10 Best Banks in Arkansas for 2025

U.S. Bank is currently welcoming new applicants with a special offering:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.

The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).

Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee.

The SoFi Checking & Savings account earns up to 3.80% APY on savings and 0.50% APY on checking balances, with no monthly fees or overdraft charges.

New users may also qualify for a cash bonus of $50 to $300 by setting up eligible direct deposits. Customers can access more than 55,000 fee-free ATMs through the Allpoint® Network and receive direct deposits up to two days early.

Deposits are protected with up to $2 million in FDIC insurance through SoFi’s partner banks, offering added peace of mind.

In Arkansas, its footprint includes locations in cities like Bentonville, Fayetteville, Fort Smith, Hot Springs, and Jonesboro.

Bank OZK offers a wide range of banking products, including checking and savings accounts, money market accounts, CDs, and IRAs. It also provides personal loans, auto loans, mortgages, and credit cards.

Customers can manage their finances in person or through the Bank OZK mobile app, which supports check deposits, transfers, account monitoring, and real-time alerts. Online banking is also available for those who prefer to manage their accounts from a computer.

The only fee you might face is for using an out-of-network ATM—but that’s easy to avoid thanks to Chime’s network of over 60,000 fee-free ATMs¹ nationwide.

Chime checking accounts include a free Visa® debit card with no replacement fees, plus access to SpotMe®⁵, which covers overdrafts up to $200 with qualifying direct deposits.

You can also enable automatic round-ups on purchases, transferring the spare change into a high-yield savings account to help you grow your savings over time.

Additional features include early direct deposit² and a highly rated mobile app that makes it easy to manage your money from your phone.

You can opt for the 360 Checking account, which has no monthly maintenance fees. It also comes with a free checkbook, unlimited check writing, and a Mastercard debit card.

The Capital One 360 Performance Savings is a high-yield savings account that allows you to earn interest and offers a great interest rate.

Another option is a certificate of deposit, or CD with no minimum deposit and terms between 6 months and 60 months. If you hope to teach your children how to save, you might want to go with MONEY Teen Checking account and Kids account that can serve as a savings builder.

The highly rated Capital One app allows you to deposit checks, set up custom alerts, track expenses, access account statements, use Zelle, and even track your credit score through CreditWise.

Customers can choose from several checking accounts to match their banking needs. For those who want to avoid overdraft fees, the Regions Now Checking account is a solid alternative.

Regions also offers multiple savings options, including the LifeGreen Savings account, which has no monthly fees or balance requirements and includes an annual savings bonus.

Additional savings products include a basic Savings account and a Minor Savings account for those under 18.

Beyond deposit accounts, Regions provides access to credit cards, personal loans, lines of credit, mortgages, and investment services.

First Arkansas Bank & Trust’s personal banking options include checking accounts, savings accounts, money market accounts, debit cards, and credit cards.

You can also choose from financing solutions, such as personal loans and home equity lines of credit (HELOCs). In addition, the bank offers business services, including business loans, business transfers, business wire transfers, and check reconciliation.

As a FAB&T customer, you have the option to bank in-person at a nearby branch, online, or through the mobile banking app.

You can find branches in Conway, Fayetteville, Fort Smith, Hot Springs, Jonesboro, Little Rock, Rogers, Springdale, and many other locations in Arkansas.

The bank offers six checking accounts, complete with varying perks such as free AD&D insurance, ID protection, and free overdraft coverage.

There’s also one savings bank account with a monthly fee you can waive as long as you maintain a daily balance of $100 or an average monthly balance of $500.

Arvest Bank lending products include home and auto loans, as well as personal loans. In addition, you can work with an advisor for retirement planning, investment planning, education planning, insurance planning, and estate planning.

Business services like small business deposits, commercial deposits, equipment financing, and business credit cards are offered as well.

It combines in-person service with one of the most advanced mobile and online platforms in the industry.

Chase offers several checking options, including the popular Chase Total Checking® account, which includes overdraft protection and digital money management tools.

Customers also have access to savings accounts, CDs, and a wide range of credit cards with rewards for travel, cash back, or business spending.

Lending products include mortgages, home equity lines of credit, and auto loans. For long-term planning, Chase provides wealth management services and access to financial advisors for help with investing, retirement, and estate planning.

Customer support is available around the clock through phone, online chat, and even social media.

The bank has branches or financial centers and ATMs throughout Arkansas in places like Bentonville, Fayetteville, Jacksonville, Little Rock, Pine Bluff, Rogers, and Springdale.

The bank offers checking accounts, savings accounts, CDs, credit cards with cash back and travel rewards. The bank also offers mortgages, home equity lines of credit, auto loans, and small business loans.

If investing is a priority, and you have at least $250,000 in eligible assets, you may want to consider Bank of America’s private bank services for individuals, families, and business owners.

These include portfolio management, specialty asset management, trusts and estates, long-term financial planning, charitable giving, family wealth planning, and art management.