In observance of Presidents’ Day, Ocean Bank branches will be closed Monday, February 16th. We will resume regular business hours on Tuesday, February 17th. 
Online and Mobile Banking remain available 24/7 for your convenience.

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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.

 

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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.

 

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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

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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.

 

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Ocean Bank SMS

 

 

Ocean Bank SMS Text Messaging Program - Terms of Service

Privacy Notice

Privacy Opt Out Request Form

Ocean Bank is committed to protecting your privacy and providing clear information on how we use SMS (text messaging) to communicate with our customers. This policy outlines how your mobile number may be used and your rights regarding SMS communications.

 

1. Account and Fraud Alert SMS Messages 

As part of our account servicing and fraud prevention efforts, Ocean Bank may send you SMS messages related to:
    • Suspicious activity or potential fraud on your account
    • Account balance and transaction alerts (if enrolled)
    • Security updates, login attempts, or password changes
    • Other critical, service-related notifications

 

By providing your mobile number, you consent to receive these non-marketing, informational messages. Message frequency varies based on account activity. Standard message and data rates may apply depending on your wireless carrier.

These messages are considered essential for your account security. Opting out may limit our ability to notify you of suspicious activity or critical changes. To stop receiving these messages, reply “STOP” to any alert, though this may affect your service experience.

 

2. Promotional SMS Messages 

With your express consent, Ocean Bank may send promotional text messages that include:
    • Special offers, discounts, or product promotions
    • Invitations to participate in surveys or events
    • New product or feature announcements

 

Promotional SMS messages are sent only if you have opted in through one of our channels (e.g., online form, verbal consent, paper form). Message frequency varies. Message and data rates may apply.

You can opt out of promotional messages at any time by replying “STOP” to any message, or by contacting us directly. Opting out of promotional messages does not affect your ability to receive account-related alerts. 

 

For more details, please see our full Privacy Policy and Terms of Service at https://www.oceanbank.com/compliance-legal/Disclosures, or contact us at customerservice@oceanbank.com
305-569-5000
1-844-OCEAN4U (623-2648)
International Toll Free
1-828-623-2625

Overview


As part of our commitment to protecting your financial security, we may send you SMS text messages to notify you of important account activity, including potential fraud alerts and other critical account updates.


These alerts are designed to help you stay informed and respond quickly to suspicious transactions or changes affecting your accounts. Each message will identify Ocean Bank (“Ocean Bank,” “we,” or “us”) as the sender. Message and data rates may apply based on your mobile carrier. Ocean Bank adheres to applicable laws and industry standards, including the Telephone Consumer Protection Act (TCPA).

 

Consent Standards Definitions


“Prior Express Written Consent” or “Opt-In” means your signed, clear, and conspicuous agreement authorizing Ocean Bank to send Marketing & Customer Engagement Messages via SMS text messages to your mobile number, which may be sent using an automated system. Your electronic signature (for example, checking a box and/or clicking “Agree” or “Submit” on a website or electronic form, replying “YES” or another designated keyword to a SMS text message, or initiating an SMS text message to a designated number to Opt-In) satisfies this requirement under applicable law. Consent is not a condition of obtaining any product or service.

 

“Marketing & Customer Engagement Messages” include promotional offers, product updates, event invitations, and birthday greetings, and are distinct from Security, Authentication, Fraud, and Account Notification messages.
 

Current Scope

 
  • Active Programs: Security verification codes, fraud alerts, and account notifications. 
  • Future Programs: Marketing messages, birthday greetings, and promotional offers will require formal Opt-In consent before activation. 

 

Type of Messages

 
  • Security & Authentication: Verification codes, one-time passwords (OTP), and login confirmations.
  • Account Notifications: Balance updates, payment reminders, deposit confirmations, and statement availability.
  • Fraud & Security Alerts: Suspicious activity alerts, card lock notifications, and urgent security messages.
  • Marketing & Customer Engagement Messages (Opt-In Required): Birthday greetings, promotional offers, product updates, and event invitations.

IMPORTANT: Any message that is not related to fraud or account maintenance (such as marketing communications or birthday greetings) requires your formal Opt-In consent before we send it.

 

Consent & Enrollment

 
  • Account Servicing & Security Messages: By providing your mobile number during account setup or profile updates, you consent to receive informational and security-related texts.
  • Marketing & Customer Engagement Messages: You must explicitly opt-in by providing your Prior Express Written Consent to receive promotional or non-servicing messages. By enrolling in a Marketing & Customer Engagement Messages, you provide your Prior Express Written Consent to receive recurring SMS text messages from Ocean Bank at the mobile number you provide, which may be sent using an automated system. At the point of enrollment for any future Marketing & Customer Engagement Messages, program-specific disclosures, including expected message frequency and STOP/HELP instructions will be presented at the point of Opt-In along with links to these Terms and Ocean Bank’s Privacy Policy.

Consent is not required to obtain any product or service. Message frequency varies by program. Message and data rates may apply. 


Florida Residents: By enrolling in a Marketing & Customer Engagement Messages, you authorize Ocean Bank to send marketing SMS text messages to your mobile number using an automated system. Consent is not a condition of purchase or of obtaining services.

 

Message Frequency

 
  • Security & Fraud Alerts: Sent as needed for account protection.
  • Account Notifications: Based on your alert preferences.
  • Marketing & Customer Engagement Messages: Frequency disclosed at Opt-In.

 

Time-of-Day Compliance (Marketing)


Marketing & Customer Engagement Messages will be sent only during the permitted hours between 8:00a.m. and 9:00p.m. local time of the recipient. 

 

Opt-Out & HELP

 
  • You can cancel the SMS text messaging services at any time by texting “STOP” to the short code. We will send a one-time confirmation SMS text message acknowledging your opt-out.
  • For assistance, reply “HELP” or contact us at:
    • customerservice@oceanbank.com
    • 305-569-5000, 1-844-OCEAN4U (623-2648), or International Toll-Free 1-828-623-2625
  • You may revoke your consent to receive Marketing & Customer Engagement Messages via SMS text message at any time by replying “STOP”, “QUIT”, “END”, “REVOKE”, “OPT OUT”, “CANCEL” or “UNSUBSCRIBE”. We will send a one-time confirmation SMS text message acknowledging your opt-out. Ocean Bank processes opt-outs promptly [and maintains internal Do Not Text preferences].

If you are enrolled in multiple marketing programs, your opt-out may apply to the specific program from which you opt-out or to all marketing programs, as disclosed at enrollment; you can manage your preferences in online or mobile banking or by contacting us.

 

Do Not Text (DNT)

 

Ocean Bank complies with applicable Do Not Text requirements, [maintains an internal Do Not Text list,] and honors internal Do Not Text preferences.

 

Additional Disclosures

 
  • Carriers are not liable for delayed or undelivered messages.
  • Message and data rates may apply for any messages sent to you from us and to us from you.
  • If you have any questions regarding privacy, please read our Privacy Policy: Ocean Bank’s Privacy Policy

 

Security Reminder

 

WE WILL NEVER ASK FOR SENSITIVE INFORMATION (PASSWORDS, PINS, AND/OR FULL ACCOUNT NUMBERS) VIA SMS TEXT MESSAGE, TELEPHONE, EMAIL, OR ANY OTHER FORMS OF COMMUNICATION. IF YOU RECEIVE A SUSPICIOUS MESSAGE, DO NOT RESPOND AND CONTACT US DIRECTLY.