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Savings Accounts

Bank OZK helps you save today to meet your financial goals for tomorrow.

Find an account that’s right for you

Whether you’re building your emergency fund or planning for something fun, we can help you grow your savings.

OZK SavingsChange the way you save
  • $50 minimum opening deposit requirement
  • $3 monthly service fee
    • Avoid the monthly service fee by maintaining a $100 minimum daily balance
    • 60-day period before monthly service fee applies
  • Earns interest1
  • Up to six account withdrawals or transfers per calendar month to avoid a fee2
  • Free paper statement
OZK First SavingsDesigned to help kids 17 years old or younger start saving
  • $5 minimum opening deposit requirement
  • No monthly service fee
  • Earns interest1
  • Up to six account withdrawals or transfers per calendar month to avoid a fee2
  • Free paper statement

Online account opening for personal checking, savings or money market accounts, coming soon!

  1. Interest rate is variable and may change at any time.
  2. Transaction Limitations: Debit card payments, internet bill payments, wire transfers, checks, drafts and similar orders, as well as transfers from this account to another account by preauthorized, automatic, telephone, or online banking transfer are limited to six (6) per monthly service charge/statement cycle. The account will be charged $10.00 each monthly service charge/statement cycle the transaction limit of six (6) is exceeded. There is no transaction limit for cash withdrawals made at an ATM or in person at one of our branches.

Deposits made into savings and IRA savings and money market accounts may be subject to a seven-business-day hold.

Savings Account Perks

Save for those unexpected expenses or other financial goals you hope to achieve. Start developing good savings habits and put your money to work:

  • Schedule one-time or recurring automatic transfers to your savings account from another Bank OZK account or another bank using Online Banking or Mobile Banking*
  • Round up debit card transactions and automatically transfer the difference to your savings account with My Change Keeper**
  • Set up Safety Link to help prevent overdraft fees***

* Online and Mobile Banking require enrollment. Restrictions and limitations apply.
** Must have an eligible Bank OZK checking and savings account. Enrollment is required.
*** Must have an eligible Bank OZK account. Enrollment is required.

    Depending upon your financial goals, these other available account options may be a better fit.

  • Money Market – Interest-bearing account with easy access to funds when needed
  • CDs – A fixed interest rate and fixed term provide a predictable savings strategy
  • IRAs – Options to save for retirement with potential tax advantages*

* Subject to IRS limitations.


We'll help you live your best financial life.

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