Bank OZK overdraft fee
Bank OZK's schedule of fees, revised February 2023, prints a $35 overdraft fee when it pays an item the available balance cannot cover, and a $35 nonsufficient funds fee when it returns the item unpaid. The overdraft page charges that $35 only for the first six paid items in a business day, and not when the end of day balance is overdrawn by $5 or less. The wider list is US overdraft fees by bank. Every overdraft guide is on overdraft fee guides. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Last updated: October 23, 2026
Last checked: Oct 2026
What the schedule and the overdraft page print
Opened 23 October 2026. The schedule of fees, revised February 2023, prints $35.00 for an overdraft fee and $35.00 for a nonsufficient funds fee. The overdraft fee is when the available balance is not enough and the bank pays the item. The nonsufficient funds fee is when the bank returns the item unpaid. A footnote says that if an item is submitted more than once, the bank may charge a fee for each return and a fee if the item is finally paid into overdraft.
The terms addendum says the bank does not charge those fees on a personal checking or savings account overdrawn by $5.00 or less, or for an item that overdraws the account by $5.00 or less. It also says a consumer account is not charged for an ATM withdrawal or a one time debit card purchase when you have not opted in.
The overdraft protection page calls the paid item program Bounce Proof. It generally pays overdrafts up to a $500 limit. The $35 fee applies per item. Only the first six overdraft items each business day are charged. If the end of day balance is overdrawn by $5.00 or less, or the item is $5.00 or less, the page says the fee is not charged. Overdrafts are to be repaid within 30 days. Whether an item is paid is discretionary. Bounce Proof Plus, which covers ATM and debit card transactions, has no enrollment fee. The page says new accounts need a positive balance for at least 30 days. OZK Pathway, Freedom Advantage Checking, Representative Payee, Estate, Minor, and OZK Money Market are not eligible.
A fee already charged is a request. Bank OZK can say no. The US list is US bank fee guides.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the pages print |
|---|---|
| Overdraft fee, item paid | $35 |
| Nonsufficient funds fee, item returned | $35 |
| Paid items charged in one business day | First 6 |
| End of day overdrawn by $5 or less | No overdraft fee |
| Item of $5 or less | No overdraft fee |
| Bounce Proof limit | $500 |
Questions
- How much is a Bank OZK overdraft fee?
- The February 2023 schedule prints $35 when Bank OZK pays an item the available balance cannot cover, and $35 when it returns the item unpaid.
- How many Bank OZK overdraft fees can post in one day?
- The overdraft page says the $35 fee is charged only for the first six overdraft items each business day. Later items that day are not charged that fee.
- Does a $5 overdraft at Bank OZK get the fee?
- The overdraft page and the terms addendum say no fee when a personal account is overdrawn by $5 or less, or when the item itself is $5 or less.