Estate planning at Bank OZK
How to protect 15 Bank OZK accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Bank OZK's Trust & Wealth Services
Customer Care Center
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
International Toll-Free
Lost/Stolen Debit Card
WebsiteLearn more→
Trust & Wealth Services
Phone1-501-978-2265
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
WebsiteLearn more→
Customer Care / Trust & Wealth Services
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth Division
Verified May 2026
How your Bank OZK accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Of those, 13 can name a trust as beneficiary or be retitled into a trust. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Beneficiary changes at Bank OZK can be made in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Bank OZK: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 15 account types at Bank OZK.
View details →When someone dies
Death claim process
Contact Bank OZK's Trust & Wealth Services to file a claim. 5-step process, 6 required documents, and contact information for survivors.
View details →Reach Bank OZK's Trust & Wealth Services at 1-501-978-2265 for help with any of these procedures.
Because Bank OZK serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Bank OZK's Trust & Wealth division offers trust administration, estate settlement (serving as executor or personal representative), guardianship services, special needs trust administration, directed and delegated trustee services, financial planning, and investment management. Trust and wealth accounts are administered separately from retail deposit accounts. Contact the Trust & Wealth division at (501) 978-2265 or visit ozk.com/trust-wealth/trust-estate-services/ for more information.
Yes. Bank OZK offers CD-based and money market-based Traditional, Roth, and SEP IRAs. An IRA cannot be retitled into a revocable trust because the owner must be an individual, but a trust can be named as the IRA beneficiary. To do so, request the beneficiary designation paperwork from a branch or Customer Care at 1-800-274-4482 and provide the full legal trust name, date established, and trust tax ID. Naming a trust as IRA beneficiary has tax consequences under the SECURE Act payout rules; consult a tax advisor before doing so.
Under the federal Garn-St. Germain Act, Bank OZK cannot accelerate your mortgage or HELOC when the property is transferred to a revocable trust of the borrower, or to a spouse or child. The loan terms remain unchanged. The mortgage or HELOC itself is not retitled to the trust -- it remains a personal obligation of the borrower. HELOCs are available in Arkansas, Florida, Georgia, North Carolina, and Tennessee.
Sources
Data sourced from Bank OZK primary sources (15 pages reviewed). How we research.
Customer Care Center
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
International Toll-Free
Lost/Stolen Debit Card
WebsiteLearn more→
Trust & Wealth Services
Phone1-501-978-2265
Mailing Address
Bank OZK Trust & Wealth, 18000 Cantrell Road, Little Rock, AR 72223
WebsiteLearn more→
Customer Care / Trust & Wealth Services
Phone1-800-274-4482
Mailing Address
Bank OZK, P.O. Box 8811, Little Rock, AR 72231
Trust & Wealth Division
Verified May 2026
Estate planning articles
Learn how to protect your Bank OZK accounts and other assets with trusts, beneficiary designations, and estate planning documents.
