In observance of Martin Luther King Jr. Day, we will be closed Monday, January 16th. We will resume regular business hours on Tuesday, January 17th.

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Ocean Bank

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Ocean Bank | Security

Security 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. 

  • Regulary monitor your account activity online or carefuly review your paper statement
  • Avoid mail fraud by signing up to receive eStatements
  1. Sign in to Online Banking
  2. Select Accounts
  3. Select eStatements
  • Be aware of email and text fraud. Ocean will never send you an email or text message requesting your account number, Social Security number or other personal information.
  • Instead of mailing paper checks, send money electronically – for free. Options include Zelle® for personal accounts1 and online transfers in Online and Mobile Banking.
  • Sign up to receive eBills, and for personal accounts, enroll in Bill Discovery to automatically add bill payee information, saving time and reducing errors
     

If you suspect you have experienced email or text fraud related to your account, contact Customer Service at customerservice@oceanbank.com, 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648)

 


Use Online and Mobile Banking to protect your accounts

  • Create a unique password and avoid using your name, birthdate or other personal information
  • Change your password frequently, as often as every three months 
  • Keep your Online and Mobile Banking User ID and password private
  • Set up alerts and receive email or text messages about your account. You decide what alerts you want to receive, such as when your account balance falls below a preset amount or when there is a transaction above a certain amount.
  1. Sign in to Online Banking
  2. Select Accounts
  3. Select Additional Services
  4. Select Alerts 
  • Use biometric (face ID) and fingerprint authentication to sign in to Mobile Banking

 

If you suspect fraudulent activity in your account, contact Customer Service at customerservice@oceanbank.com, 305-569-5000 or 1-844-OCEAN4U (1-844-623-2648)

 


Security for your debit and credit cards

  • Avoid carrying cards by uploading them to your Digital Wallet. Find out how >
  • Let us know when you plan to travel, and we’ll monitor your Debit Mastercard® for unusual activity:
  1. Sign in to Online Banking
  2. Select Accounts
  3. Select Request Forms
  • Avoid keeping your debit card PIN near your card – and never write the PIN number on your card
  • Report a lost or stolen debit or credit card immediately
    • Your loss could be limited to $50 if someone uses your Debit Mastercard® without your permission if you report it right away by calling Ocean at 305-529-5118 or 1-866-719-1286
    • If your Ocean credit card is lost or stolen, with Zero Liability Protection from Mastercard® you won’t be liable for any unauthorized purchases. You’ll pay only for the purchases you authorize that are made in the store, over the telephone, online or via a mobile device and ATM transactions. Call 1-866-839-3485 to report a lost or stolen credit card or unauthorized use of the card. Representatives are available 24/7 to assist you, including sending you a replacement card and an emergency cash advance if you need it.
  • If you have an Ocean credit card and your identity or personal information is compromised, Mastercard® ID Theft ProtectionTM services provide expert help from certified identity theft resolution specialists


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

 

 


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

 

Resolving unauthorized account transactions

  • 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.