The Top 5 Must-Have Features When Choosing a Checking Account

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In 2016, Deloitte surveyed over 3,000 retail bank consumers to find out what people look for when choosing a checking account.  Here’s the resulting top five must-haves, in order of importance.

  1. No monthly fees.
  2. Online banking.
  3. Branch close to where they live or work.
  4. No minimum deposit.
  5. Mobile banking.

If you’re like me, you looked through that list wondering if your checking account lives up to these standards.  I was pleased to discover the Free Checking account offered by Bank of the Ozarks not only meets these, but also exceeds them.  With Free Checking, I get Online Banking, Mobile Banking, and access to hundreds of Bank of the Ozarks ATMs and branches, all with no monthly minimum balance to maintain*.  Plus, I get online bill pay**, a debit card, eStatements, and the customer service that comes with using the number one bank in the United States.

*Bank of the Ozarks’ Free Checking has a $100 minimum balance to open the account. 

**Online bill pay free for the first 15 payments per login ID each calendar month.  $0.50 for each payment thereafter.

By Adam Lucas Adam Lucas holds a Finance degree and an MBA from the University of Kentucky. His work has appeared in many major outlets including Yahoo,, and

Monday on the Money is a weekly commentary from Bank of the Ozarks providing financial advice and solutions important to you and your family.