What it does
Bank OZK combines account banking with SpendTracker budgets and net-worth views. My Change Keeper rounds debit purchases up to the next dollar, while Save on a Schedule moves money regularly into savings.
SpendTracker helps organize spending into a custom budget. Bill Pay adds recurring instructions and reminders, so planned bills can sit beside the spending picture. Mobile deposits undergo verification and are not immediately available for withdrawal.
Two saving routines serve different habits. My Change Keeper transfers the change from rounded-up debit purchases into a checking or savings account. Save on a Schedule sets recurring transfers. Both require enrollment and eligible accounts. OZK Credit Score+ separately offers credit tracking, alerts and a score simulator; it requires enrollment and is unavailable in business digital banking.
Checking fees
| Account | Opening deposit | Monthly service fee before waivers |
|---|---|---|
| OZK Checking | $50 | $7 |
| Interest+ Checking | $50 | $12 |
| Freedom Advantage | $25 | $5 |
OZK Checking waives its service fee with $500 in qualifying electronic (ACH) deposits, a $500 average daily balance or ten qualifying debit purchases per cycle. ATM transactions do not count as purchases. The fee is also waived while the tax-responsible owner is under 25; an owner under 18 needs a parent, grandparent or guardian as co-owner.
Interest+ waives its fee with a $2,500 average daily balance. Freedom Advantage opens in a branch and does not permit written checks. All three charge $2 for paper statements each cycle unless you enroll in eStatements through online banking.
Strengths
- Spending budgets and net-worth views sit alongside account activity
- Purchase round-ups and scheduled transfers offer distinct saving routines
- Credit monitoring includes a score simulator
Watch out for
- Mobile deposits cannot be withdrawn immediately
- Freedom Advantage does not allow check writing
- Paper statements add a separate monthly charge
Best for
- Bank OZK customers combining bill schedules with a spending plan
Sources
- Bank OZK Mobile and Online Banking (Oct 27, 2026)
- Bank OZK Credit Score+ and Saving Routines (Oct 27, 2026)
- Bank OZK Personal Checking Fees and Conditions (Oct 27, 2026)