Skip to AlertsSkip to Main NavigationSkip to Main ContentSkip to Contact UsSkip to Footer

Savings Accounts

Save for everything that's important to you.

Find an account that’s right for you

Whether you’re building your emergency fund or planning for something fun, we can help you grow your savings.

OZK SavingsSave more and earn entries to win $1,0001
  • $50 minimum opening deposit requirement
  • $3 monthly service fee
    • Avoid the monthly service fee by maintaining a minimum daily balance of $100 or more during the monthly statement cycle
    • Waived for the first two monthly service charge/statement cycles after account opening
  • Earns interest2
  • Up to six account withdrawals or transfers per calendar month to avoid a fee3
  • Unique mobile app savings experience4
  • Free paper statement
  • To learn how you can earn entries to win $1,000, read the FAQs or Prize Linked Savings Rules (Promotion not available in Florida)
OZK First SavingsDesigned to help kids 17 years old or younger start saving
  • $5 minimum opening deposit requirement
  • No monthly service fee
  • Earns interest2
  • Up to six account withdrawals or transfers per calendar month to avoid a fee3
  • Free paper statement

  1. Eligibility for this Prize Linked Savings Promotion requires an OZK Savings Account. Open to legal United States (U.S.) residents, residing in the states of Arkansas (AR), Georgia (GA), Texas (TX) and North Carolina (NC) who are 18 years of age or older. Void outside AR, GA, TX, NC and where prohibited. Eligibility requires an OZK Savings Account in Arkansas (AR), Georgia (GA), Texas (TX) or North Carolina (NC). Starts 12:00 a.m. Eastern Time ("ET") on 09/01/22 and ends 11:59 p.m. ET on 12/31/22. Sponsored by Bank OZK, 18000 Cantrell Road, Little Rock, AR 72223. Each $25 eligible deposit made to an OZK Savings Account is equivalent to one entry. The number of entries is limited to 10 per customer per Monthly Prize Period, from all qualifying accounts held by the Account Holder. Prize awarded as a direct deposit to the winner’s OZK Savings account. Please refer to the Prize Linked Savings Rules for further details.
  2. Interest rate is variable and may change at any time.
  3. 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 preauthorized, automatic, telephone, or online banking transfer are limited to six (6) per monthly service charge/statement cycle. The account will be charged $10.00 each monthly service charge/statement cycle the transaction limit of six (6) is exceeded. There is no transaction limit for cash withdrawals made at an ATM or in person at one of our branches.
  4. Mobile features require enrollment in Mobile and Online Banking. Availability may be affected by your mobile carrier’s coverage area. Carrier data charges may apply.

Deposits made into savings and IRA savings and money market accounts may be subject to a seven-business-day hold.

Save more to win with OZK Savings

The more you save, the more chances you could earn to win $1,000.1 Saving $1,000 is the perfect amount of money to better prepare you for the proverbial rainy day, an unexpected expense, or those special life moments.

Save Money
Save Money
For every $25 of qualifying deposits in your OZK Savings account, you will earn one entry (max 10 per month) in a monthly drawing to win $1,000.1
Earn Entries
Earn Entries
Entries are calculated by taking the total qualifying deposits made into your OZK Savings account each month and dividing by 25.1
Get Rewarded
Get Rewarded
Each month through December 2022, we'll award 25 lucky OZK Savings customers in AR, GA, TX, and NC with $1,000.1

Prized Linked Savings promotion is not available in Florida.

  1. Eligibility for this Prize Linked Savings Promotion requires an OZK Savings Account. Open to legal United States (U.S.) residents, residing in the states of Arkansas (AR), Georgia (GA), Texas (TX) and North Carolina (NC) who are 18 years of age or older. Void outside AR, GA, TX, NC and where prohibited. Eligibility requires an OZK Savings Account in Arkansas (AR), Georgia (GA), Texas (TX) or North Carolina (NC). Starts 12:00 a.m. Eastern Time ("ET") on 09/01/22 and ends 11:59 p.m. ET on 12/31/22. Sponsored by Bank OZK, 18000 Cantrell Road, Little Rock, AR 72223. Each $25 eligible deposit made to an OZK Savings Account is equivalent to one entry. The number of entries is limited to 10 per customer per Monthly Prize Period, from all qualifying accounts held by the Account Holder. Prize awarded as a direct deposit to the winner’s OZK Savings account. Please refer to the Prize Linked Savings Rules for further details.

Savings Account Perks

Whether it's an unexpected expense or a big financial goal you hope to achieve, a savings account can help. Start developing good savings habits and put your money to work:

  • Schedule one-time or recurring automatic transfers to your savings account from another Bank OZK account or another bank using Online Banking or Mobile Banking*
  • Round up debit card transactions and automatically transfer the difference to your savings account with My Change Keeper**
  • Set up Safety Link to help prevent overdraft fees***

* Online and Mobile Banking require enrollment. Restrictions and limitations apply.
** Must have an eligible Bank OZK checking and savings account. Enrollment is required.
*** Must have an eligible Bank OZK account. Enrollment is required.

Depending upon your financial goals, these other available account options may be a better fit.

  • Money Market – Interest-bearing account with easy access to funds when needed
  • CDs – A fixed interest rate and fixed term provide a predictable savings strategy
  • IRAs – Options to save for retirement with potential tax advantages*

* Subject to IRS limitations.

OPEN AN ACCOUNT ONLINE TODAY

We'll help you live your best financial life.

Let's Connect

Need assistance with something? Our Customer Care Team is available to help you Monday through Friday from 7am to 7pm CT and Saturday from 7am to 4pm CT.

By submitting this form, you agree to our privacy and terms.

Please do not enter any sensitive information such as SSN or account number in the form below.