Arvest Bank Reviews

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Edited by: Tammy Burns

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
  • Variety of account types
  • Personalized services
  • Over 200 branch locations
  • Competitive rates on some accounts
Cons
  • Limited service area
  • Monthly fees on deposit accounts

Helpful Reviews

Conway, AR
Verified purchase
Been an Arvest customer for many years and have most all money invested there. Recently my significant other and I went through the process of having a Trust established to cover ...

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Jonesboro, AR
Verified purchase
I just want to say thank you to Arvest Bank. I’ve been banking with this branch for over 20 years, and through life’s ups and downs—especially during my divorce—they’ve truly stood by me.

Read more

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.

Checking accounts
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.

Savings accounts
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.

Certificates of deposit
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.
Loans and mortgages
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.
Credit cards
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.
Investment services
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.

Still have questions?

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.

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Arvest Bank Reviews

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    Page 1 Reviews 0 - 10
    Refunds & PayoutsBilling

    Reviewed May 8, 2026

    Arvest Bank must be for customers that they wouldn’t have any respect for even if you were not a customer. I opened a checking acct with them and each time I attempt to use my debit card they block the transaction stating fraudulent activity was suspected. This is embarrassing. I opened this acct for bill payment only. I have decided to just stick with my credit union for all my needs. I won’t be banking with Arvest bio this expert in the bud happened 3 times. I won’t allow it ever again. I’m not going to ask for permission to use my money. Lady behind me states that she used to bank with Arvest also but had to close account because when she attempts to pay her bills each month Arvest locks her card and states they detected fraud. This is a ridiculous.

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    Reviewed April 27, 2026

    Been going through a hard time lately. Deposited money in my account Saturday. They wanna hold it for two weeks and not release funds. Explain to me how this is right. You’re punishing me for going through a hard time. I don’t think it’s right. You have your money. Release my money. I will never recommend or use Arvest Bank ever again.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed March 23, 2026

      I just want to say thank you to Arvest Bank. I’ve been banking with this branch for over 20 years, and through life’s ups and downs—especially during my divorce—they’ve truly stood by me. They know their customers on a personal level, and that kind of support means everything. A special thank you to Kourtney for taking care of me so quickly today—I really appreciate it! Hands down the friendliest bank in Jonesboro. You’re always greeted with a smile, and the customer service is unmatched. Just wanted to brag on them a little 💙. Angela

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      Honesty & Transparency

      Reviewed March 18, 2026

      Someone hacked my account and my daughter’s account and Arvest bank closed our accounts for some other reason. I really think it was them that hacked into my account and said it was somebody. I just said they can close it if you didn’t want to do business with me that’s all you had to say but don’t sit there and lie and say it was something else. I would never do business with them again and I do not recommend anybody doing business with Arvest ever!

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed Feb. 25, 2026

      Been an Arvest customer for many years and have most all money invested there. Recently my significant other and I went through the process of having a Trust established to cover our assets when we pass. Although Arvest has no right to know what is inside the Trust, they have copied it 3 different times and still cannot get it right. All they should do is assign the accounts to the trust and get a list of trustees and the Trust covers it from there. But NNNOOOO, we want to make it the way Arvest wants it and not how we want it executed. The Trust department is so "All high and mighty" that they won't speak directly with anybody and only operate through email! What a customer service joke!! When presented to Arvest, they have done absolutely everything in their power to botch the whole situation up.

      I have warned them in the last 6 weeks of my concerns and informed them of the possibility of changing banks if the issues were not resolved. After a week, we were scheduled in for another visit with an assurance that everything was correct and in place. Just awaiting a signature. Five weeks later the issues continue and each person we talk to from original representative at the local bank to our personal banker to our wealth management person try to push the blame on us. I am done with Arvest. I will find another bank and open accounts, transfer my direct deposits and as investments come up for renewal, move them as well! They need to listen to their customers and fix issues rather than to assign blame to them!!

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      Sales & MarketingPriceOnline & App

      Reviewed Dec. 30, 2025

      If I could give 0 stars I would. They charge you to transfer money, despite doing it from the app and taking no manpower of their own. They will overdraft you with BS fees knowing they are placing hard working individuals in debt for no reason!

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      Jeff increased rating by 4 stars.
      Customer ServiceContract & TermsPunctuality & SpeedCommunication
      After a positive interaction with Arvest Bank, Jeff increased their star rating on Dec. 25, 2025.

      Updated review: Dec. 25, 2025

      Issue resolved.

      Original Review: Dec. 24, 2025

      I was told I’d have my escrow balance due me after my mortgage was paid off in 20 days. It’s now going on 60 days. I asked what options they offered when the first check they claimed was mailed didn’t show up. I was told after 30 days they would fedex or wire it and to call back on the 30th day. I called back and was told that person was filling in for the department and I shouldn’t have been given those options. So then I was told they would have to mail again or I could open an Arvest bank account to have it deposited into. Well US mail is challenged at best and I didn’t want to wait another 30 days so I opened a Arvest bank account.

      Now I’m stuck in their processes to even make this happen. Very disappointed that they are doing what seems everything possible to stall paying me my money. It’s wrong and places doubt in the institution. Beware of stall tactics and poor communication when it comes to Arvest owing you money. Plan to wait awhile and make dozens of follow up calls.

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      BillingLoan Process

      Reviewed Dec. 2, 2025

      Arvest will pull money out of your account for a car loan if you bank with them even if you make over the monthly payment. They will even pull the money out before you receive the letter from them stating they “feel the need” to pull the money out of your account. My money was removed from my account on a Monday and my letter was stamped for 3 days before which was a Friday! I didn’t get the letter for almost a week after they sent it but they had already pulled my money out!

      I missed 1 payment due to them pulling the money out without my permission/beyond my knowledge so I didn’t make the next payment and so only 1 payment was missed and they repoed the car before the next payment after was due so I was only one payment behind and they sent to the credit bureau I missed TWO payments which isn’t correct! I missed ONE payment that was in September and before my Oct. payment came due they had already repoed the car! BEWARE of Arvest!

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      Customer Service

      Reviewed Nov. 14, 2025

      If I could leave zero stars I would... Had my account breached, then through my own research find that Arvest had a HUGE data breach this year which I heard nothing about through them or news hmmmm... I have been an account holder for over 30 years but not anymore... Thank You Arvest bank for terrible service!

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      Customer ServiceStaff

      Reviewed Sept. 18, 2025

      If I could, I'd leave negative stars. This bank is absolutely the worst. I left a deposit in the night drop over the weekend. The amount deposited, however, was short $100. After several phone calls where I offered proof, they finally told me there was nothing I could do but offered to close all three of my accounts over the phone. I have been with them 14 years and have consistently held over six figures in my accounts. I’ve never once had an overdraft or bounced check, and they offer to close business, personal and saving accounts? They obviously don’t care about their customers and the fact their employees openly steal from clients.

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      Arvest Bank Company Information

      Company Name:
      Arvest Bank
      Website:
      www.arvest.com