Fraud Prevention Center
Take an active role in protecting your accounts
Ocean Bank scans your accounts 24/7 using cybersecurity technology to identify potential fraud. There are actions you can take to safeguard your personal information, too.
Use Online and Mobile Banking to protect your accounts
Security for your debit and credit cards
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:
Additional security resources
- Shred or destroy all documents containing personal information that could be used to compromise your identity. Look for a local shred-a-thon in your neighborhood.
- Store important documents such as Social Security cards, birth certificates, passports, real estate deeds and legal documents in a safe deposit box. Ocean offers a range of safe deposit box sizes available for rental at a branch near you. Find a branch
- Do not give personal, bank or credit card information to someone you do not know who contacts you by phone or email
- Avoid storing your car registration and automotive insurance card in your vehicle
- If you plan to be out of town for an extended period of time, take advantage of the U.S. Postal Service free hold mail service
- Avoid mailing correspondence using a curbside public or unlocked mailbox when it includes personal information
- Change your passwords frequently not only for access to your bank accounts, but also with online merchants where you shop regularly
- Keep a list of the online merchants where you have an account and if you no longer use that merchant, close the account
- Slim down your wallet and carry only the cards and documents you really need. Take photos instead of carrying paper or plastic.
- How to protect against Cyber Attacks:
Get more information on identity theft protection, as well as details on how to report suspected identity theft from federal agencies and educational organizations
Federal Trade Commission
Report fraud and identity theft
What to do if your personal information is stolen in a data breach
Consumer Financial Protection Bureau
- Buy from online stores and sites you know and trust and make sure you log out when you have completed your transaction
- Load your Ocean credit and debit cards to your Digital Wallet for a secure, contactless way to pay See what you can do
- Avoid using public computers to make online purchases
- Look for secure website URLs starting with “https” in the left of the browser bar at the top of the screen
- Consider getting a credit card with a low limit to use just for online purchases to minimize your potential exposure
Get a head start on protecting your bank accounts and identity by understanding cybersecurity terms and what they mean
- Encryption - Encoding of information that makes it unreadable
- Firewall – Virtual barrier on your computer that prevents the transmission of certain types of information
- Identity Theft - Someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for financial gain
- Malware - Software with the potential to harm programs installed on your computer and prevent them from operating as intended
- Phishing - Email messages intended to solicit personal information for wrongful purposes
- Smishing (SMS text phishing) - Text messages from fraudsters who want personal information for wrongful purposes
- Spam - Email from unsolicited sources, primarily marketers
- Virus – Code that prevents computer programs from operating as intended
- Vishing – Scams perpetuated using phone calls and voicemail messages
- Whaling - Spam that specifically targets corporate executives (big fish)
Mastercard® benefits may change at any time and without notice. Some benefits have limitations, exclusions, require enrollment and are subject to additional requirements for coverage. For more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard (1-800-627-8372).
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.