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 Memorial Day, we will be closed Monday, May 26th. We will resume regular business hours on Tuesday, May 27th.

Ocean Bank - Financial Results as of December 31, 2024. Continued Financial Strength Learn more

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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