skip to main content
Ocean Bank
Personal Banking   Commercial Banking   About Ocean Bank   Contact Ocean Bank
Online Banking
ENROLL NOW Personal | Business
LEARN MORE Personal | Business
Forgot User ID? | More Security 
Apply for an Ocean Bank Credit Card from Mastercard. Special Intro Rate Offer! Learn More.

Online Banking. Enroll Today.

Send and Receive Money With A Few Easy Clicks.

Your Complete Financial Picture At Your Fingertips. My Ocean Guide.

Eliminate Extra Paper with eStatments
Your Fnances, Anywhere Anytime
Banking Made to be Mobile
When you are enrolled in Online Banking,
there's a lot you can do from your mobile device
Mobile App Text Messaging Mobile Web
Mobile Check Deposit yes    
Check account balances yes yes yes
View recent transactions yes yes yes
Pay bills** yes no yes
Transfer funds to primary account yes yes no
Transfer funds to deposit and loan accounts yes no yes
Send money to another person using the Person to Person
payment service***
yes no yes
Locate a branch or ATM yes no yes
Use it for free* yes yes yes
Set it up with ease yes yes yes
Access accounts with as much security as Online Banking yes yes yes
Fingerprint authentication for secure access yes    
Access My Ocean Guide, the personal financial management tool yes    
Send/receive messages to Ocean Bank yes    
Stop Payments yes    
Quickly obtain your account balances without having to log in yes    
Mobile Banking
Your Time is as Valuable as Your Money!
Save time and make your life easier with Mobile Banking from Ocean Bank. Enjoy the security and convenience of banking with your mobile device using our downloadable app, mobile web or text banking. Make the choice that’s best for your lifestyle. Any way you use it, Mobile Banking is perfect for managing your money when you are on the go or when you just want to enjoy the convenience of banking from the comfort of your home or office…from virtually anywhere!
Get The App
Download the free* Ocean Bank Mobile Banking app for iPad®, iPhone®, AndroidTM and
Kindle FireTM and use your mobile device to complete a variety of banking transactions,
safely and securely.
  • Learn More >
    Our app is easy to use. Just search for Ocean Bank in your app store, download the app onto your mobile device and log in using the same User ID and password you use for Online Banking. You’ll gain the freedom to use your mobile device to:
      Deposit checks
      Pay bills**
      Check your balance instantly
      View personal account activity in real time
      Transfer funds between your Ocean Bank accounts
      Send money to another person using the Person to Person payment service***
      View Bank contact information
      Visit our FAQs to learn more
      Download on the App StoreGet it on Google Playavailable at amazon appstore
Person to Person Payment Service
This service makes it easy for you, your friends, and family to send and receive money. Pay anyone
you know or owe. Information is encrypted using industry leading software, hardware and algorithms,
so it’s safe and secure to send and receive money with just a few easy clicks. Plus, all you need is an
email address or mobile phone number. You can also send money to another person using their bank
account information.
Learn More >
Deposit Checks On The Go
Manage your finances and deposit checks into your savings, checking or money market account using the Mobile Deposit service available with our Mobile Banking app. It’s the ultimate convenience when you’re on the go and don’t have time to visit a banking center.
  • Learn More >
    Take advantage of this secure, convenient service. Here’s how:
    After you have downloaded the Ocean Bank Mobile Banking app onto your mobile device, follow these simple steps:
      1. Log into the app
      2. Select "Make a Deposit"
      3. Choose the account to receive the deposit
      4. Enter deposit amount
      5. Endorse the back of your check. Your endorsement must include your signature, account number and For Mobile Deposit.
      6. Take pictures of the front and back of check making sure the images are clear and do not cut off any edges of the check
      7. Confirm deposit and click “Submit.” You will receive an email at the email address connected to
    your Ocean Bank account, confirming that your deposit has been accepted. Save the check for
    60 days. After 60 days, once your deposit appears in your account, destroy the check or mark
    it “VOID.” Once a check has been deposited using Mobile Deposit, it cannot be resubmitted or
    Mobile Deposits are limited to $10,000 per day and $10,000 per month, per user.
      Visit our FAQs to learn more
Access The Web On Your Device
Access your Ocean Bank deposit account from anywhere, anytime by visiting using your mobile web browser.
  • Learn More >
    Our mobile web service is a fast, free* and secure way to:
      Check your account balance and transaction history
      Transfer funds between your Ocean Bank accounts
      Pay bills**
      Locate a branch or ATM
      View Bank contact information
      Visit our FAQs to learn more
Text Banking
Enjoy fast and convenient access to your finances from anywhere you go. Just use secure Text Banking to get your Ocean Bank deposit account at your fingertips – wherever you and your mobile phone go.
  • Learn More >
    To use text banking, message 305-220-4228 with one of the abbreviations below.
    Abbreviations are not case sensitive.
    BAL Get a balance on your primary account
    BAL ALL Get a balance on all accounts
    HIST View history of last 5 account transactions
    TRAN Transfer money between your Ocean Bank accounts or transfer funds to make a payment on your Ocean Bank loan
    HELP View all text banking commands
    STOP End your text banking service
    Visit our FAQs to learn more
*Ocean Bank does not charge a fee to download or use the app, or for Mobile or Text Banking; however, your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for message and data rate charges. Account transaction fees as described in the Fee Schedule may apply. To enroll in Ocean Bank Mobile Banking, you must have an Ocean Bank personal deposit account, money market account, loan or certificate of deposit and be enrolled in Online Banking.
** There is no charge for the Bill Pay service unless you request an expedited payment. Please refer to the Schedule of Fees and Service Charges. You must be enrolled in Online Banking to register for Text Banking. Text Banking is available only on U.S. mobile phone numbers. The Apple logo and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Kindle Fire, Amazon, the Amazon Kindle logo, and the Kindle Fire logo are trademarks of, Inc. or its affiliates.
***The person to person payment service standard delivery is within three business days. However if you wish to send your payment the next business day, there will be a $5 expedited fee.
©2019 Ocean Bank. Member FDIC.Equal Housing Lender. Equal Opportunity Affirmative Action Employer.
Privacy Statement | Disclosures | Credit Card Agreements