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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.

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1.61% 13 Month CD Special In South Florida - 10/1/2017

Oct 1st Sun Sentinel ad 13 month CD at 1.61% APY (used to be 1.55% last month) Special Rate Offer available at 600 South Andrews Ave 954-767-9991 $10,000 minimum Funds must come from a source outside Bank of the Ozarks Offer good at Miami/Ft. Lauderdale locations only bankozarks.com/cdfort I checked out this web page, and it still lists 1.55%. Not sure of the bank is slow on updating their pages or if the ad might be a mistake

1.55% 13 Month CD Special In Fort Lauderdale - 8/7/2017

in the Sunday Sun Sentinel 13 month CD at 1.55% APY Special Rate Offer available at 600 South Andrews Ave 954-767-9991 $10,000 minimum Funds must come from a source outside Bank of the Ozarks Offer good at Ft. Lauderdale location only

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Reviews (4)

Review of banking with Bank of the Ozarks.

I initially opened a checking account with this bank when it was Community and Southern Bank. They were bought out by Bank of the Ozarks about 2 yrs. ago. I have had nothing but excellent service from this bank. When I opened my checking account I was given a free safe deposit box for one year. I can go online and transfer funds between checking and savings and between banks easily. The joy of banking locally is apparent every time I go to the lobby. The tellers fill out my deposit slips and know me by first name. I draw a small interest from my debit transactions and they even notorized documents for me once, no charge. Foreign ATM fees are refunded back to my account. I use direct deposit so there is no monthly fee. This is a great bank.

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.

Terrible Buisiness Practices

I have a loan that their bank assumed and now short of mailing off a check that is liable to get lost in the mail they charge for everything. Every other place that I do a banking account transfer has no charge. I could understand fees if I'm paying with a card that back charges the bank, but charging time and time again for "convenience" fees shows how dated that this banks practices are as a whole; and how they want to get their customers for every penny. I will be transferring my loan to a different company that's practices are aligned with the technology of today.


Health Grade Components

FDIC Certificate #110
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.86%
Return on Equity - YTD11.42%
Annual Interest Income$683.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$20.77B$18.43B
LoansQ3 2017vs Q3 2016$15.69B$14.09B
DepositsQ3 2017vs Q3 2016$16.82B$15.14B
Equity CapitalQ3 2017vs Q3 2016$3.33B$3.07B
Loan Loss AllowanceQ3 2017vs Q3 2016$86.8MM$69.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$62.4MM$66.6MM
Real Estate OwnedQ3 2017vs Q3 2016$27.7MM$43.7MM

Sorry, we do not have rate data for Bank of the Ozarks.