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Personal Checking Accounts
Get acrobat file with information and forms to help you switch your account to Ocean Bank
This is an account comparison table. Five account types (column headings) and account features (row headings)   Ocean Plus Smart Checking   Personal
Checking		   Student Express Checking   Senior Citizen Checking   Preferred
Checking
Minimum Opening Balance   $20   $100   $20   $50   $1,000
Monthly Service Fee   None   $12 if minimum balance is not met   None   None   $15 if minimum balance is not met
Minimum Balance Requirement   None   $500 Daily Balance or $1,500 Average Daily Balance   None   None   $5,000 Daily Balance or Average Daily Balance, or a Combined Average Daily Balance of $10,000 or More in Other Transaction Accounts.**
Unlimited Check Writing   yes   yes   yes   yes   yes
Free First Order of Checks   yes   no   yes   yes
Additional orders
of standard checks are free		   no
Cost Per Item   None   None   None   None   None
Free Online Banking   yes   yes   yes   yes   yes
Free Bill Pay   yes   yes   yes   yes   yes
Free Mobile Banking*   yes   yes   yes   yes   yes
Free eStatements   yes   yes   yes   yes   yes
Free MasterCard®
Check Card		   yes   yes   yes   yes   yes
24-Hour
Telephone Banking		   yes   yes   yes   yes   yes
Free Unlimited
Teller Service		   yes   yes   yes   yes   yes
Can Earn Interest                   yes
Free Incoming Domestic Wire Transfers   no   no   yes   no   no
Special Rates on CDs                   yes
Special Requirements
or Features		   none   none   Must be 18 years of age or older and a student to open this account. One-time overdraft or stop payment fee refunded over the lifetime of the account.   Must be 55 years of age or over to open this account.   **Checking, Money Market, Now or Savings accounts will be the only accounts that will be aggregated. CD's, IRA's and Loan balances not included.
Tax ID will determine aggregation.
*Ocean Bank does not charge a fee 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. You must be enrolled in Consumer Online Bill Pay Service to pay bills. You must be enrolled in Consumer Online Banking to register for Text Banking. Text Banking is available only on U.S. mobile phone numbers. Products available only in English / Estos productos están disponibles únicamente en Inglés.
 
 
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