Bank OZK

Overview / Commentary
18000 Cantrell Rd
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

Bank OZK Offers 8-Month CD Special - 1/31/2024

Bank OZK (AR, FL, GA, NC, TX) is offering an 8-month CD Special which had a near market-leading APY. Minimum opening deposit is $1k, with no stated balance cap.

Bank OZK Ups 13 Month CD Rate To 5.60% - 10/2/2023

Bank OZK has raised the rate on their 13 month CD to 5.60% from 5.5%

Bank OZK Ups 13-Month CD Special APY To Near-Rate Leading Level - 6/30/2023

Bank OZK (AR, FL, GA, NC, TX) has upped the APY on its 13-month CD Special to a near-rate leading level. Minimum opening deposit is $1k, with no stated balance cap.

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8/3/20 - Bank OZK 10 & 13-Month CD Special Drops To 1.00% APY
7/5/20 - Bank OZK 11-Month Online CD Special Removed Replaced W/ 10-Month 1.20% APY CD Special
7/14/19 - BANK OZK 2.25% APY 8-Month CD Special
4/16/18 - 15 Month CD Special
3/12/18 - Bank Of The Ozarks Has Increased Their 11 Mo CD To 2.01% APY From 1.80%
3/8/18 - 11 Mo CD Deal In South Florida 1.80%
10/1/17 - 1.61% 13 Month CD Special In South Florida
8/7/17 - 1.55% 13 Month CD Special In Fort Lauderdale
9/13/16 - Bank of the Ozarks Offers 13-Month CD Special
9/11/16 - Bank Of The Ozarks 13 Month CD Special In Dallas/Fort Worth
6/17/16 - Bank of the Ozarks Has 15-month CD Special (NYC only)
6/16/16 - Bank Of The Ozarks 15 Month CD 1.36% APY
5/22/16 - 13 Month CD Special - 1.36% - DFW Metroplex Only
11/19/15 - Bank of the Ozarks Has 15-Month CD Special - DFW Branches Only
9/22/14 - Bank of the Ozarks High Rate 13-Month CD Special - Locally Available Only
9/21/14 - 13-Month CD Special 1.20% APY
10/3/10 - 1.41% 9-Month CD At Bank Of The Ozarks In Dallas Fort Worth
8/23/10 - 9-Month CD and Money Market Promotion at Bank of the Ozarks in Dallas - Local Only
11/27/09 - High-Yield Savings Account (5% for first $1K) at OMNIBANK in Texas - Local Only
9/8/08 - EXPIRED: 4.01% CD with Terms of 5 to 13 Months at Bank of the Ozarks in Dallas
4/17/08 - 4.07% Money Market Account in Dallas at Bank of the Ozarks
4/17/08 - 5.05% 5-Month / 5.05% 12-Month CD at a Texas Bank (Bank of the Ozarks).
8/26/07 - 5.75% 6-Month / 5.75% 12-Month CD at a Georgia Bank (Woodlands)
7/17/06 - 4.07% Checking Account at a Texas/Arkansas Bank

Reviews (7)

New Customer- Happy So Far!

Posted by: |

I called this branch to find out what their rates were for a CD and got a very friendly and knowledgeable person answering my questions. I decided to go ahead and open a CD with them and when I went to the branch my account was opened by the same person I had talked to on the phone. Their rates for what I was doing are higher than the mega banks and their customer service is way better than my current bank (Wells Fargo). They did not try and sell me anything else and seemed glad to have the new business. It felt personal here, not corporate. As I said I am new with this bank, but so far, so good. I am happy with the service, rates and overall experience.

Bank OZK Is A Great Bank

Posted by: |

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: |

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: |

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.

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 Grade Components

FDIC Certificate #110
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.24%
Return on Equity - YTD14.21%
Annual Interest Income$2.13B
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$34.24B$27.66B
LoansQ4 2023vs Q4 2022$26.12B$20.57B
DepositsQ4 2023vs Q4 2022$27.41B$21.5B
Equity CapitalQ4 2023vs Q4 2022$5.14B$4.69B
Loan Loss AllowanceQ4 2023vs Q4 2022$339.4MM$208.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$65.1MM$48.8MM
Real Estate OwnedQ4 2023vs Q4 2022$60.6MM$6.1MM
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† 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

0.20%--OZK Savings

Bank OZK Checking Account Rates

0.20%--OZK Interest+ Checking

Bank OZK CD Rates

5.30%$1k-8 Month CD Special
5.00%$1k-13 Month CD Special
0.20%$1k-24 Month CD
0.12%$1k-12 Month CD
0.05%$1k-6 Month CD


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