Checking and Savings Accounts

Ozarks Federal has an account for everyone. Choose the one that is perfect for you.

Checking

If you want to open a checking account or savings account, we have a variety of options to fit your personal needs. The perfect account is right around the corner - scroll down to learn about how we can help you move, manage, and maximize your money.

Features	Classic Now	Premier 50 NOW	Checking 101	Everyday Checking	Organizational NOW	Small Business	Money Market
Minimum Opening Deposit	$50	$50	$25	$50	$100	$100	$500
Unlimited Check Writing	X	X	X	X	X	X
Debit/ATM Card	X	X	X	X	X	X
Free Checks (One box at opening)	X	X	X	X
Interest Bearing Account	X	X					X
Average Daily Balance to Avoid Service Charge	$500	N/A	N/A	N/A	$500	$1,000	$500
Monthly Service Charge	$7.50	None	None	None	None	$10.00	$7.50
Paper Statements with Check Images	$5.00	$5.00	$5.00	$5.00	$5.00	$5.00	$5.00
eStatements with Check Images	X	X	X	X	X	X	X
FREE Internet Banking	X	X	X	X	X		X
FREE Online Bill Pay	X	X	X	X			X
Mobiliti	X	X	X	X			X
Available to:	All Customers	Individuals over 50 or couples if one spouse is over 50	Students 16-26 years of age	All Customers	Not-for-Profit Organizations	Sole Proprietorships, Partnerships, Limited Liability Companies, Corporations	All Customers

Savings

Classic Statement Savings *

Available to individuals, not-for-profit organizations, and businesses including corporations and limited liability companies
Minimum balance to open account is $100
Monthly service fee $5.00 if average daily balance less than $100
Paper statement fee $5.00 if not enrolled in eStatements
Interest compounded quarterly
Interest rate subject to change at any time
Quarterly statements provided
ATM card available
Unlimited deposits and unlimited withdrawals

Children’s Statement Savings *

Available to children age 16 or under at time account is opened
Minimum balance to open and maintain is $25
Interest compounded quarterly
Interest rate subject to change at any time
Quarterly statements provided
Unlimited deposits and unlimited withdrawals

*For additional information, contact an account specialist at any of our locations.

Wire Transfers

For wiring instructions, please contact an Account Specialist at 1 (866) 546-7408.

Order Checks

Order checks at https://www.harlandclarke.com/payments/products-shop

Debit Cards

Contactless Instant Issue Debit Cards are available.

Report a Lost or Stolen Debit Card

Report lost or stolen card after hours by calling (800) 472-3272. During regular business hours, please call (866) 546-7408.