Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Maintenance Fee
$7(Verified 01/21/2026)
Bank OZK Checking Account Review
The Bank OZK Checking Account is offered by Bank OZK, a bank founded in 1903 and based in Little Rock, AR. Bank OZK Checking Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Waivable monthly maintenance fee. Avoid the monthly service fee by doing one of the following: Have direct deposits totaling $500 or more in the monthly service fee cycle OR Maintain an average daily balance of $500 or more OR Have ten (10) or more posted debit card transactions per statement cycle Service fee will not be applied if the tax responsible owner is under the age of 25
Bank OZK Checking Account Pros & Cons
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Bank OZK Checking Account FAQ
Are checking accounts from Bank OZK federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Bank OZK Checking Account offer?
Bank OZK Checking Account is not an interest-bearing account.
What are the account minimums for Bank OZK Checking Account?
Bank OZK Checking Account requires a minimum initial deposit of $50.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Bank OZK Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $7.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $7.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | $20.00 - $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | $40.00 - $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Avoid the monthly service fee by doing one of the following: Have direct deposits totaling $500 or more in the monthly service fee cycle OR Maintain an average daily balance of $500 or more OR Have ten (10) or more posted debit card transactions per statement cycle Service fee will not be applied if the tax responsible owner is under the age of 25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bill Pay Fee (Standard Delivery) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bank OZK Checking Account charge overdraft fees?
Yes, Bank OZK Checking Account charges a $35.00 fee for every overdraft.What features and perks does Bank OZK Checking Account offer?
This account includes the following features:
- Mobile Banking Services - Bank OZK Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Bank OZK Checking Account?
The customer support email for Bank OZK Checking Account is info@ozk.com.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Bank OZK
Savings Accounts
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