Service Notice: Our online banking system is temporarily unavailable. We’re working to restore access as quickly as possible.
For assistance, contact our Customer Service: 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648), International Toll Free 1-828-623-2625. 

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In observance of Labor Day, we will be closed Monday, September 1st. We will resume regular business hours on Tuesday, September 2nd.

Ocean Bank® - Financial Results as of June 30, 2025. Continued Financial Strength Learn more

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Explore what Ocean can do for you

Achieve your goals with the right loan.

Do more digitally, online, and in person.

Optimize your operation's cash flow.

Everyday Banking

Banking that

revolves around

your world.

Online & Mobile Banking

Financing

expertise to help

build your vision.

Ocean Contactless Credit Cards

Credit cards

for anything and

everything.

Commercial Real Estate Lending

Financing

expertise to help

build your vision.

Achieve your goals with the right loan.

Do more digitally, online, and in person.

Optimize your operation's cash flow.

Everyday Banking

Banking that revolves around your world.

Ocean Contactless Credit Cards

Credit cards for anything and everything

Commercial Real Estate Lending

Financing expertise to help build your vision

Ocean Bank is the largest independent, state-chartered commercial bank headquartered in Florida

Based on FDIC deposits as of June 30, 2025

Ocean Bank by the numbers

Founded 1982

Branches 24

Total Assets $7.2b

BauerFinancial Rating 5-Star

Our mission is to be the recognized Banking Leader in strength, efficiency and profitability serving businesses and individuals in Florida and international markets.

Our commitment to the community and our team

Ocean Bank Family

Happy customers

start with happy

employees

Ocean Bank & The Community

Making sure

Miami stays

Miami

Environmental Protection

The Ocean Bank

commitment to

the ocean

Ocean Bank Family

Happy customers start with happy employees

Ocean Bank & The Community

Making sure Miami stays Miami

Environmental Protection

The Ocean Bank commitment to the ocean

Open your account online

Go digital and bank like you’ve never banked before


*Annual Percentage Yield (APY) is accurate as of September 23, 2025. The minimum balance required to open a CD is $2,500. Must be new money to Ocean Bank. New money is funds not currently on deposit at Ocean Bank. Interest rates may change without notice. Initial CD deposit amount is required to be maintained each day to earn the APY disclosed. There will be a penalty for early withdrawals on CDs. Offer does not apply to IRA CDs. Offer subject to change without notice and subject to change at any time.

**Subject to availability. Offer applies to new checking and savings accounts opened with new money to the Bank. New money is funds not currently on deposit at Ocean Bank. Offer applies to all Safe Deposit Box sizes. Available to consumers and businesses.