Bank OZK

Overview / Commentary
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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BANK OZK 2.25% APY 8-Month CD Special - 7/14/2019

Personal CD 2.25% Annual Percentage Yield (APY) as of 07/15/2019 Available Terms SPECIAL 8 MO Fixed rate account. No fees for opening or maintaining the account. A Penalty Will be Imposed for Early Withdrawal Safe, Secure, and FDIC Insured. 7 Day Hold for Initial ACH Deposit $1,000 Minimum to Obtain Advertised APY Seen in Houston Chronicle - Houston/Harris County only

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Reviews (6)

Bank OZK Is A Great Bank

Posted by: ALTOID | Jun 3, 2019

Bank OZK is a great bank! I started with them in GA and they now have a branch here in FT. Lauderdale. They have been buying up other banks. I just hope they don’t get bout by a big bank. Great personal service.

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.

This Bank Is Allowed To Take Money From You

Posted by: cooldht | Apr 26, 2019

I have been with this bank for 21 years, and that will be coming to an end soon. A few years ago, my stepson opened and account with this bank. I became a signer on this account, and connected it to my online banking, so that I could transfer money to his account if he was ever in a bind. Recently, he lost his job. Although we told them that this account is never to be allowed to overdraft, it over drafted anyway. After some time, they took the money from one of my other accounts to pay the overdraft in this account, without notifying me that the did this action. In my opinion, this is stealing. The last straw is that the bank does not care about it's customers anymore, and will not work with them on anything whatsoever. Perhaps they did when I originally opened the account, because they were a smaller institution. Now, the owner owns a house that is ridiculously large, and has a carriage house larger than my own to keep his 10 cars out of the weather. I am dedicating the rest of my life to exposing this unscrupulous organization to the community.


Health Grade Components

FDIC Certificate #110
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.94%
Return on Equity - YTD11.4%
Annual Interest Income$592.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$22.96B$22.22B
LoansQ2 2019vs Q2 2018$17.38B$16.66B
DepositsQ2 2019vs Q2 2018$18.19B$17.90B
Equity CapitalQ2 2019vs Q2 2018$3.99B$3.61B
Loan Loss AllowanceQ2 2019vs Q2 2018$106.6MM$104.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$66.9MM$50.9MM
Real Estate OwnedQ2 2019vs Q2 2018$32.9MM$20.3MM
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Bank OZK Savings Account Rates

0.05%$100-Personal Savings

Bank OZK Money Market Rates

2.15%--Investors Choice Money Market - TN Only

Bank OZK CD Rates

2.10%$1k-11 Month Online CD Special - TN Only
2.10%$1k-10 Month Online CD Special
1.75%$1k-24 Month Online CD - TN Only
1.31%$1k-12 Month Online CD - TN Only
1.05%$1k-6 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


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