Bank OZK


Overview / Commentary
800-274-4482
18000 Cantrell Road
Little Rock, AR 72223

Written by Jessica Merritt | Edited by Rebecca Stropoli | Published on 2/19/2025

Bank OZK is a regional bank based in Little Rock, Ark., and founded in 1903. The bank, previously known as Bank of the Ozarks, serves not only Arkansas but also Florida, Georgia, North Carolina, Tennessee and Texas, with more than 200 branch locations. Products include checking accounts, savings accounts, certificates of deposit (CDs), loans and credit cards.

Checking:
Among the checking options are an interest-earning account, a rewards account and a checkless account with lower fees. Minimum opening deposit requirements for checking accounts range from $25 to $50.

Savings:
Bank OZK’s savings account allows you to round up debit card transactions and automatically transfer the difference to your savings account. The account requires a $50 minimum opening deposit and charges a $3 monthly service fee that is waived for the first two monthly cycles after opening and then by maintaining a minimum daily balance of $100 or more.

Savers can access money market, retirement and education savings accounts. The bank also offers CDs with a minimum $1,000 opening deposit and terms from seven days to five years.

Business banking:
The bank offers business checking, savings and money market accounts. These accounts charge a monthly service fee, with a waiver available.

For general banking, you can set up a Safety Link to transfer funds from a linked savings, checking, money market or line of credit account to another BankOZK account to prevent overdrafts.

Online/mobile banking:
Customers can use Bank OZK’s online and mobile banking platforms to view account balances and transactions, transfer funds and deposit checks, manage debit card settings, and receive real-time alerts. Secure login options such as face or touch ID are available.

Service:
Customer service is accessible via branch locations, with phone support from 7 a.m. to 7 p.m. Central time Monday through Friday and from 7 a.m. to 4 p.m. CT Saturday. You can also request assistance through an online contact form.

Bank OZK pros and cons

Pros:
• Delivers in-person service at regional branch locations
• Offers diverse personal banking products for various financial needs
• Provides digital banking with online and mobile platforms for account management

Cons:
• Lacks high-yield options
• Limits branches to select states
• Yields low interest on savings account

Reviews (1)

Bad Business

RUN RUN RUN from this bank when looking for a loan!!!! They sit on your money and refuse to release your title even days after the loan has been satisfied in cash!!!! NEVER HAVE HAD SUCH A HORRIBLE EXPERIENCE WITH A BANK!!! i AM ONLY GIVING THEM ONE STAR RATING BECAUSE IT WILL NOT LET ME SUBMIT THE REVIEW WITHOUT IT.
THEY ARE A ZERO! Subject is too short, OK, Google them they are losing money. Again I will tell everyone,
I post it everywhere " DO NOT DO BUSINESS with this bank! They should be ashamed of of the way they conduct business.



Health
A+

Health Grade Components

Overall
FDIC Certificate #110
Year Established1903
Employees3028
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.96%
Return on Equity - YTD13.21%
Annual Interest Income$2.65B
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$38.26B$34.24B
LoansQ4 2024vs Q4 2023$29.5B$26.12B
DepositsQ4 2024vs Q4 2023$31.04B$27.41B
Equity CapitalQ4 2024vs Q4 2023$5.71B$5.14B
Loan Loss AllowanceQ4 2024vs Q4 2023$465.5MM$339.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$129.7MM$65.1MM
Real Estate OwnedQ4 2024vs Q4 2023$68.3MM$60.6MM
Rates
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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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Bank OZK Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-OZK Savings

Bank OZK Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-OZK Interest+ Checking

Bank OZK CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$1k-7 Month CD Special
4.15%$1k-13 Month CD Special
0.20%$1k-24 Month CD
0.12%$1k-12 Month CD
0.05%$1k-6 Month CD
Locations

Availability

Savannah Area

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