Monthly fee
$15
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Ocean Bank · Checking account
Ocean Personal Checking
$0 a year for an everyday customer. $15 a month. $20 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · oceanbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer document · oceanbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#292of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Interest bearing
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $1,000oceanbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $15 a monthoceanbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- Enrollment in eStatements
- $1,000.00 Average Daily Balance
- Minimum to open
- $20oceanbank.com, checked Nov 8, 2026
- Overdraft fee
- $35oceanbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $35oceanbank.com, checked Nov 8, 2026
- ATM network
- Allpoint U.S. ATMs; Publix PRESTO! ATMsoceanbank.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2oceanbank.com, checked Nov 8, 2026
- Incoming domestic wire
- $15oceanbank.com, checked Nov 8, 2026
- Paper statements
- $5 a monthoceanbank.com, checked Nov 8, 2026
- Inactivity fee
- $20oceanbank.com, checked Nov 8, 2026
- Cashier’s check
- $10oceanbank.com, checked Nov 8, 2026
- Stop payment
- $32oceanbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees