Arvest Bank

Arvest Bank

 3.4/5 (73 reviews)
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Overall Rating3.4 out of 5
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About Arvest Bank

Arvest Bank is a regional bank headquartered in Lowell, Arkansas. It has over 200 branches across Arkansas, Kansas, Missouri and Oklahoma. The bank offers a variety of financial products and services, including personal and business banking, loans, mortgages and investment services.

Pros & Cons


  • Variety of account types
  • Personalized services
  • Over 200 branch locations
  • Competitive rates on some accounts


  • Limited service area
  • Monthly fees on deposit accounts

Bottom Line

Arvest Bank offers convenient locations and a variety of account types, including several specialized checking and savings accounts. However, its service area is limited to Arkansas, Kansas, Missouri and Oklahoma, and most deposit accounts have monthly fees.

Top Arvest Bank Reviews


Friendly, happy comfortable. I am not a stranger when I go in. I am greeted like family. I have never had a bad experience. Courtesy and friendly. I can go online and get anything...

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Great customer service. Training is evident with the company. It seems to have constant and consistent training modules in place and it shows. Not a fan of the online access but i...

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What is Arvest Bank?

Arvest Bank has been providing banking services to its customers since 1961. It operates across several states in the Midwest, and offers a broad range of personal and business banking products, including checking and savings accounts, loans, credit cards, mortgages and investment services.

One thing that sets Arvest Bank apart from its competitors is its commitment to providing excellent customer service. Several ConsumerAffairs customer reviews mention loving Arvest Bank because the tellers and bank employees know them by name.

How does Arvest Bank work?

Arvest Bank provides access to six types of checking accounts, three types of savings accounts, certificates of deposit (CDs), loans, mortgages, credit cards and investment services. Customers can manage their accounts through online and mobile banking, as well as through the bank's extensive network of branches and ATMs.

As a member of the Federal Deposit Insurance Corporation (FDIC), Arvest Bank deposits are protected up to the maximum allowed by law. This means that customers can have peace of mind knowing their funds are secure and protected against bank failure.

Arvest Bank products and services

Arvest Bank offers multiple products to its customers, including checking and savings accounts, loans and credit cards.

Arvest Bank’s checking accounts include the following: Free Blue, Basic Blue, myBlue, Arvest Club, Preferred Club and Arvest Bright Solutions Banking. All accounts come with a debit card.

While the Free Blue account has no monthly fee, Arvest’s other checking accounts have monthly fees that range from $3 to $18, depending on the account. Free Blue and Preferred Club come with overdraft coverage, ranging from $400 to $1,000.

myBlue offers additional benefits, such as IDProtect and AD&D insurance, while Arvest Club and Preferred Club come with even more benefits, including complimentary notary services, money orders and higher limits for identity theft protection and AD&D insurance. Preferred Club is Arvest’s only interest-earning checking account.

Bright Solutions is a checkless account with no overdraft fees, and customers can choose between e-statements or paper statements for a slightly higher monthly fee.

Arvest Bank has three savings accounts: Cool Blue Savings, Savings and Money Market.

Cool Blue Savings is designed for those under the age of 18 and has no monthly service charge. Savings has a $2 monthly service charge, which can be avoided with a minimum daily balance of $100 or an average daily balance of $500.

Money Market requires a minimum daily balance of $2,500 to avoid a $10 monthly service charge, but offers a better interest rate than a traditional savings account for maintaining higher balances.

Arvest Bank certificates of deposit (CDs) offer fixed rates on terms from 31 days to five years, with a minimum deposit of $1,000 required to open. All accounts earn interest on daily collected balances and offer paper statements.
Arvest Bank provides personal and business loans, home equity loans, auto loans, personal loans and lines of credit. The bank's mortgage offerings include options for first-time homebuyers, as well as conventional and government-backed mortgages.
You’ll find two credit cards at Arvest Bank: the Arvest Platinum and the Arvest Visa Signature. Both have no foreign transaction fees and earn points for every dollar spent.
Arvest Bank's investment services include options for retirement planning, wealth management and investment accounts. The bank's team of client advisors helps customers create personalized investment strategies to meet their financial goals.

Arvest Bank fees

As with most traditional banks, Arvest Bank charges various fees. Checking account fees range from $0 to $18 per month, while savings account fees range from $0 to $10 per month. Most fees can be waived when you carry a minimum balance or meet certain activity requirements.

Some other common fees found at Arvest Bank include:

  • $2.50 for non-network ATM withdrawals
  • $7.50 for ATM or debit card replacements
  • $10 for automatic transfers to or from an external bank
  • $5 for dormant accounts that have been inactive for one year
  • $17 for overdrafts, charged up to four times per day
  • $10 for incoming wire transfers
  • $3 to $10 for TransferNow outgoing wires transfers
  • $20 to $25 for domestic outgoing wire transfers
  • $40 to $60 for international outgoing wire transfers

Arvest Bank FAQ

Does Arvest Bank use Zelle?

Yes, Arvest Bank customers can use Zelle to send and receive money from friends and family.

Is Arvest Bank a good bank?

Overall, Arvest Bank is a solid bank with a wide range of account options and a strong presence in Arkansas, Oklahoma, Missouri and Kansas. It may be a good fit for those looking for a regional bank with local branches and a variety of account types.

How much does Arvest let you overdraft?

Arvest Bank provides up to $400 in overdraft coverage for its Free Blue checking account and up to $1,000 in overdraft coverage for its Preferred Club checking accounts. You can also enroll in basic or extended overdraft protection depending on which account you have.

Did Arvest buy Bank of America?

Arvest Bank did not acquire Bank of America. However, it did purchase 29 Bank of America locations in 2013 to turn them into Arvest Bank branches.

Is Arvest Bank legit?

Arvest Bank is a legitimate bank that operates in Arkansas, Oklahoma, Missouri and Kansas. It offers a variety of account types — including checking accounts, savings accounts and CDs — and features like free online banking, overdraft protection and bill pay. Additionally, the bank provides access to ATMs, local branches and online customer support.

One potential downside of Arvest Bank is that it has limited availability outside of its four-state service area. Additionally, some of its account types have monthly fees that may be less competitive compared to other banks. However, Arvest Bank may be a good fit for those looking for a regional bank with a strong presence in the Midwest.

Arvest Bank Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: April 15, 2023

I deposited a check the other day $606,000 dollars. Since you only insure my account up to $250,000 I told the teller (Nicholas) that I was going to write checks to my other banks. He said FINE! I went to the other bank, wrote another check from Arvest to deposit $400,000 in two separate accounts. Yesterday that check BOUNCED! Then I get a call from a MACHINE saying "we put a hold on your account, if you have any questions call the MACHINE and spend 40 minutes going through the automated hurdles we do to keep customers from talking to actual people!"

I have a construction loan out right now with a $600k balance and I'M paying about $100 a day INTEREST. Is Arvest going to pay me $100 dollars a day INTEREST? Is Arvest going to cover the bad checks? How many days do you think you will be personally using MY MONEY until I get it back? Why didn't the teller TELL ME he was going to use my money for about a week or so when we were having this conversation. I need my money back, that's what this appointment was about.

So I go in there, met with Nick and a woman who didn't give me her name but she did most the talking so I assume she was the Manager. Nick lied and said he told me there would likely be a hold on this check. I can PROVE that was a lie because why would I go out and write bad checks if he had told me that? He didn't tell me that, and he KNEW I was going out to write checks at the other bank because I told him that is where I was headed. I can't let $600k sit in this account for even ONE DAY because there is HUGE RISK and NO REWARD! I then ASKED to have the check back and they told me no! They did NOTHING to help ease my tensions about the possibility of losing half a million dollars so I got up and left.

I went in with the intention of giving Arvest the opportunity to retain a customer. I was upset about a MACHINE calling me. You'd think for $600k someone would pick up the phone. I walk into Arvest and no one even knows who I am, nobody cares that I am at risk of losing a TON of money. Maybe they could have opened a couple of other accounts? Maybe they could spread the money out so it's not all in one account? Maybe they could CALL the other bank and verify funds? Maybe they could give me the check back and I could then have the funds wired to them? I got NO SOLUTIONS, just we CANTs.... So now I'm sitting here fuming and just praying this bank doesn't have a collapse before next week coz they are out there playing with MY MONEY!

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Verified Reviewer
Original review: March 20, 2023

I had obtained POW legal documents prepared by my attorney regarding assisting my father banking. After he passed I went to the bank spoke to Louanne and she informed me that I had to go to probate to be able to get into my father account. I did that and had a copy on file with the fayetville bank. Every time since doing what was requested, Kelsey ** had me go through hoops knowing I’d just lost my father and that I had went to court to have the required paperwork on file. She was hateful. Today I went to close the account the teller asked me why I was closing the account I told her, Kelsey was standing near by went over to the teller whisper in her ear. Then instead of giving me the cash ($300.00), she gave me a cashier check I had to ask for her to make it cash. The teller attitude changed after Kelsey whispered in her ear. Don’t believe me check the video of the transaction. Really need to educate Kelsey ** on the value of the customer especially one that complied with all requirements and just lost my father. Empathy, compassion and treating the customer how you’d like to be treated.

2 people found this review helpful

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    Verified Reviewer
    Original review: Feb. 18, 2023

    After years and years of ID theft and several banks later, Theresa from Conway, AR and numerous others, including Officer **, had to make sure a job is done right. Although, it might not be with smiles on our faces, she always has always been understanding, prompt, and diligent to make the problem complete. I'm not saying our job is done (since criminals always try some stunts again) but I know that I can depend on her and many others from Oak St. to make sure that I'm helped with the best of care. At the same time I was clueless at the bank the idiots tried investing with my card into Bitcoin and numerous other places online. Of course, they were shut down! Thank you.

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    Verified Reviewer
    Original review: Dec. 7, 2022

    I pay before the account is due... I pay BEFORE and FULL amount each and every time. Try to surprise my fiancee with a ring... declined. Last night at Walmart.. $20... declined? WTF??!! Capitol One.. never does this. I'm trying to close the cc account and it's hell to get anyone to answer... Then I'm transferred to fraud... put on hold...hold...hold. I just want to close the CC account... Please. Santa.. all I want for Christmas is to close this CC account. Remember.. WALMART owns Arvest... explains a lot. Never again!!!

    9 people found this review helpful
    Verified Reviewer
    Original review: Nov. 10, 2022

    My husband and I went into Arvest Bank on Pleasant Grove Road in Rogers, Arkansas to purchase a CD. The branch manager is the person we needed to talk to about opening the CD. He was on the phone, and while we were waiting, two other people stepped in front of us and went into his office and did their business. He knew that we were waiting to see him as an employee of the bank had gone in to tell him. After 30 minutes, we left, and said to the branch manager- thanks for helping us- and he said- man, I’m busy. And I said- No problem, we will just go to another bank who wants our business. This bank doesn’t have the customer service it used to have. Lots of empty offices- no one but a scarecrow to greet you at the front.

    8 people found this review helpful
    Verified Reviewer
    Original review: Oct. 6, 2022

    Bank teller told me it will not close before my pay period. Obviously she lied so my check is just in limbo out there. Apparently she do not know how to do her

    job. I will probably get evicted evicted. Damn.

    4 people found this review helpful
    Verified Reviewer
    Original review: Sept. 20, 2022

    I left Arvest a few months back. After my debit card was compromised 6 different times, I spent literal hours on the phone and at a branch asking what do I need to do differently. Although I realize that this is not the branch’s fault, I was very disappointed with the fact that the only advice I was given by the branch was to “Just stop using your Debit card”. I rebutted with, if you offer a service, I shouldn’t have to stop using it.

    On top of that, I got sick and tired of all the $5 fees. I happened to bank with two other institutions simultaneously with zero problems, so I chose to part ways with Arvest. Today I was paid by a customer with an Arvest check, upon cashing it… guess what, “there’s a $5 fee for cashing the check”. I simply don’t understand and am very frustrated with the fact that you (Arvest) once again offer a service to your customer (checks) but then punish the notion of using said service! Crazy!!! What you have forced me to do is to decline any payment via your checks. Unfortunately you probably couldn’t care less, but it’s a burden on your customers. And I will most definitely be the voice in informing your customers why I won’t take their Arvest check.

    To be transparent, the $5 will not make or break me, as I’m positive it won’t make or break your institution. The fact that you charge it simply shows how greedy your company is. Extremely disappointing from a bank with local roots, and who claims to have family/local values! Feel free to contact me if you wish to discuss this any further, I’m sure you still have my contact information!

    14 people found this review helpful
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    Verified Reviewer
    Original review: Sept. 17, 2022

    I just recently finalized a Balance Eraser Loan with Arvest Bank and of course, while you’re doing the transaction, everyone is nice and accommodating. When I was done with the rep she gave me a number and told me if I ever have any questions to please use that number. Actually, once I received the paperwork in the mail, the same phone number was listed as being customer service. On two occasions I have tried calling because I wanted to opt out of the monthly paper statements. The paperwork that was mailed to me specifically tells you to call the customer service number. I created an account online however any changes you want to make to your account must be made by phone.

    Once I was finally able to reach someone I learned that the customer service number provided is actually NOT for the Balance Eraser Loan and it is handled by a different department. I asked for that number but they would not give it to me. There is NO WAY to reach a customer service representative once you apply and are approved for this loan. I think it would be great if they told the truth instead of scamming people. In the future, if I need help, I have decided to withhold my payment and I’m betting I’ll get a phone call from the non-existent customer service department.

    34 people found this review helpful
    Verified Reviewer
    Original review: Aug. 24, 2022

    UPDATED 10/10/2022: Absolutely terrible. Two fraudulent transactions were made on my card and Arvest Bank is clearly aware of this, I've wrestled with them for months trying to get my money back, they've come with every excuse in the world including some crap called "Regulation E". I just went on and closed my account, they deserve whatever comes their way for the way they've treated customers, if you have an account with Arvest Bank I suggest that you find another bank.

    ORIGINAL REVIEW: I have two unauthorized transactions from an ATM withdrawal from 2 months ago. I reported this to the disputes department at Arvest Bank, I have been denied several times. I've put in several reassertions and I still got denied because they've sent me several letters in the mail saying that I was in possession of the card. The last reassertion I put in I got a letter in the mail from them saying "We did not receive notification from you about the disputed transactions within the time frames outlined within Regulation E. As a result we will not perform further review of your claim(s). Arvest Bank values your business. Please contact us if you have any questions or need further assistance". After all of the reassertions I've put in this is what I get back, had I known that they do their customers wrong like this I wouldn't have never started up an account with them. This is just plain wrong.

    12 people found this review helpful
    Verified Reviewer
    Original review: July 27, 2022

    I've made a wire transfer to pay my business partner. It's been two weeks now. Money still on my account and in the bank they just keep saying that they still reviewing my transfer. Two weeks! I'm sure they just doesn't know how to do it. Total incompetency! Never even think to be a client of this bank!

    13 people found this review helpful
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    Arvest Bank Company Information

    Company Name:
    Arvest Bank