Overview / Commentary
501-978-2265
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

View all posts from:


Reviews (5)

Been a happy customer for years

Posted by: Cartnehing | May 3, 2018

I went to bank of the Ozarks eight year ago when I moved to a new city for college and I haven't looked back. Bank of the Ozarks is my primary account for both checking and savings. What sets them apart is the amazing customer service. I can walk into my local branch and the tellers know my name which make me feel great. There checking account offers many great benefits like identity theft protection and life insurance. Overall this is the best bank in my region.

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.

Steer Clear Of This Bank

Posted by: Gnichols | 19 hours ago

This is the most predatory bank I have ever dealt with the people are rude unprofessional and treat you like dirt. There are many choices for banks so I would recommend anything other than Bank ozk they are the absolute worst especially Bill. If I could put zero Stars I would.



Health

Health Grade Components

Overall
FDIC Certificate #110
Year Established1903
Employees2563
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.9%
Return on Equity - YTD11.57%
Annual Interest Income$1.10B
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$22.39B$21.28B
LoansQ4 2018vs Q4 2017$17.02B$15.95B
DepositsQ4 2018vs Q4 2017$17.94B$17.19B
Equity CapitalQ4 2018vs Q4 2017$3.77B$3.46B
Loan Loss AllowanceQ4 2018vs Q4 2017$102.3MM$94.1MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$64.7MM$58.4MM
Real Estate OwnedQ4 2018vs Q4 2017$16.0MM$24.9MM
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Bank OZK; we are a rate comparison website and cannot provide official rates or promotions.

Bank OZK Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Personal Savings

Bank OZK Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%--Investors Choice Money Market - TN Only

Bank OZK CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%$1k-10 Month Online CD Special - TN Only
2.25%$1k-6 Month Online CD - TN Only
2.20%$1k-13 Month Online CD Special
2.00%$1k-24 Month Online CD - TN Only
1.71%$1k-12 Month Online CD - TN Only
0.45%$1k-24 Month Online CD
0.18%$1k-12 Month Online CD
0.08%$1k-6 Month Online CD
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.