electronic means
    ***My Custom Debit Card is not issued instantly

Custom Debit Cards

You're uniquely you and your debit card should be too.

Create Your Custom Debit Card Today

Lost or Stolen Debit Card?

If your debit card has been lost, stolen or you believe it has been compromised in any way, call for assistance as soon as possible.

1-800-472-3272

Want to Change Your Card PIN Number?

To change your pin number, please visit any Bank OZK ATM or call for assistance.

1-888-217-3668

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

    Eligibility:

  • 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  • This benefit may be withdrawn at the Bank’s discretion.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: Pathway, Representative Payee, Estate, Health Savings Accounts, EPA, Minor, and Money Market checking accounts.
  • 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

Safety Link

Safety Link will automatically transfer funds from a linked Savings, Checking, Money Market, or Line of Credit account at Bank OZK to another deposit account. The fee for Safety Link is $10.00 per transfer. Safety Link transfers the amount required to cover the presented item plus $10.00 to cover the transfer fee, which leaves the account at a $0.00 balance after the transfer.

To enroll in Safety Link, please visit the Bank OZK Branch nearest you.

Mobile Wallets

Mobile Wallets let you pay with your Bank OZK VISA® debit card at participating merchants in-store and in-app directly from your Samsung®, Apple®, or Android™ device. You never even have to hand over a card and your personal information stays more secure.

Read More About Mobile Wallets
Apple Pay Logo

Apple Pay

Add your Bank OZK debit card to make purchases using Apple Pay™ in-store and in-app with your eligible iPhone or Apple Watch™.

Learn More About Apple Pay

Click "Learn more about Apple Pay" to see complete list of compatible devices. Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are a trademarks of Apple Inc.

Google Pay Logo

Google Pay

Add your Bank OZK debit card to make purchases using Google Pay™ in-store and in-app with your eligible Android device. Download the Android Pay app to get started.

Learn More About Android Pay

Android Pay Logo

Android Pay is available for any NFC- and HCE-enabled Android device running KitKat 4.4+. Android and the Android Logo are trademarks of Google Inc.

Samsung Pay Logo

Samsung Pay

Add your Bank OZK debit card to make purchases almost anywhere using Samsung Pay™ in-store and in-app with your eligible Samsung device. Download the Samsung Pay app to get started.

Learn More About Samsung Pay

Android Pay Logo

Click "Learn more about Samsung Pay" to see complete list of eligible devices. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Travel Notifications

Want to keep your account safe and secure while traveling? The power is yours with CardNotify! Monitor and manage your finances from anywhere.

Read More About Travel Notifications

    CardNotify

    Fraud control at your fingertips. Just update your contact information to allow the receipt of fraud text notifications.

  • Greater risk mitigation
  • Faster communication with cardholder to alert potential fraud

Lost or Stolen VISA Debit Card?

If your debit card has been lost, stolen or you believe it has been compromised in any way, call for assistance as soon as possible.

1-800-472-3272

Want to Change Your PIN Number?

To change your pin number, please visit any Bank OZK ATM or call for assistance.

1-888-217-3668

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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