How to name beneficiaries and fund a trust at Bank OZK
Covers 8 deposit, 5 retirement, and 2 lending accounts — beneficiaries must be updated in-branch
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
There are two ways to keep your Bank OZK accounts out of probate: adding beneficiary designations and retitling eligible accounts into a revocable living trust. Which approach works best depends on the account type and your overall estate plan.
Bank OZK has 15 accounts with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
OZK CheckingOZK Interest+ CheckingFreedom Advantage CheckingOZK SavingsOZK First SavingsOZK Money MarketOZK Certificate of DepositOZK Promotional CD
1
Visit a Bank OZK branch with government-issued photo ID
2
Request to add a Payable on Death (POD) beneficiary to your account
3
Provide beneficiary details:
- Full legal name
- Date of birth
- SSN
- Relationship to account holder
4
Specify percentage allocation if naming multiple beneficiaries
5
Review and sign the beneficiary designation form with a banker
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Named beneficiaries override your will
- POD beneficiaries do not have access to the account during the owner's lifetime
- On the death of the last surviving party, ownership passes to the POD beneficiaries
- If two or more beneficiaries are named and survive the death of all account parties, beneficiaries own the account in equal shares without right of survivorship
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.
