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.
- $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 service fee cycle
- Waived for the first two monthly service fee cycles after account opening
- Earns interest2
- Up to six account withdrawals or transfers per monthly service fee cycle to avoid a fee3
- Unique mobile app savings experience4
- Free paper statement
- To learn how you can earn entries to win $25,000, read the Greater Savings Rules and FAQ (Promotion is available in Arkansas (AR), Georgia (GA), Texas (TX) and North Carolina (NC) only.)
- $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
- Eligibility for this Greater Savings Prize Linked Savings Account Promotion requires an OZK Savings Account or Personal 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. Starts 12:00 a.m. Eastern Time (“ET”) on 01/01/25 and ends 11:59 p.m. ET on 12/31/25. Sponsored by Bank OZK, 18000 Cantrell Road, Little Rock, AR 72223. Each $25 eligible deposit made to an OZK Savings Account or Personal Savings Account is equivalent to 1 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 winners OZK Savings Account or Personal Savings Account. For complete rules visit ozk.com/greatersavings.
- Interest rate is variable and may change at any time.
- 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, mobile, or online banking transfer are limited to six (6) per monthly service fee cycle. The account will be charged $10.00 each monthly service fee 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.
- Mobile features require enrollment. 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.
Healthy Habits Lead to Greater Savings
Save More
Here's a way for you to win for those small (but mighty) milestones. Each month through December 31, 2025, for every $25 of qualifying deposits in your OZK Savings account or Personal Savings account, you will earn one entry (max 10 per month) in a monthly drawing to win $25,000!*
Win More
Want to know the best part? You're automatically enrolled in the promotion when you open an OZK Savings account. Start saving today and track your entries with Online & Mobile Banking** so you can be the ONE lucky client to win BIG every month!
Promotion is available in Arkansas (AR), Georgia (GA), Texas (TX) and North Carolina (NC) only.
*Eligibility for this Greater Savings Prize Linked Savings Account Promotion requires an OZK Savings Account or Personal 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. Starts 12:00 a.m. Eastern Time (“ET”) on 01/01/25 and ends 11:59 p.m. ET on 12/31/25. Sponsored by Bank OZK, 18000 Cantrell Road, Little Rock, AR 72223. Each $25 eligible deposit made to an OZK Savings Account or Personal Savings Account is equivalent to 1 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 winners OZK Savings Account or Personal Savings Account. For complete rules visit ozk.com/greatersavings.
**Mobile and Online Banking require enrollment. Mobile banking availability may be affected by your mobile carrier’s coverage area. Carrier data charges may apply.
Savings Account Perks
Whether it's an unexpected expense or your next vacation, a savings account can be a great tool to reach your financial goals. By developing healthy savings habits today, you can maximize your money while minimizing your effort:
- 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.
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