Arvest Bank is a major regional financial institution headquartered in Bentonville, Arkansas, with 277+ banking centers and $27.3+ billion in assets, serving personal and business customers throughout Arkansas, Kansas, Missouri, and Oklahoma with comprehensive checking, savings, CD products, mortgages, online banking, and digital payment solutions including Zelle money transfers. Founded with roots dating back to 1871, Arvest Bank operates as a subsidiary of Walton family-controlled Arvest Financial Corporation, maintaining FDIC insurance protection on all eligible customer deposits while combining traditional community banking relationships with modern digital banking technology that allows customers to manage finances 24/7 through secure online and mobile platforms. Whether you’re searching for Arvest Bank login instructions, trying to understand CD rates, finding your routing number, locating nearby branches, checking hours of operation, comparing accounts, or evaluating whether Arvest Bank is the right banking choice for your needs in 2026, this comprehensive guide covers everything personal and business customers need to know about banking with Arvest Bank in today’s digital-first financial environment.
What You’ll Discover: This authoritative 2026 guide explains Arvest Bank comprehensively—what Arvest Bank is (regional bank headquartered Bentonville Arkansas, $27.3+ billion assets, 277+ branches across AR, KS, MO, OK, FDIC-insured), how to access Arvest Bank login (arvest.com/login with multi-factor authentication, Arvest Go mobile app available iOS/Android), detailed Arvest online banking features (bill pay, mobile check deposit, transfers, Zelle integration, alerts, account management), Arvest Bank routing number (082900872 for domestic/international wire transfers), how to find Arvest Bank near you (branch locator at arvest.com/locations with 277+ centers), Arvest Bank hours (typically 9 AM – 5 PM weekdays with extended hours, limited weekend availability), Arvest Bank CD rates (personal CDs 0.00%-3.55% APY on various terms, $500 minimum), whether Arvest Bank offers Zelle (yes, included in personal and business banking with free transfers), who owns Arvest Bank (Walton family private ownership), comprehensive pros and cons analysis, and honest assessment of whether Arvest Bank is a good banking choice for 2026 consumers. This guide answers all critical questions about Arvest Bank and provides actionable strategies for maximizing your banking relationship.
Table of Contents
- What Is Arvest Bank?
- Who Owns Arvest Bank?
- Arvest Bank Login — Online & Mobile Banking
- Arvest Bank Routing Number
- Arvest Bank Near Me — Branches & Locations
- Arvest Bank Hours
- Arvest Bank CD Rates — 2026 APY Guide
- Arvest Online Banking Features
- Arvest Bank Customer Service
- Does Arvest Bank Offer Zelle?
- Is Arvest Bank a Good Bank?
- FAQs
- Expert Tips
- Conclusion
What Is Arvest Bank?
Arvest Bank is a leading regional financial institution headquartered in Bentonville, Arkansas, with 277+ full-service banking centers, $27.3+ billion in total assets, and operations across Arkansas, Kansas, Missouri, and Oklahoma, providing comprehensive personal and business banking services including checking, savings, CDs, mortgages, online banking, and wealth management solutions.
Arvest Bank operates as the primary subsidiary of Arvest Financial Corporation, a privately-held financial services company controlled by the Walton family. The bank provides a complete spectrum of banking products and services designed for personal consumers, small businesses, and commercial enterprises throughout its four-state region.
| Category | Details |
|---|---|
| Headquarters | Bentonville, Arkansas |
| Parent Company | Arvest Financial Corporation (Walton family-controlled) |
| Total Assets | $27.3+ billion (2025) |
| Banking Centers | 277+ full-service locations |
| ATM Network | Extensive ATM network across 4-state region |
| Service States | Arkansas, Kansas, Missouri, Oklahoma |
| FDIC Status | Member FDIC (insured up to $250,000 per account category) |
| Founded | 1871 (originally McIlroy Bank & Trust) |
| Digital Platforms | Online banking (BlueIQ), Arvest Go mobile app, Zelle integration |
Regional Banking Footprint
Arvest Bank maintains the strongest presence in Arkansas while serving significant markets across three additional states:
Arkansas: Headquarters location; strongest market presence with banking centers throughout Little Rock, Fayetteville, Bentonville, Hot Springs, Texarkana, and other major cities
Oklahoma: Established presence in Tulsa, Oklahoma City, Enid, Norman, and surrounding communities
Kansas: Growing presence in Kansas City metro area and surrounding regions
Missouri: Expanding presence in Kansas City metro, Springfield, and other Missouri markets
Products & Services
Personal Banking:
- Checking and savings accounts (multiple account types)
- Money market accounts
- Certificates of Deposit (CDs) with multiple term options
- Individual Retirement Accounts (IRAs) with CD options
- Mortgage services and refinancing
- Home equity loans and lines of credit
- Personal loans and credit cards
- Wealth management and investment services
- Trust and estate services
Business Banking:
- Commercial checking and savings
- Commercial lending and credit lines
- Treasury management services
- Business cash management solutions
- Merchant services
- Business credit cards
- Equipment financing
- Payroll services
Specialized Services:
- Mortgage banking (dedicated mortgage services)
- Investment and wealth management
- Life insurance services
- Title insurance
- Trust and estate administration
Who Owns Arvest Bank?
Arvest Bank is almost entirely owned by the Walton family, the founding family of Walmart. The bank is controlled through Arvest Financial Corporation, a private holding company that maintains the Walton family’s ownership and ensures long-term strategic direction consistent with the family’s values and community focus.
Walton Family Ownership Structure
Majority Owner: The Walton family controls approximately 100% of Arvest Bank through their holding company structure.
Leadership: Jim Walton serves as Chairman and CEO of Arvest Bank Group Inc. Jim Walton is a son of Sam Walton, Walmart’s founder.
Governance: The bank maintains a family-controlled structure with local boards of directors for individual banks within the Arvest network, balancing national strategy with local community decision-making.
Private Company Status: Unlike public banks, Arvest is not traded on stock exchanges. Private ownership allows long-term strategic planning without pressure for quarterly earnings.
Why Walton Family Ownership Matters
Stability & Long-Term Vision: Family ownership provides financial stability and allows long-term strategic planning without quarterly earnings pressures.
Community Focus: The Walton family’s commitment to the communities they serve has historically translated into local banking relationships and community involvement through Arvest.
Financial Strength: The Walton family’s substantial wealth ensures Arvest has significant capital reserves and financial strength to weather economic downturns.
Trust & Reputation: Long-term family ownership and involvement builds customer trust and demonstrates commitment to communities served.
No Pressure for Merger/Sale: Unlike publicly-traded banks frequently acquired or merged, Arvest’s family ownership suggests long-term stability and continuation of banking services.
Historical Context
Arvest’s charter dates back to McIlroy Bank & Trust, founded in 1871, making it the oldest bank in Arkansas. The bank survived the 2008 financial crisis without requiring TARP (Troubled Asset Relief Program) funds, demonstrating strong financial management and resilience.
Arvest Bank Login — Online & Mobile Banking Access
Arvest Bank provides secure 24/7 access to accounts through multiple digital platforms including online banking (BlueIQ) and mobile app (Arvest Go).
How to Log In to Arvest Online Banking
Step-by-Step Login Instructions:
Step 1: Visit Arvest Bank Login Portal
Navigate to arvest.com and click “Online Banking” button (typically top right of homepage).
Step 2: Select Your Login Type
Choose appropriate banking platform:
- Personal Online Banking (BlueIQ for personal accounts)
- Business Online Banking (for business accounts)
- Mortgage Access (for mortgage account management)
- Private Client Access (for wealth management clients)
Step 3: Enter Your Login Credentials
- Login ID: Your unique identifier (username or email)
- Password: Your secure password (minimum 8 characters recommended)
Step 4: Complete Multi-Factor Authentication (MFA)
Arvest requires two-factor authentication for security:
- Receive verification code via SMS text or email
- Enter code on authentication screen
- Alternative: Use security questions if SMS unavailable
- Complete authentication to access account
Step 5: Access Your Account Dashboard
Once authenticated, view:
- Account balances (all accounts in real-time)
- Transaction history and details
- Pending transactions and scheduled payments
- Account statements and documents
- Alerts and notifications
First-Time Enrollment in Arvest Online Banking
For New Arvest Bank Customers:
Option 1: Online Enrollment
- Visit arvest.com
- Click “Enroll in Online Banking” or “New User”
- Provide account number and Social Security number verification
- Complete identity verification process
- Create unique username (different from account number)
- Establish secure password (8+ characters, mixed types)
- Register verified email address and phone number
- Set up security questions and answers
- Complete enrollment verification
- Log in with new credentials
Option 2: Branch/Phone Enrollment
- Call (866) 952-9523 to enroll
- Visit nearest Arvest branch for in-person enrollment
- Complete verification process with banker
Arvest Online Banking Features
Arvest Go Mobile App (iOS/Android):
- Download from Apple App Store or Google Play Store
- Biometric login (fingerprint, Face ID)
- View account balances and transactions
- Mobile check deposit (photograph checks)
- Bill pay and fund transfers
- Zelle money transfer integration
- Account alerts and notifications
- Branch/ATM locator
- 4.5+ star ratings on both app stores
BlueIQ Online Banking Portal:
- Access from computer or tablet browser
- Comprehensive account management tools
- Money management features (budgets, goals)
- Transaction categorization and search
- eStatements and document access
- Secure messaging with Arvest
- Multiple account aggregation
- Bill payment and transfer scheduling
Security Features:
- Multi-factor authentication
- Secure session encryption
- Fraud detection and alerts
- Transaction monitoring
- Account access controls
- Session timeout protection
Account Management Tools:
- Real-time balance information
- Complete transaction history with search
- Account statements (current and archived)
- Account settings and preferences
- Connected accounts (view non-Arvest accounts)
- Money management and budgeting
Payment & Transfer Services:
- Bill pay to any U.S. payee
- Recurring bill payment setup
- Scheduled payments in advance
- Transfer between own accounts (instant)
- External transfers to other banks (1-3 business days)
- Wire transfer initiation
- Zelle money transfer integration
Mobile Deposit & Convenience:
- Remote check deposit via mobile app
- Photograph front and back of check
- Funds typically available next business day
- 24/7 deposit capability
- Deposit limits ($5,000-$10,000 per check typical)
Alerts & Notifications:
- Balance alerts (when drops below threshold)
- Transaction notifications
- Large payment alerts
- Bill due reminders
- Suspicious activity warnings
- SMS text or email delivery options
Troubleshooting Arvest Bank Login Issues
| Issue | Solution |
|---|---|
| Forgot Username/Login ID | Click “Forgot Username?” on login page; verify identity; receive username via email |
| Forgot Password | Click “Forgot Password?”; answer security questions; reset via email link; or call (866) 952-9523 |
| Account Locked | Multiple failed attempts trigger lock; wait 24 hours; or call (866) 952-9523 to unlock immediately |
| MFA Code Not Received | Check phone/email on file; wait 60 seconds; request new code; verify contact information is current |
| Cannot Enroll | Verify active Arvest account; ensure personal information is current; call (866) 952-9523 for assistance |
| App Won’t Open/Crashes | Update app to latest version; restart phone; clear app cache; uninstall and reinstall if needed |
| Website Won’t Load | Clear browser cache/cookies; try different browser; disable extensions; check internet connection |
| Two-Factor Authentication Errors | Enter code within 10 minutes; ensure no spaces in code; request new code if expired |
Customer Service for Login Support:
Call (866) 952-9523 (Extended hours Monday-Friday, limited weekend support)
Call (844) 225-8347 (Dedicated technical support for online banking)
Arvest Bank Routing Number — What You Need to Know
A routing number is a nine-digit code that identifies specific banks for banking transactions. Arvest customers need routing numbers for direct deposits, bill payments, ACH transfers, and wire transfers.
What Is a Routing Number?
A routing number (also called ABA number or routing transit number) is a unique nine-digit identifier assigned by the Federal Reserve to each financial institution. Banks use routing numbers to:
Direct Deposit: Employers need routing number to deposit paychecks into your account
Bill Payments: Automated bill payment services use routing number to debit your account
ACH Transfers: Electronic transfers between banks (1-3 business days)
Wire Transfers: Fast money transfers (typically same day or next day)
Incoming Transfers: When receiving money from external sources, provide routing number
Arvest Bank Routing Number
Primary Routing Number: 082900872
This routing number applies to:
- All Arvest Bank personal and business checking accounts
- All Arvest Bank savings accounts
- CDs and money market accounts
- All depositors across Arkansas, Kansas, Missouri, and Oklahoma
Wire Transfer Information:
- Domestic Wire: Routing number 082900872
- International Wire: Routing number 082900872
- SWIFT Code (International): ARVTUS33
How to Find Your Arvest Bank Routing Number
Method 1: Check Your Checks
Look at the bottom of any Arvest Bank check:
- Left section: First nine-digit number = Routing number (082900872)
- Middle section: Your account number
- Right section: Check number
Method 2: Online Banking
Log into Arvest online banking or Arvest Go mobile app:
- Click “Account Details” or account information
- Look for “Routing Number” or “Transit Number”
- Should display 082900872
Method 3: Arvest Bank Website
Visit arvest.com:
- Navigate to “Customer Service” or “FAQ” section
- Search “routing number”
- Find 082900872 listed with account information
Method 4: Contact Customer Service
Call Arvest directly:
- Phone: (866) 952-9523
- Hours: Extended weekday hours, limited weekend
- Have account number ready for verification
When to Use Arvest Bank Routing Number
| Transaction Type | Use 082900872 |
|---|---|
| Direct Deposit | Yes—provide to employer payroll |
| Automatic Bill Pay | Yes—for account debits |
| ACH Transfer | Yes—transfer from Arvest to another bank |
| Wire Transfer (Domestic) | Yes—required for same-day/next-day transfers |
| Wire Transfer (International) | Yes—along with SWIFT code ARVTUS33 |
| Incoming Transfer | Yes—share with person/business sending money |
| Payroll Setup | Yes—provide to payroll processor |
Arvest Bank Near Me — Branches & ATM Locations
Arvest Bank operates 277+ full-service banking centers and extensive ATM network across Arkansas, Kansas, Missouri, and Oklahoma.
How to Find Arvest Bank Near You
Official Branch Locator:
Visit arvest.com/locations or use Arvest Go mobile app:
- Enter your ZIP code or city name
- Select search radius (1, 5, 10, or 25 miles)
- View results on interactive map
- See branch addresses, phone numbers, hours
- View available services (mortgages, business banking, wealth management)
- Get driving directions and GPS information
- View real-time branch status and ATM locations
Search Capabilities:
✅ Find full-service branches vs. limited-service locations
✅ Identify branches with specific services
✅ Locate 24/7 ATMs
✅ View drive-thru availability
✅ See weekend/holiday hours
Branch Locations by State
Arkansas: 125+ branches (strongest market)
- Major centers: Little Rock, Fayetteville, Bentonville (headquarters), Hot Springs, Texarkana
- Coverage throughout state with multiple locations in major cities
Oklahoma: 75+ branches
- Tulsa, Oklahoma City, Enid, Norman (strongest presence)
- Growing footprint in surrounding communities
Kansas: 40+ branches
- Kansas City metro area (primary presence)
- Surrounding Kansas communities
Missouri: 37+ branches
- Kansas City metro (primary presence)
- Springfield and surrounding areas
Total: 277+ banking centers with extensive ATM network
Branch Services
Full-Service Branches Typically Offer:
- Account opening and management
- Deposits and withdrawals
- Loan applications and processing
- Mortgage services and consultations
- Business banking services
- Safe deposit boxes
- Wire transfers and cashier’s checks
- Personal banking relationships
- Wealth management consultations
Limited-Service Branches May Offer:
- Deposits and withdrawals only
- Basic account services
- Reduced hours
- Limited staff availability
Specialty Centers:
- Mortgage banking centers (dedicated mortgage services)
- Private client banking (wealth management)
- Commercial banking centers (business lending)
- Business lending specialists
ATM Network Access (24/7)
Arvest Bank ATM Features:
- Free withdrawals for Arvest customers (no surcharge)
- 24/7 availability at most locations
- Cash withdrawal (typically $600 daily limit)
- Check deposits at most ATMs
- Balance inquiries and PIN changes
- Fast, convenient access
ATM Locations:
- Most full-service branches have ATMs
- Standalone ATMs throughout service areas
- Drive-up ATMs at select locations
- Indoor/outdoor accessibility
Non-Arvest ATM Use:
- Using non-Arvest ATM: $2-3 surcharge typical
- Avoid surcharge by using Arvest ATMs
- Check ATM locator before withdrawing from other banks
Drive-Thru Banking Services
Drive-Thru Availability:
- Most full-service Arvest branches have drive-thru windows
- Extended hours (often 8:30 AM – 5 PM weekdays)
- Services: deposits, withdrawals, payments, transactions
- Convenient for quick banking needs
Drive-Thru Limitations:
- Cannot open new accounts via drive-thru
- Complex transactions require branch visit
- Not available at limited-service locations
- Possible wait times during peak hours
Arvest Bank Hours — Opening, Closing & Holidays
What Time Does Arvest Bank Open?
Standard Opening Times:
| Day of Week | Opening Time |
|---|---|
| Monday-Friday | 9:00 AM – 8:30 AM (varies by location) |
| Saturday | 9:00 AM – 10:00 AM (limited locations; varies) |
| Sunday | Closed (most locations) |
Extended Hours: Most locations open earlier for business customers; weekday hours extended until 5-6 PM
ATMs & Online Banking: Available 24/7 regardless of branch hours
Verification: Use branch locator at arvest.com/locations to confirm your specific location’s opening time.
What Time Does Arvest Bank Close?
Standard Closing Times:
| Day of Week | Closing Time |
|---|---|
| Monday-Friday | 5:00 PM – 6:00 PM (varies by location) |
| Saturday | 12:00 PM – 2:00 PM (limited locations; varies greatly) |
| Sunday | Closed (all locations) |
Drive-Thru Hours: Often open 30 minutes to 1 hour later than lobby (until 5:30-6:30 PM weekdays typical)
Note: Hours vary significantly by branch location. Always check arvest.com/locations for your specific branch’s hours.
Is Arvest Bank Open Today?
Quick Ways to Check:
- Google Search: Search “Arvest Bank near me” → Google displays real-time hours
- Branch Locator: Visit arvest.com/locations → search location → view current hours
- Mobile App: Open Arvest Go → tap “Locations” → find branch → see hours
- Call Branch Directly: Contact your local Arvest branch for confirmation
- 24/7 Access Available: ATMs and online/mobile banking always available
On Holidays:
- Branches closed on federal holidays
- ATMs available 24/7
- Online banking and mobile app fully functional
- Automatic payments and deposits process normally
- Customer service may be limited on some holidays
2026 Holiday Schedule
| Holiday | Date | Branch Status |
|---|---|---|
| New Year’s Day | Wednesday, Jan 1 | Closed |
| MLK Jr. Day | Monday, Jan 20 | Closed |
| Presidents Day | Monday, Feb 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Friday, June 19 | Closed |
| Independence Day | Saturday, July 4 | Closed |
| Labor Day | Monday, Sept 1 | Closed |
| Columbus Day | Monday, Oct 13 | Closed |
| Veterans Day | Friday, Nov 11 | Closed |
| Thanksgiving | Thursday, Nov 27 | Closed |
| Christmas | Friday, Dec 25 | Closed |
Arvest Bank CD Rates — 2026 APY Guide
Arvest Bank offers Certificates of Deposit (CDs) with various term lengths and both standard and promotional APY rates.
Current Arvest Bank CD Rates (December 2025)
Personal CD Rates:
| CD Term | Interest Rate | APY | Minimum Deposit |
|---|---|---|---|
| 3-Month | Varies | 0.01%-0.50% | $500 |
| 6-Month | Varies | 3.45%-3.55% | $500 |
| 12-Month | Varies | 2.75%-3.00% | $500 |
| 24-Month | Varies | 2.50%-2.75% | $500 |
| 36-Month | Varies | 2.25%-2.50% | $500 |
| 60-Month | Varies | 2.00%-2.25% | $500 |
IRA CD Rates (for Individual Retirement Accounts):
- Similar terms available as personal CDs
- Tax-deferred earnings growth
- Withdrawal restrictions apply before age 59½
- Consult tax advisor for implications
What Is Arvest Bank Current CD Rate Today?
Best Current Rates (December 2025):
- 6-Month CD: 3.55% APY (competitive promotional rate)
- 12-Month CD: 3.00% APY (varies by promotion)
- 24-Month CD: 2.75% APY (varying rates)
- 36-Month CD: 2.50% APY
Key Insights:
- Promotional rates: Competitive (3.00%-3.55% APY) but limited to specific terms
- Standard rates: Lower on short-term CDs (0.01%-0.50% APY)
- Rates subject to change: Check arvest.com/rates for current offers
- Minimum deposit: $500 across all terms
- Rate comparison: Arvest rates competitive with some online banks on select terms
Arvest Bank CD Rates vs Competitors
| Term | Arvest Bank | Ally Bank | Marcus | Online Average |
|---|---|---|---|---|
| 6-Month | 3.55% | 4.00% | 3.95% | 3.98% |
| 12-Month | 3.00% | 4.10% | 4.00% | 4.05% |
| 24-Month | 2.75% | 3.95% | 3.85% | 3.90% |
| 36-Month | 2.50% | 3.85% | 3.75% | 3.80% |
| 60-Month | 2.25% | 3.70% | 3.65% | 3.68% |
Analysis:
- Arvest vs online banks: Arvest rates slightly below online specialists (0.40%-0.80% lower)
- Competitive advantage: Arvest 6-month CD (3.55%) competitive with some online offerings
- Best strategy: Compare specific terms; Arvest competitive on 6-month; online banks better for longer terms
- For rate maximizers: Online banks generally offer slightly higher rates
Early Withdrawal Penalties (EWP)
| CD Term | Early Withdrawal Penalty |
|---|---|
| 3-Month | 1 month simple interest |
| 6-Month | 3 months simple interest |
| 12-Month | 6 months simple interest |
| 24-Month | 9-12 months simple interest |
| 36-Month | 12 months simple interest |
| 60-Month | 12+ months simple interest |
Example: $10,000 12-month CD at 3.00% APY
- If withdrawn at 6 months: lose 6 months interest ($150) as penalty
- Net earnings: $150 interest earned minus $150 penalty = $0
- Demonstrates importance of committing funds for full CD term
CD Features & Terms
Minimum Deposit: $500 for all CD terms
Compounding: Interest compounds daily (standard practice)
Maturity: Upon maturity, CD automatically renews unless instructions provided
Renewal: Contact Arvest before maturity to prevent auto-renewal or change terms
FDIC Insurance: All CDs covered up to $250,000 per account owner (separate from savings insurance)
Arvest Online Banking Features
Arvest’s online and mobile platforms provide comprehensive account management tools for personal and business customers.
Bill Payment Service
- Pay any bill to any U.S. payee
- Recurring payment setup (monthly bills, subscriptions)
- Scheduled payments in advance (prevents missed deadlines)
- View complete payment history
- Free service (no bill pay fees for most accounts)
- Payments process within 1-3 business days
Mobile Check Deposit
- Use smartphone camera to photograph checks
- Capture front and back of check
- Mobile deposit anytime, anywhere (24/7)
- Funds typically available next business day
- No branch visit required
- Deposit limits: $5,000-$10,000 per check typical
- Convenient for remote workers and frequent travelers
Account Transfers
- Transfer between own Arvest accounts (instant)
- Transfer to accounts at other banks (1-3 business days via ACH)
- Schedule transfers in advance
- Recurring automatic transfers possible
- Free for most account types
Account Alerts & Notifications
- Balance Alert: When account drops below threshold
- Transaction Alert: When specific amounts posted
- Bill Due Reminder: Before payment deadline
- Large Purchase Alert: When unusual transaction amount detected
- Fraud Detection: Suspicious activity warning
- Delivery Options: SMS text message or email
Money Management Tools
Arvest includes personal financial management features:
- Account Aggregation: View non-Arvest accounts together
- Budget Creation: Set spending goals by category
- Spending Tracking: Monitor where money goes
- Financial Snapshot: Complete picture of finances
- Goal Setting: Save for specific objectives
- Expense Reports: Track spending patterns
Additional Online Services
- eStatements: Paperless statement delivery
- Account Documents: Download statements, tax forms, documents
- Secure Messaging: Contact Arvest through portal
- Stop Payments: Cancel outstanding checks
- Wire Transfers: Initiate domestic/international wires
- Account Settings: Update contact info, preferences
- Password Management: Change passwords and security questions
Arvest Bank Customer Service — How to Get Help
Arvest Bank provides multiple customer support channels to assist with account questions and issues.
Primary Customer Service Numbers
Personal Banking Support:
1-866-952-9523 (Toll-free; extended hours)
Technical Support:
1-844-225-8347 (Dedicated online banking support)
24-Hour Account Information Line:
1-800-601-8655 (Press 7 for account information menu)
Customer Service Hours
| Day | Hours (CST) |
|---|---|
| Monday-Friday | 7:00 AM – 7:00 PM (extended) |
| Saturday | 8:00 AM – 5:00 PM |
| Sunday | 9:00 AM – 5:00 PM |
24/7 Support: Automated phone system available anytime for balance inquiries, payments, transactions
Languages: English and Spanish support available
Support Channels Available
Phone Support:
- Call 1-866-952-9523 for personal banking
- Extended weekday hours (7 AM – 7 PM)
- Weekend support (8 AM – 5 PM Sat, 9 AM – 5 PM Sun)
- 24/7 automated system for basic transactions
Online Messaging:
- Secure message through online banking portal
- Available 24/7
- Response time: 24-48 hours typical
- Good for non-urgent questions
Mobile App Support:
- In-app messaging when available
- Limited availability during business hours
- Help section with FAQs and tutorials
Email Support:
- Through arvest.com “Contact Us” form
- Response time: 24-48 hours
- Not recommended for urgent issues
In-Person Support:
- Visit any of 277+ branch locations
- Speak directly with banker
- Appointment scheduling for complex matters
- Personal banking relationships available
Social Media:
- Limited official support via Facebook/Twitter
- Primarily informational channels
- May get responses within 24-48 hours
Best Times to Reach Customer Service
Shorter Wait Times:
- Before 9 AM (early morning, lower volume)
- 4-7 PM (after business rush)
- Tuesday-Thursday (slower than Mon/Fri)
- Mid-day 11 AM – 2 PM (moderate volume)
Longer Wait Times:
- Monday morning (post-weekend backlog)
- Friday afternoon (end-of-week volume)
- End of month (bill payment rush)
- Around holidays
Does Arvest Bank Offer Zelle?
Yes, Arvest Bank offers Zelle for both personal and business customers to send and receive money quickly.
Zelle Availability at Arvest Bank
Arvest Bank customers have full access to Zelle for peer-to-peer money transfers through:
- Personal online banking
- Personal Arvest Go mobile app
- Business online banking
- Business Arvest Go app
How to Use Zelle at Arvest Bank (Personal)
Enrollment:
- Log into Arvest Bank online banking or Arvest Go app
- Select “Send Money with Zelle®” or “Zelle”
- Enter email address or U.S. mobile number
- Receive verification code
- Enter verification code
- Accept terms and conditions
- Account ready to send/receive money
Sending Money:
- Select “Send” in Zelle
- Choose recipient from contacts or add email/phone
- Enter amount to send
- Add optional note
- Review details
- Click “Send”
- Recipient notified via email/text
- Money typically available in minutes (if recipient enrolled)
Receiving Money:
- Share your enrolled Zelle email or phone number
- Recipient sends money through their Zelle-enabled bank
- You receive notification
- Money deposited directly to your Arvest account
- Arrives in minutes (if you’re already enrolled)
Requesting Money:
- Select “Request” in Zelle
- Enter recipient’s email or phone
- Enter amount requested
- Recipient receives request notification
- They approve and send payment
- Money arrives once sent
Zelle at Arvest Bank for Business
Business customers can accept customer payments via Zelle:
- Through business online banking
- Funds deposited directly to business account
- Fast payment collection method
- Customers send directly to your Zelle email/phone
Important Zelle Details
Transfer Limits:
- Daily and monthly transfer limits apply
- Limits vary based on account type and enrollment status
- Contact (866) 952-9523 for specific limit information
Fees:
- No fees for Arvest customers to use Zelle
- Mobile carrier’s messaging/data rates may apply
- Your provider charges standard SMS/data fees
Speed:
- Money typically arrives within minutes if recipient enrolled
- If not yet enrolled, they receive request to enroll first
- Once enrolled, money transferred to their account immediately
Cancellation:
- Can only cancel if recipient hasn’t enrolled yet
- Once recipient enrolled and receives money, transfer cannot be reversed
- Accuracy is critical—always verify recipient information
Security:
- Only send to people you trust
- Verify correct email address or phone number
- Zelle offers no protection against mistakes
- Reversible only if recipient hasn’t enrolled yet
Is Arvest Bank a Good Bank in 2026? (Pros & Cons)
Pros: Why Arvest Bank Works for Some Customers
✅ Strong Regional Presence & Stability
277+ banking centers and $27.3+ billion in assets provide convenient local branch access. Family ownership by the Walton family ensures long-term stability.
✅ Excellent Customer Service
Extended weekday hours (7 AM – 7 PM), weekend availability, and multiple support channels (phone, online, in-person) provide comprehensive customer support.
✅ Modern Online & Mobile Banking
BlueIQ online banking and Arvest Go mobile app rival online-only banks for features—mobile check deposit, bill pay, Zelle, money management tools.
✅ Community-Focused
Regional bank heritage with local branch management, boards of directors, and community involvement differentiate Arvest from national mega-banks.
✅ Zelle Integration
Free Zelle access (no fees) makes money transfers fast and convenient—typically minutes vs. 1-3 days for traditional transfers.
✅ Competitive Promotional CD Rates
6-month CDs at 3.55% APY compete well with online banks on specific terms.
✅ FDIC Insurance Protection
Full federal deposit insurance (up to $250,000 per account category) guarantees safety of customer funds.
✅ Extended Branch Hours
Hours until 5-6 PM weekdays and Saturday availability (some locations) provide convenience vs. banks closing at 4-5 PM.
Cons: Arvest Bank Limitations
❌ Limited Geographic Reach
Only 277 branches across 4 states (AR, KS, MO, OK). If you travel or need national banking, Arvest won’t work. Compare to Chase (4,700 branches), Bank of America (4,700), Wells Fargo (4,200).
❌ CD Rates Trail Online Banks
Arvest CD rates (2.25%-3.55%) lower than online specialists (3.65%-4.10% typical). On 12-month CDs: Arvest 3.00% vs. Ally 4.10% (1.10% difference).
❌ Low Standard Savings/Checking Rates
Standard savings rates extremely low (near 0%). Checking accounts offer minimal interest. Lose money to inflation.
❌ Monthly Account Fees
Some account types include monthly maintenance fees (varies by account tier). Fees reduce earnings and profitability.
❌ Harsh Early Withdrawal Penalties
Longer-term CDs have substantial EWPs (up to 12 months interest). Significant cost if need funds before maturity.
❌ Not Ideal for Rate Maximizers
Customers prioritizing CD rates should use online banks (Ally, Marcus, Synchrony) offering 4%+ APY, not Arvest’s 2-3.5%.
❌ Limited National Presence
Regional bank structure means limited benefit if needing nationwide access or relocating.
❌ No Premium Rewards Programs
Credit cards offer limited rewards compared to premium cards offering 2-5% cash back.
Frequently Asked Questions — Arvest Bank (2026)
What Time Does Arvest Bank Open?
Standard opening times: 8:30 AM – 9:00 AM Monday-Friday (varies by location). Some locations open earlier for business customers. Saturday: 9:00 AM – 10:00 AM (limited locations). Closed Sundays. ATMs and online banking open 24/7. Check arvest.com/locations for your specific branch’s opening time.
What Time Does Arvest Bank Close?
Standard closing times: 5:00 PM – 6:00 PM Monday-Friday (varies by location). Saturday: 12:00 PM – 2:00 PM (limited locations; varies greatly). Drive-thru often open 30-60 minutes later. Use arvest.com/locations to confirm your branch’s exact closing time.
Is Arvest Bank Open Today?
To check: Visit arvest.com/locations, enter your ZIP code, and view real-time hours for your nearest branch. Call your local branch at (866) 952-9523 to confirm before visiting. ATMs and online banking available 24/7.
Is Arvest Bank FDIC Insured?
Yes, absolutely. Arvest Bank is FDIC member (Certificate #), with all customer deposits insured up to $250,000 per account category by federal government guarantee. Your funds are protected even if bank fails.
Does Arvest Bank Offer Zelle?
Yes, Arvest Bank customers have full access to Zelle in personal and business online banking and mobile apps. Send/receive money using email or U.S. phone number. Money typically arrives in minutes if recipient enrolled. No Arvest Bank fees (standard SMS/data rates apply). Transfers cannot be reversed once recipient enrolls, so verify information carefully.
Who Owns Arvest Bank?
Arvest Bank is almost entirely owned by the Walton family, the founding family of Walmart. The bank is controlled through Arvest Financial Corporation, a private holding company. Jim Walton (Walmart founder Sam Walton’s son) serves as Chairman and CEO of Arvest Bank Group Inc. Family ownership provides stability, long-term vision, and strong community commitment.
What Is Arvest Bank Routing Number?
Arvest Bank’s primary routing number is 082900872. Use this for direct deposits, bill payments, ACH transfers, and wire transfers (domestic and international). Find on your check (bottom left, first 9 digits), in online banking under “Account Details,” or call (866) 952-9523. For international wires, also use SWIFT code ARVTUS33.
Expert Tips for Arvest Bank Customers in 2026
1. Lock In Competitive CD Rates When Available
Strategy: Take advantage of Arvest’s competitive 6-month CD rate (3.55% APY) when available.
Action: Check arvest.com/rates monthly. When you see 3.5%+ rates, open CDs immediately. Compare to online banks; if Arvest competitive, benefit from local relationship.
Example: $25,000 in 6-month CD at 3.55% APY earns $443 interest vs. 0.01% standard savings ($3) — $440 difference!
2. Use Extended Branch Hours Effectively
Strategy: Leverage Arvest’s extended weekday hours (7 AM – 7 PM) and Saturday availability for branch banking.
Action: Handle complex transactions during extended hours when branches less crowded. Take advantage of personalized service vs. drive-thru lines.
3. Consider Online Banks for Higher Savings Rates
Strategy: Keep checking/mortgage with Arvest; move savings to online bank for 4%+ APY.
Why: Arvest savings rates near 0% lose purchasing power. Online banks (Ally, Marcus) offer 4.00%+ APY.
Action: Open Ally or Marcus savings account. Move $10,000+ to earn $400+/year vs. ~$0 at Arvest.
4. Maximize Zelle for Quick Money Transfers
Strategy: Use Zelle for peer-to-peer payments (free, minutes arrival).
Benefits:
- Free (no transaction fees)
- Fast (typically minutes)
- Direct to bank account (safer than cash)
- No need for Venmo or other services
Action: Enroll in Zelle (2 minutes). Share email/phone with friends/family. Receive Zelle payments directly into Arvest account.
5. Avoid Monthly Account Fees
Strategy: Maintain minimum balance or confirm no-fee accounts before opening.
Action:
- Confirm account type has no monthly maintenance fees
- Maintain any required minimum balances
- Set reminder before balance drops below threshold
- Use no-fee checking to eliminate monthly charges
6. Leverage Community Banking Relationships
Strategy: Build personal relationships with local bankers for mortgages, business loans, credit.
Why: Regional bank structure with local management provides personalized service vs. national bank corporate policies.
Action: Visit local branch; speak with banker; discuss financial goals; request relationship manager for future transactions.
7. Build Emergency Fund Separately
Strategy: Don’t rely on Arvest savings (near 0% APY) for emergency fund.
Action:
- Open Ally or Marcus savings account (4%+ APY)
- Transfer $500-1,000/month from Arvest checking
- Build 3-6 months expenses separately
- Maintain Arvest checking for convenience
Conclusion — Should You Choose Arvest Bank in 2026?
Arvest Bank is a solid regional banking choice for Arkansas, Kansas, Missouri, and Oklahoma customers who value in-person banking, strong customer service, and community relationships, but lower CD rates and limited geographic reach make online banks better for rate-focused savers and customers prioritizing maximum interest earnings.
Summary: Arvest Bank’s 2026 Competitive Position
Key Strengths:
✅ 277+ branches across AR, KS, MO, OK (strong regional presence)
✅ $27.3+ billion assets with Walton family ownership (stability)
✅ Extended hours (7 AM – 7 PM weekdays) and weekend availability
✅ Modern online/mobile banking with Zelle integration
✅ Excellent customer service (multiple support channels)
✅ Community focus with local branch management
✅ Competitive 6-month CD rates (3.55% APY)
✅ FDIC insurance protection
Major Limitations:
❌ Limited to 4 states (poor for national travel/relocation)
❌ CD rates trail online banks (Arvest 3.00%-3.55% vs. Ally 4.00%+)
❌ Near-zero savings/checking rates
❌ Possible monthly account fees
❌ Harsh early CD withdrawal penalties
❌ Not ideal for rate maximizers
Who Arvest Bank Is Best For (2026)
Ideal Candidates:
- Residents of Arkansas, Kansas, Missouri, or Oklahoma
- Customers valuing personal banking relationships
- Homebuyers seeking mortgage services
- Business owners needing commercial banking
- Those willing to trade higher rates for local service
- People comfortable with digital banking who want branch backup
Better Alternatives For:
- High-yield savings: Ally Bank (4.00%+ APY), Marcus (4.00%+)
- National coverage: Chase Bank (4,700 branches), Bank of America
- CD rate seekers: Online banks (often 4.00%+ on select terms)
- Digital-first: Online-only banks (Ally, Discover)
2026 Recommendation: Hybrid Banking Strategy
Optimal Multi-Bank Approach:
- Keep Arvest checking account ($0-10 balance, for bill pay, Zelle, branch access)
- Move savings to Ally or Marcus (4%+ APY vs. Arvest’s near 0%)
- Use Arvest CDs only when rates above 3.5% (competitive with online banks)
- Leverage Arvest mortgages if buying/refinancing home
- Build emergency fund online (4%+ earnings, backup access)
Why This Works:
- Maintains convenience of Arvest checking and local branch access
- Moves savings to higher-yield accounts (exponentially better returns)
- Uses Arvest’s competitive CDs when worthwhile
- Leverages local banking relationships for major financial needs
- Provides financial diversification and risk mitigation
Before Choosing a Bank, Build Your Financial Foundation
Regardless of which bank you choose, establishing adequate emergency savings is critical in 2026’s economic environment. Before opening any account, determine how much you should realistically save for financial security.
Use our Emergency Fund Calculator at https://emergencyfundcalculator.com/ to calculate exactly how much you should save based on your monthly expenses, income stability, number of dependents, and household situation. Combined with smart banking choices, a properly funded emergency fund provides financial resilience and peace of mind for whatever 2026 brings.