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17901 Chenal Parkway
Little Rock, AR 72223

Bank of the Ozarks got its start in 1903 as a community bank in Jasper, Arkansas. Its second location opened in Ozark, AR in 1937. Today, Bank of the Ozarks has more than 200 branch locations in several different states. Its headquarters is in Little Rock, AR.

Bank of the Ozarks offers a range of personal depository banking products. These include personal checking, savings, money market, and Individual Retirement (IRA) accounts. All of its checking accounts feature unlimited check writing, debit cards, online and mobile banking, and overdraft protection. Its savings account options also include online and mobile banking, as well as automatic deposits and transfers from checking accounts. Currently, Bank of the Ozarks offers six different IRA options: Traditional, Roth, Educational, Simplified Employee Pension (SEP), Rollover, and Inherited. In addition to these personal deposit products, Bank of the Ozarks also offers credit cards, prepaid cards, personal loans, and mortgages.

On the business side, Bank of the Ozarks offers a range of business checking account options, each account tailored to a particular volume of transactions per month. These business checking accounts feature online and mobile banking, as well as online bill payments. Bank of the Ozarks also offers a commercial savings account, as well as two different money market account options for businesses, depending upon the opening balance. These business savings and money market accounts also feature free online and mobile banking.

Related Posts

Bank of the Ozarks Offers 13-Month CD Special - 9/13/2016

Bank of the Ozarks is offering a 13-month CD Special (1.30% APY), available only at its nine Dallas-Fort Worth Metroplex branches. Minimum deposit is $1k of new money.

Bank Of The Ozarks 13 Month CD Special In Dallas/Fort Worth - 9/11/2016

Saw this advertised in today’s Dallas Morning News 1.30% APY 13-month CD Special. Limited Time Offer Nine metroplex area locations $1,000 minimum deposit Offer good at DFW Metroplex locations only

Bank of the Ozarks Has 15-month CD Special (NYC only) - 6/17/2016

Bank of the Ozarks has a 15-month CD Special (1.36% APY), available only at its New York City branch. The minimum deposit is $1k of new money.

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Reviews (2)

Great customer service

Posted by: Andrew3 | Sep 27, 2014

No matter what service I am using, I expect three things. I rate the quality of the product, the cost, and the customer service, which can make or break a company. In short, Bank of the Ozarks does indeed meet my expectations. I have used a few of their locations, and every time I entered the bank I was treated with the utmost respect and kindness. The only reason for an overall rating of 4 is that sometimes their computers run a bit slow, causing me to wait a little while in order to deposit one check. A minor issue is the low interest rate for checking accounts, but it is comparable to other banks.

Great Service High Overdraft Fees

I like the local Bank of the Ozarks. The people are very nice there and give a personal touch. They are very eager to help. This also includes the people that call and talk on the phone. They are all very nice. The products also are very good. They offer the same checking and savings products that most other banks offer. They also have the same amount of online products as well. You can use mobile pay and things like that. They also have good online access where you can check your balance and move money around. I have also had to wire money and they have very good services with that. They allow you to interact very well with customers as well. I use them for my business and the business checking account is very good and they do not charge a fee for that if you have a good amount in the account each month. My only complaint is the fact that they charge $35 for an overdraft or for a check that is returned. This is a huge amount and is really crazy. I would hate to think how much interest that would equal. I would be better off using my local payday lender instead of that kind of charge. But I also think this is pretty standard in most banks.


Health Grade Components

FDIC Certificate #110
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.02%
Return on Equity - YTD12.8%
Annual Interest Income$662.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$18.87B$9.87B
LoansQ4 2016vs Q4 2015$14.49B$8.27B
DepositsQ4 2016vs Q4 2015$15.60B$7.99B
Equity CapitalQ4 2016vs Q4 2015$3.10B$1.56B
Loan Loss AllowanceQ4 2016vs Q4 2015$76.5MM$60.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$70.5MM$45.4MM
Real Estate OwnedQ4 2016vs Q4 2015$43.0MM$22.6MM

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Bank of the Ozarks has 243 locations. Click to view all Bank of the Ozarks locations.