Personal
Q & A: Answers to Your Questions
About Bank of the Ozarks’ Online Banking
Q: What is Online Banking?
A: Online Banking lets you do your banking
right from your PC at home or in the office. You now have access to
all your banking information through the Internet. It's as easy as
point and click. The safe and secure way to bank from your PC is now
available at Bank of the Ozarks. You can access our Online Banking
service through our website at www.bankozarks.com.
You can even take a test drive to see how easy it is.
Q: What can I do with Bank of the Ozarks
Online Banking?
A: You can check balances, review account histories, transfer funds between accounts, reorder checks, issue stop payments, purchase savings bonds and change addresses. You'll also be able to pay bills and you can communicate with the Bank through e-mail.
Q: What equipment will I need?
A: You can access Bank of the Ozarks Online
Banking from any computer (PC or Macintosh) that has Internet access
and a Web browser with 128-bit security, such as Netscape Navigator
4.0 or higher or Microsoft Internet Explorer 4.0 or higher.
Q: Can I access my accounts from more than one computer?
A: Yes. You can use any computer that has Internet access and a browser with 128-bit security. That means you can pay bills and access your account at home, at work, or from a laptop when you are out of town.
Q: How do I enroll for Online Banking?
A: You may enroll on-line at www.bankozarks.com or stop by any Bank of the Ozarks office and pick up a brochure with a handy enrollment form. You may also call our E-Banking department at 1-800-274-4482 (8 - 6, Mon. - Fri., Sat. 8-12) and they will send you an enrollment form.
Q: Which accounts can I access?
A: Checking, savings, money market, and
loan accounts can be accessed through our new Online Banking system.
Transfers may be made between checking, savings, and money market
accounts. You can even make payments on your Bank of the Ozarks loan
through a transfer from your checking, savings, or money market account.
Q: How current is the online statement information?
A: When you connect to Online Banking,
you will receive information on all of your account activity for the
last 45 days. The online information is current as of the last posting
and displays all activity conducted through the bank such as electronic
deposits and cleared checks, plus transactions at ATMs and merchant
point-of-sale terminals.
Q: Will I still receive a monthly statement?
A: Yes. A statement will be mailed to you for each checking account, except Express Checking that will receive an electronic statement. Savings account statements will be mailed quarterly.
Q: How secure is Online Banking?
A: An outstanding feature of this system is its multiple security levels. Bank of the Ozarks uses a combination of the latest security technologies to protect data. It features password-controlled entry, Veri-Sign issued Digital ID for the on-line server, Secure Socket Layer (SSL) protocol for data encryption and state-of-the-art firewall protection. Regulation E applies to On-Line Banking just like our VISA Check Card, and liability on unauthorized electronic transactions is limited to $50.00 for transactions that are reported in a timely manner.
Please note: You will not be accessing the bank's host computer.
When you request access for this service your account information
for Online Banking will be hosted on a separate server with all the
appropriate firewalls and multiple layers of protection described
above.
Q: How much does it cost?
A: Accessing account information through
Online Banking is free to all personal account customers.
Q: Are there charges for other online banking services?
A: Our online Bill Payer service keeps you from writing checks, buying stamps and the hassles of mailing. Online Bill Pay is FREE for the first 15 bills paid per calendar month; $.50 for each additional bill paid.
Q: Which bills will I be able to pay through Bill Payment?
A: You can pay almost anyone with a valid address in the United States -- from utilities to credit cards, to your paperboy. However, government regulations do not allow you to make payments for alimony, maintenance, child support, taxes, or other governmental fees or court-directed payments through this service.
Q: How long does it take for bills to be paid?
A: Electronic payments require 2 business days to process. Paper draft payments may take a few more days. The Bill Payer screen will indicate whether the payee is set up to receive an electronic payment. The screen also indicates the estimated payment receipt date.
Q: Which accounts may I access?
A: You may access any account on which
you are an authorized signer. Simply complete the enrollment form
indicating which accounts you would like to access via online banking.
This form may be completed online at www.bankozarks.com or stop by
any bank office and pick up a brochure with the enrollment form enclosed.
Q: What if I forget my password?
A: If you forget your Online Banking password, you can call the E-Banking Department Monday through Friday 8:00 a.m. to 6:00 p.m. and Saturday from 8:00 a.m. to 12:00 p.m. at 501-667-7179 or toll free 800-274-4482 to have your password reset. You'll be asked to provide additional personal information that will verify your identification. Your password will then be reset and you will be given instructions to proceed. You will also have the ability to change your password on-line whenever you wish.
Q: I have more questions. Who do I call?
A: You may call the E-Banking Department at 800-274-4482 (8-6, Mon.-Fri. and 8-12 on Sat.) or e-mail us at ebank@bankozarks.com. We will be happy to answer your questions.
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