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Savings Accounts

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

PersonalSavingsSavings Accounts

Personal Savings Accounts

With a variety of savings accounts, we have options to help you save for those unexpected expenses or other financial goals you hope to achieve. 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

* Restrictions and limitations apply. Fees may apply.

** Must have an eligible Bank OZK checking and savings account. Enrollment is required.

Personal Savings

A savings account allows you to accumulate funds outside of your checking account, making it easier to save for fun things like a new laptop, car or vacation. It is also the first step to build an emergency fund for those unexpected expenses.

Discover more about a Personal Savings Account
  • $100 minimum opening balance
  • Earns interest on entire collected balance
  • As long as your daily balance does not fall below $100 any day of the month, you will not receive the $3 monthly service charge
  • Unlimited cash withdrawals can be made in person at one of our branches or at an ATM
  • Transaction limitations may apply*
  • Interest rate is variable

* 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 in which the transaction limit is exceeded. There is not a transaction limit for cash withdrawals made at an ATM or in person at one of our branches.

First Savings*

Introducing the concept of saving is important, especially for children. The First Savings account is a perfect way to start instilling those positive saving habits for children 17 years old or younger.

Discover More About a First Savings Account
  • $5 minimum opening balance
  • No minimum balance and no monthly service fee
  • Earns interest on entire collected balance
  • Unlimited cash withdrawals can be made in person at one of our branches or at an ATM
  • Transaction limitations may apply**
  • Interest rate is variable

* 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.
** 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 not a transaction limit for cash withdrawals made at an ATM or in person at one of our branches.

Christmas Club

Plan ahead for holiday expenses and start saving today with a Christmas Club account. It allows you to make deposits throughout the year. You’ll receive a check with your balance just in time to start holiday shopping!

Discover More About a Christmas Club Account
  • $25 minimum opening balance
  • No minimum balance and no monthly service fee
  • Non-interest bearing
  • A check with the full balance of the account will be mailed on November 3
  • Account will be funded again with the next automatic or manual deposit
  • Transaction limitations apply

* One withdrawal per year when funds are distributed to the customer on November 3. If November 3 falls on a weekend, the payment will be made on the first business day following November 3. A $10 fee for each additional withdrawal will be assessed on the last business day of the month.

Health Savings Account

An HSA allows individuals with a high-deductible health plan (HDHP) to pay for qualified medical expenses from a tax-exempt account. Unlike a Flexible Spending Account, an HSA allows unused balances to carry over from year to year.

Discover More About Health Savings Accounts
  • $100 minimum opening balance
  • As long as your balance does not fall below $1,000 any day in the cycle, you will not receive the $3 monthly service fee
  • Monthly service charge is waived for the first six months after account opening
  • Earns a 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)
  • Terms and conditions apply and will be provided at account opening

* Subject to IRS rules.

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

  • Money Market – Interest-bearing accounts 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.

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