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 
Preferred Practice. Request Information. Contact a Preferred Practice Specialist Today.
To become a Preferred Practice client, please print and complete these forms, or contact us by phone at 305-877-7092, by email or by visiting a branch near you.
Link to Locations page.
Preferred Practice
Preferred Practice
Ocean Bank makes it easy for Doctors, Veterinarians and Dentists to handle routine banking, accept payments from clients and get access to credit. Preferred Practice combines personal and business banking services to provide a better banking experience for professionals who need convenience and want control. At Ocean Bank, we understand the unique nature of your practice and have trained professionals who specialize in the healthcare industry. We apply this experience to help you manage the revenue cycle of your practice.
Preferred Practice
Business Checking Account
To handle the banking needs of the practice,
a Business Checking Account is part of
Preferred Practice.
$100 minimum opening deposit
$20,000 average daily balance to avoid
$25 monthly maintenance fee
Unlimited transactions
Unlimited check writing
Free first order of standard checks
Free Mastercard® Debit Cards with ATM
Withdrawals up to $1,000 per day and POS
Transactions up to $2,500 per day
Free 24-hour Telephone Banking
Free Business Online Banking and Bill Pay
Free teller transactions
Free eStatements
Personal Checking Account
Preferred Practice includes an Ocean Bank
Ocean Plus Smart Checking Account for the
owners of the practice.
$20 minimum opening deposit
No minimum balance
No monthly maintenance fee
Unlimited check writing
Free first order of standard checks
Free Mastercard® Debit Cards
Free Mobile Banking
Free 24-hour Telephone Banking
Free Online Banking and Bill Pay
Free eStatements
Business Term Loan
A Preferred Practice Term Loan is designed
to provide capital for whatever your financing
needs may be. We provide financing for
practice acquisitions, partner buy-ins and
partner buy-outs, refinance and consolidation
of practice debts, expansion loans, equipment
purchases, real estate financing, start up and
working capital needs. Up to 100% financing
is available with both fixed and variable rate
options. Loan amounts range from $50,000
to $7,500,000.
Subject to credit approval.
Merchant Card Services
Preferred Practice includes a service that allows
you to accept credit cards and debit cards from
your clients. While your clients enjoy the
convenience, you benefit from quicker access to
funds because these electronic card payments
are processed quicker than paper checks. When
you are a Preferred Practice customer and make
a non-refundable $180 security deposit, the
cost of the terminal to swipe cards is waived.
Remote Deposit
Ocean Bank understands that it’s important
for your staff to be in the office. That’s why
Preferred Practice customers get access to a
service that allows deposits to be made into
your Ocean Bank checking account without
making a trip to the bank. The service uses
a scanner connected to your computer to
electronically transmit checks into your account.
As a Preferred Practice customer, you’ll receive
a low-volume transaction scanning device for
free, perfect for businesses that process just
a few checks a day. High-volume scanners
are available.
Lockbox Services
Let Ocean Bank process your payment receipts.
When the payments are mailed to Ocean
Bank’s payment post office box, your business
eliminates a lot of manual work. Deposits to
your account are immediate, making cash
available quickly and efficiently. Our Lockbox
Services are not just for companies with high
remittance volume. Companies that collect
just a few checks a month can benefit too.
When you are a Preferred Practice customer,
the $65 set up fee is waived.
Payroll Service
Ocean Bank’s payroll processing for up to
25 employees is free and part of Preferred
Practice. This service replaces check writing
and manual payroll preparation with an
electronic service that deposits pay directly
into your employees’ bank accounts, regardless
of where they bank. Payroll processing saves
time, improves payroll accuracy and gives
employees quicker access to pay than issuing
a paper check.
Safe Deposit Box
As a Preferred Practice customer, you can
receive a free safe deposit box rental for
one year, subject to availability, as follows:
3"x5" safe deposit box with $2,500
opening deposit
3"x10" safe deposit box with $10,000
opening deposit
5"x10" safe deposit box with $50,000
opening deposit
Equal Housing Lender. Member F D I C. Privacy Statement | Disclosures | Credit Card Agreements  © 2018 Ocean Bank. Equal Opportunity Affirmative Action Employer.