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Savings Accounts

Bank OZK helps you save today to meet your financial goals for tomorrow.

Personal Savings Account Benefits

With a variety of interest and non-interest bearing accounts, including money market accounts and CDs, your money is here to work for you:

  • Monthly or Quarterly Statements Depending on Account
  • Online Banking
  • Mobile Banking**
  • Free ATM Card*
  • Automatic Deposits & Transfers from Checking

* ATM card not available for Christmas Club.
** Carrier rates may apply.

A little here and there adds up.

Account options that simplify savings.

Compare Account Options

  • Personal Savings

  • Earn interest on your entire balance
  • $100 minimum opening balance
  • A $3 monthly service charge will be imposed if the balance in the account falls below $100 any day of the monthly statement cycle
  • Earn interest on entire collected balance
  • Transaction limitations apply ††
  • Unlimited cash withdrawal made at an ATM or in person at one of our branches
  • First Savings

  • For our young savers*
  • $5 minimum opening balance
  • No minimum balance and no monthly service fee
  • Earn interest on entire collected balance
  • Transaction limitations apply ††
  • Unlimited cash withdrawal made at an ATM or in person at one of our branches
  • Christmas Club

  • It’s never too early to start saving for the holidays!
  • $25 minimum opening balance
  • No minimum balance and no monthly service fee
  • Non-Interest Bearing Account
  • Quarterly Statements
  • A check with the full balance of the account will be mailed on November 3rd**
  • Account will be funded again with the next automatic or manual deposit
  • Transaction limitations apply
  • Health Savings†

  • A tax-exempt savings account to pay for qualified medical expenses when you’re covered under a high-deductible health plan (HDHP)
  • $100 minimum opening balance
  • $1,000 minimum balance. $3 monthly service fee will apply if daily balance falls below the minimum balance any day of the statement period. Monthly service charge waived for the first six months after account opening
  • Variable interest rate on entire collected balance. Earnings from interest are tax-free
  • Can be used for health insurance premiums when between jobs
  • After age 65 funds can be withdrawn for any purpose without penalty (Taxes may apply)

* First Savings is available for children aged 17 years and younger. The account will be transferred to a regular savings account when the child turns 18.
** One withdrawal per year when funds are distributed to the customer on November 3rd. If November 3 falls on a weekend, the payment will be made on the first business day following November 3. $10 fee for each additional withdrawal, assessed on last business day of the month.

†† TRANSACTION LIMITATIONS: Debit card payments, internet bill payments, wire transfers, checks, drafts and similar orders, as well as transfers from this account to another account by pre-authorized, automatic, telephone, mobile, or online banking transfer are limited to six per statement cycle. The account will be charged $10 each statement cycle the transaction limit is exceeded. There is no transaction limit for cash withdrawals made at an ATM or in person at one of our branches.
† Not all high-deductible plans are HSA-eligible. It is the account holder's responsibility to check with his/her insurer to make sure their HDHP is HSA-eligible. HSAs can only be in the name of one individual with one individual signing. If the HDHP is for family coverage, each spouse can open their own HSA and split the contributions to meet the deductible equally, or however they both agree. HSAs will only have inquiry access on Online Banking. HSA accounts do not have overdraft protection. Transactions will be declined for insufficient funds and checks that overdraw the account will be returned.

Saving for Tomorrow Begins Today.

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