Online Banking System – Scheduled Maintenance Notice
The online banking system is scheduled for maintenance on Saturday, May 16, beginning at 10pm ET. During this maintenance window, access to certain online banking features may be limited.
For additional information, please contact our Customer Service Center at 305‑569‑5000, 1‑844‑OCEAN4U (1‑844‑623‑2648), or International Toll‑Free 1‑828‑623‑2625.

In observance of Memorial Day, we will be closed on Monday, May 25th. We will resume regular business hours on Tuesday, May 26th.
Online and Mobile Banking remain available 24/7 for your convenience.

Ocean Bank® - Financial Results as of March 31, 2026. Continued Financial Strength Learn more

Find your branch Call Us: 305-569-5000
Ocean Bank

Take care of it on the mobile app

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

Now leaving the Ocean Bank website

 

You're going to a site that isn't owned or controlled by Ocean Bank, and might have different Privacy Policy, cookie control and security standards.

 

Continue

FDIC Coverage

 

 

Understanding FDIC-Insured Accounts

 

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects against the loss of deposits if an FDIC-insured bank fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost one penny of FDIC-insured funds.

 

All deposits at Ocean are FDIC-insured.

 

The FDIC's standard maximum deposit insurance amount (SMDIA) is $250,000. The coverage is automatic and includes the Bank’s checking accounts, savings accounts, money market accounts, CDs and IRAs. 

 

Find out how much FDIC Coverage there is on your accounts:

Single Account

$250,000 per owner

An account owned by one person

 

 

Joint Account

$250,000 per co-owner

For example, a husband and wife
$250,000 per co-owner

 

IRA Account

$250,000 per owner

Individual Retirement Account