Open an Account
Wherever You Are
Ocean Personal Checking
- Minimum opening deposit $20
- Avoid the $15 monthly maintenance fee by enrolling to receive electronic eStatements or maintaining a $1,000 average daily balance
- Pay with Mastercard® debit card, digital wallet, Mobile Banking, Online Bill Pay or paper checks
- Track spending with the My Ocean Guide cash flow management tool
Ocean Personal Checking
with Student Advantage
- For teens and young adults age 13 to 24; if primary account holder is age 17 or younger, an adult account co-owner is required
- All the benefits and features of Ocean Personal Checking plus:
- No monthly maintenance fee
- No Ocean Bank transaction fees at non-proprietary ATMs
- Account is automatically enrolled in eStatements
Online account opening is available for primary account holders age 18 and above. Visit a branch to open an account for a minor age 13 to 17.
Ocean Personal Checking
with Senior Advantage
- For customers age 55 and above
- All the benefits and features of Ocean Personal Checking plus:
- No monthly maintenance fee
- Free checks when ordered with your Account Officer
Ocean Personal Savings
- Minimum opening deposit $250
- Earn interest View Rate
- Avoid the $5 monthly maintenance fee by maintaining a $250 average daily balance
- Avoid the $5 paper statement fee by enrolling to receive eStatements
- Set your savings goals with the My Ocean Guide cash flow management tool
- Interest rates/APYs may vary after account opening
- Fees could reduce earnings
Online account opening is available for primary account holders age 18 and above. Visit a branch to open an account for a minor age 17 or younger.
Credit Cards
- Enjoy the global acceptance of Mastercard® at home and around the world
- Earn points for qualifying net purchases1 and redeem for cash, travel and merchandise
- Easy, online account management
Enjoy features designed for your lifestyle
Digital Wallet
Pay contactless by uploading your Mastercard® debit card and credit cards to your digital wallet
Online Banking and Mobile Banking2, 3
Check account balances, pay bills and receive alerts to stay up to date on account activity
Zelle®
Send money using only an email address or U.S. mobile phone number4
Learn more.
Budgeting
Set up a budget and track progress with the spending and expense categorization tool, My Ocean Guide
Auto Save
Transfer funds from your Ocean Personal Checking to your Ocean Personal Savings
Direct Deposit
Set up direct deposit to get pay deposited electronically into your Ocean account
Online personal deposit account opening available to U.S. citizens who reside in the United States. Online personal credit card applications available to individuals who meet the card's eligibility requirements.
1 A qualifying net purchase is a purchase minus returns and/or other related credits. Subject to credit approval.
2 There is no charge for the Online Bill Pay service unless you request an expedited payment. Please refer to the Schedule of Fees and Service Charges.
3 Ocean Bank does not charge a fee to download or use the mobile banking app, or for Mobile or Text Banking; however, your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for message and data rate charges. To enroll in Ocean Bank Mobile Banking, you must have an Ocean Bank personal or business account, money market account, loan or certificate of deposit and be enrolled in Online Banking. You must be enrolled in Online Banking to register for Text Banking. Text Banking is available only on U.S. mobile phone number.
4 U.S. checking account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
©2022 Ocean Bank. Member FDIC.
Equal Housing Lender. Equal Opportunity Affirmative Action Employer.
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