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With all of our personal checking accounts, you get the option of adding any of these free features:
  24 hour telephone banking
  Online banking
  Bill Pay
  Unlimited Teller Service
  MasterCard® Check Card
  eStatements
Plus, always get free use of Ocean’s Bank 23 ATM locations in South Florida to check your account balance or get cash.
 
Ocean Plus Smart Checking (Free Checking)
For someone who wants it all - and wants it for free.
  Minimum opening balance: $20
  Monthly service fee: $0
  Minimum balance requirement: $0
    Learn more
 
Personal Checking
Our checking account packed with features, including free Money Orders and Official Checks.
  Minimum opening balance: $100
  Monthly service fee: $12
  Minimum balance requirement to avoid monthly service fee: $500 daily balance,
or $1,500 average daily balance
    Learn more
 
Preferred Checking
Preferred Checking has all the features of our other checking accounts. Plus, there's no minimum balance required to earn interest.
  Minimum opening balance: $1,000
  Monthly service fee: $15
  Minimum balance requirement to avoid monthly service fee: $5,000 daily balance or average daily balance. Or, a combined average daily balance of more than $10,000 in other Ocean Bank Checking, Money Market, Now or Savings accounts aggregated. CDs, IRAs and loan balances excluded. Tax ID determines aggregation.
    Learn more
 
Student Express Checking
For students 18 years and older with a valid school ID. Free incoming wire transfers makes it easy for parents to get students the money they need when they are studying away from home.
  Minimum opening balance: $20
  Monthly service fee: $0
  Minimum balance requirement: $0
    Learn more
 
Senior Citizens Account
Individuals 55 and over can take advantage of all of our free checking account services.
  Minimum opening balance: $50
  Monthly service fee: $0
  Minimum balance requirement: $0
    Learn more
 
     
 
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