
Page 3 of 4Rev. 07/2021
Member FDIC ozk.com
Get checking, savings, or loan account information
Transfer funds between checking and savings accounts
Make payments from checking or savings to loan accounts with
us.
ATM Transfers
You may access your accounts by ATM using your ATM or Visa
Check Card and personal identification number (PIN) to:
Get checking or savings account information
Transfer funds between checking and savings accounts
Cash withdrawals from checking/savings accounts up to $500
per day
Make deposits to your checking or savings accounts through
limited Bank OZK ATMs (not available for OZK Pathway
accounts)
Cut-Off Times. Items deposited at applicable Bank OZK ATMs
before *5:00 p.m. (Central Time) on a business day are
available in your account on the next business day. All ATM
deposit items submitted after 5:00 p.m. (Central Time) on a
business day or a day that is not a business day will be
available on the second business day after the day of the
deposit. *Subject to bank approvals.
Other Transfers Using Your Visa Check Card
You may use your Visa Check Card number and a downloadable app
on your web-enabled cell phone, smartphone, computer, or tablet to
authorize a third party to transfer funds to or from your account.
Transfer withdrawal limits are: 15 transfers and $5,000 per day
Transfer deposit limits are: 20 transfers and $10,000 per day
Online and Mobile Banking Transfers
You may access your account(s) by web-enabled device by
accessing www.ozk.com, or downloading our Mobile Banking App,
and entering your User ID and password to:
Get information on all accounts tied to your Online Banking
service
Transfer funds between checking and savings accounts
Make Payments from checking or savings to loan accounts with
us
Make payments from checking to a third party via Bill Pay
Transfer funds between your account at another financial
institution and your account at Bank OZK
Next Day Inbound and Outbound transaction and daily limit:
$2,500
Standard Inbound and Outbound per transaction and daily
limit: $2,500
Outstanding limit- sum total of customer's pending and/or
unsettled transactions: $2,500
Monthly limit- sum total of customer's transactions in a given
month (30-day rolling limit): $5,000
Cut-Off times. A transfer completed through Online Banking /
Mobile Banking before 7:00 p.m. (Central Time) on a business
day is available in your account the same day. All transfers
initiated after 7:00 p.m. (Central Time) on a business day or a
day that is not a business day will be available the next
business day.
Mobile Deposit
Make a deposit into your checking and savings account using our
downloadable app on your smartphone or tablet.
Not available for OZK Pathway accounts
Transaction and daily limit is $2,500
Cut-Off Times. Mobile Deposit items completed through Mobile
Banking before *5:00 p.m. (Central Time) on a business day are
available in your account the same day. All mobile deposit
items submitted after 5:00 p.m. (Central Time) on a business
day or a day that is not a business day will be available on the
next business day. *Subject to bank approvals.
Electronic Fund Transfers Initiated By Third Parties
You may authorize a third party to initiate electronic fund transfers
between your account and the third party's account.
These transfers to make or receive payment may be one-time occurrences or
may recur as directed by you. These transfers may use the Automated Clearing
House (ACH) or other payments network. Your authorization to the third party to
make these transfers can occur in a number of ways. For example, your
authorization to convert a check to an electronic fund transfer or to electronically
pay a returned check charge can occur when a merchant provides you with
notice and you go forward with the transaction (typically, at the point of purchase,
a merchant will post a sign and print the notice on a receipt). In all cases, these
third party transfers will require you to provide the third party with your account
number and financial institution information. This information can be found on
your check as well as on a deposit or withdrawal slip. Thus, you should only
provide your financial institution and account information (whether over the
phone, the Internet, or via some other method) to trusted third parties whom you
have authorized to initiate these electronic fund transfers.
Electronic Check Conversion
You may authorize a merchant or other payee to make a one-time electronic
payment from your checking account using information from your check to pay for
purchases or pay bills
General Limitations
In addition to those limitations on transfers elsewhere described, if any, the
following limitations apply: transfers or withdrawals from a savings/money market
account to another account of yours or to a third party by means of a
preauthorized or automatic transfer or telephone order or instruction, computer
transfer, or by check, draft, debit card or similar order to a third party, are limited
to 6 per monthly statement cycle. Your account will be charged $10 in addition to
other fees and charges during each statement cycle in which you exceed the
transfer limitations. Refer to the Truth in Savings disclosure for additional
information.
Online/Mobile Banking Fees
See the Schedule of Fees and "What You Need to Know about Overdrafts and
Overdraft Fees."
Except as described within this disclosure, the Bank does not charge for
Electronic Fund Transfers.
Table 3 shows the fees assessed while using Bill Pay.
Table 3
Bill Pay- Rush/Same Day Electronic Delivery
$9.95
Activity
Fee
Documentation
Terminal Transfers.
You can obtain a receipt at the time you make a transfer to
or from your account using an automated teller machine or point-of-sale terminal.
You may not get a receipt if the amount of the transfer is $15 or less.
Preauthorized credits.
If you have arranged to have direct deposits made to
your account at least once every 60 days from the same person or company, you
can call us at the telephone number listed below to find out whether or not the
deposit has been made.
Periodic Statements.
You will get a monthly account statement from us, unless
there are no transfers in a particular month. In any event, you will receive a
statement at least quarterly.
Financial Institution's Liability
Liability for failure to stop payment of preauthorized transfer.
If you order us
to stop one of these payments 3 business days or more before the transfer is
scheduled, and the Bank does not do so, the Bank will be liable for your losses or
damages.
Liability for failure to make transfers.
If the Bank does not complete a transfer
to or from your account on time or in the correct amount according to our
agreement with you, the Bank will be liable for your losses or damages. However,
there are some exceptions. The Bank will not be liable for instance:
If, through no fault of ours, you do not have enough money in your account
to make the transfer
If the transfer would go over the credit limit on your overdraft line
If the automated teller machine where you are making the transfer does
not have enough cash
If the terminal or system was not working properly and you knew about the
breakdown when you started the transfer
If circumstances beyond our control (such as fire or flood) prevent the
transfer, despite reasonable precautions that the Bank has taken
There may be other exceptions not specifically stated in our agreement with you.
Bill Pay- Rush/Overnight Check Delivery
$14.95