Ocean Personal Savings for Young Savers

$0 a year on $10,000. No monthly fee. No minimum to open.

Checked Nov 1, 2026Updated Oct 22, 2026

A year on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Features

Interest bearing
Minor accounts

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

Fees

Monthly fee: Noneoceanbank.com, checked Nov 1, 2026
Minimum to open: Noneoceanbank.com, checked Nov 1, 2026
Overdraft fee: $35oceanbank.com, checked Nov 1, 2026
Returned item (NSF) fee: $35oceanbank.com, checked Nov 1, 2026
Withdrawals a month: 6oceanbank.com, checked Nov 1, 2026
Fee for each withdrawal over the limit: $5oceanbank.com, checked Nov 1, 2026
ATM network: Allpoint U.S. ATMs; Publix PRESTO! ATMsoceanbank.com, checked Nov 1, 2026
Out-of-network ATM fee: $2oceanbank.com, checked Nov 1, 2026
Incoming domestic wire: $15oceanbank.com, checked Nov 1, 2026
Paper statements: $5 a monthoceanbank.com, checked Nov 1, 2026
Inactivity fee: $20oceanbank.com, checked Nov 1, 2026
Cashier’s check: $10oceanbank.com, checked Nov 1, 2026
Stop payment: $32oceanbank.com, checked Nov 1, 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. Not all of this account’s figures are on record yet (rate missing). Report a mistake · How we make money

See it on oceanbank.com

We don’t earn anything from this link.