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Most Popular Bank OZK Accounts

Account TypeAPYAccount NameMinMax
CD2.55%24 Month Online CD - TN Only$1k-Details »
CD2.45%12 Month Online CD - TN Only$1k-Details »
CD2.41%17 Month Online CD - TN Only$1k-Details »
CD2.25%6 Month Online CD - TN Only$1k-Details »
Savings0.05%Personal Savings$100-Details »

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.

Related Posts

15 Month CD Special - 4/16/2018

Personal CD 2.11% Annual Percentage Yield (APY) as of 04/15/2018 Available Terms SPECIAL15 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

Bank Of The Ozarks Has Increased Their 11 Mo CD To 2.01% APY From 1.80% - 3/12/2018 Personal CD 2.01% Annual Percentage Yield (APY) as of 03/12/2018 Available Terms SPECIAL11 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

11 Mo CD Deal In South Florida 1.80% - 3/8/2018 CD Special Offer 11 Month 1.80% Annual Percentage Yield (APY) as of 3/7/18 $1,000 minimum to open 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

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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.

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 - YTD2.09%
Return on Equity - YTD12.9%
Annual Interest Income$531.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$22.22B$20.07B
LoansQ2 2018vs Q2 2017$16.66B$15.10B
DepositsQ2 2018vs Q2 2017$17.90B$16.24B
Equity CapitalQ2 2018vs Q2 2017$3.61B$3.26B
Loan Loss AllowanceQ2 2018vs Q2 2017$104.6MM$82.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$50.9MM$59.5MM
Real Estate OwnedQ2 2018vs Q2 2017$20.3MM$33.5MM
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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

2.55%$1k-24 Month Online CD - TN Only
2.45%$1k-12 Month Online CD - TN Only
2.41%$1k-17 Month Online CD - TN Only
2.25%$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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