Notice: Temporary Phone Service Disruption. Our Customer Service Center is currently unable to receive phone calls; however you will be able to retrieve your account balance and transactions thru the automated service by pressing 1. We apologize for the inconvenience and appreciate your understanding as we work to resolve the issue. For assistance, please reach out to us by email to: customerservice@oceanbank.com.

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In observance of Veterans Day, we will be closed on Tuesday, November 11th. We will resume regular business hours on Wednesday, November 12th.

Ocean Bank® - Financial Results as of September 30, 2025. Continued Financial Strength Learn more

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FDIC Coverage

 

 

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:

Single Account

$250,000 per owner

An account owned by one person

 

 

Joint Account

$250,000 per co-owner

For example, a husband and wife
$250,000 per co-owner

 

IRA Account

$250,000 per owner

Individual Retirement Account