ONLINE BANKING SYSTEM WILL BE TEMPORARILY UNAVAILABLE - The online banking system will be unavailable due to maintenance from Friday, May 17, 2024, at 10pm ET through Saturday, May 18, 2024, at 2pm ET. For more information, contact our Customer Service Center at 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648), International Toll Free 1-828-623-2625. 

In observance of Independence Day, we will be closed Thursday, July 4th. We will resume regular business hours on Friday, July 5th.

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

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Call Us: 305-569-5000
Ocean Bank

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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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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.

 

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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.

 

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New Location

Power Your Savings Orlando

5.40 %APY¹
9-Month CD
¹Exclusive promotion. See disclosures at bottom of page.
Open now

Power Your Savings Orlando

5.00 %APY¹
9-Month CD
Exclusive promotion
¹In-branch promotion only. See disclosures at bottom of page.

Power Your Savings Orlando

5.00 %APY¹
9-Month CD
Exclusive promotion
¹In-branch promotion only. See disclosures at bottom of page.

Power Your Savings Orlando

5.00 %APY¹
9-Month CD
Exclusive promotion
¹In-branch promotion only. See disclosures at bottom of page.

Power Your Savings Orlando

5.00 %APY¹
9-Month CD
Exclusive promotion
¹In-branch promotion only. See disclosures at bottom of page.

Power Your Savings Orlando

5.00 %APY¹
9-Month CD
Exclusive promotion
¹In-branch promotion only. See disclosures at bottom of page.

Power Your Savings Orlando

5.40 %APY¹
9-Month CD
 
¹Exclusive promotion. See disclosures at bottom of page.
Open now

 

 

 

Here's how to Power Your Savings with an Ocean CD 

Apply

 

Just 5 minutes to apply online.

 

For a personal CD, you’ll need a Social Security Number and driver’s license or state-issued photo ID.

 

 

Transfer

 

Provide the routing number and account number that you will use to fund the account. The minimum amount to open the CD is $2,500, and the full amount of your CD savings must be transferred at the time of opening.

 

Save

 

Check your email for confirmation of your account opening. Remember to check your spam folder.

 

Once you received the confirmation you're all set and you are powering your savings.

 

Power Your Savings

4.25 %APY²
6-Month CD
²Special promotion. See disclosures at bottom of page.
Open now

Earn interest without market risk 

Power Your Savings

4.25 %APY²
6-Month CD
²Special promotion. See disclosures at bottom of page.
Open now

FDIC-Insured

Your money is insured up to $250,000, and up to $500,00 if you open with a co-owner.

Fast Start

 

Open online in about 5 minutes, or visit one of our South Florida locations.

Guaranteed Return

Lock in a fixed rate for the full term of the CD so you know what you'll earn from the start.

See Your Progress

Use our mobile app to check your account and watch your money grow.

Auto-Renew or Withdraw

At maturity, your CD will renew automatically for the same term. It may be at a different rate. Or, you can withdraw your money.

No Fees

There are no account opening or monthly maintenance fees. If you withdraw your funds before maturity, a penalty will apply.

We’re new to town, not to business. New branch in Downtown Orlando.

Downtown Orlando Branch

111 N Magnolia Ave., Suite 100

Orlando, Fl 32801

Open my account now

1Annual Percentage Yield (APY) is accurate as of July 10, 2023. 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. Initial deposit required to be maintained for the term to earn APY. There will be a penalty for early withdrawals. Offer does not apply to IRA CDs. Offer subject to change without notice or offer subject to change at any time. Offer only available to consumers located in Orlando, FL. 

2Annual Percentage Yield (APY) is accurate as of July 10, 2023. 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.

Here's how we can help.

Buy space your business needs today, consider more square footage for future growth or to sublease for rental income.

Talk with an expert

Your U.S. business may qualify for long-term, fixed rate loans from $125,000 to $5.5 million.

Find out more

Here's how we can help.

Checks from customers and tenants are mailed to an Ocean P.O. Box for processing and deposit into your account.

See how

Give customers the option to pay with credit, debit and gift cards and use their digital wallet, in person and online.

Find out how

Send customers electronic invoices and automated payment reminders, plus accept payments by credit card, debit card or eCheck.

See what you can do

Receive electronic payments up to $100,000 in an instant, at no cost to you or the sender. Simply provide the Ocean Bank ABA routing number (066011392) and your account number.

Find your account number

Here's how we can help.

Load on to your digital wallet and pay contactless, plus issue cards to employees to earn rewards faster.

Find credit card

Open a basic checking account with $100, then add services to operate efficiently and maximize cash flow.

Open now

Here's how we can help.

Ocean participates with the Small Business Administration to help you access capital to start or grow your business.

 

If your U.S. business has a net worth of less than $15 million and reported income after taxes less than $5 million for the past two years, you may qualify for a loan from $125,000 to $5.5 million.

Explore options

If your U.S. business has annual revenues less than $7.5 million and has already used other funding sources, you may qualify for a loan up to $5 million.

See what you can do

Here's how we can help.

Enjoy a low intro rate on purchases and balance transfers plus the global acceptance of Mastercard®. Issue cards to employees with set spending limits and earn rewards even faster.

Find credit card

Use your Ocean business Certificate of Deposit to back a card with all Mastercard® benefits and features. Get started with as little as $500.

Find credit card

Here's how we can help.

Fast closing on the right property for your next development with maturity options and repayment terms to meet your goals and timeline.

Speak with an expert

Acquire or develop commercial property without tapping into operating cash flow.

Find out more

Build from the ground up or renovate from the inside out.

Talk with an expert