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Ocean Bank

Receivables

Cash Flow Management

Receive payments faster and optimize cash flow

Start your digital banking experience with an Ocean Bank business account

Find your account

Automate, track and monitor

receivables online

Automated Clearing House (ACH)

Good choice if you want payers to transmit funds directly into your account

The Ocean ACH Service is a safe way to receive funds electronically. The digital process avoids mail delays so you receive funds faster – as fast as the same day the payment is sent.

Enroll to view transactions in real-time:

Online Banking

Benefits:

Electronic processing deposits funds into your account more quickly

Receive one-time or regular payments from customers, tenants, vendors and others

Download details to your accounting software and eliminate data entry errors

Provide your payer with the
Ocean Bank ABA Routing Number: 066011392

Lockbox Services

Good choice if you want to avoid trips to the bank to deposit checks

Lockbox Services eliminates the manual process of checks received by mail and trips to the bank to make deposits. Customer payments are directed to a designated post office box where they are collected, processed and deposited to your business deposit account. To use Lockbox Services you must be enrolled in Online Banking.

View Lockbox Services PDF

Benefits:

Same-day processing to support cash flow

Monitor real-time activity online and download reports for accurate accounting

Review digital check images to confirm payers have made payment

Excellent solution for homeowners and condo associations and others that collect a few or a high volume of regular payments

Merchant Services

Good choice if you want to give customers more convenient options to pay for purchases

Merchant Services makes it convenient for customers to pay for products and services with a credit card, debit card, gift card or digital wallet. Expanded capabilities include a billing solution that emails invoices to customers for payment by credit card.

View Merchant Services PDF

Benefits:

Access funds in your account within 24 hours of processing

EMV chip-enabled terminals process secure, contactless payments

VirtualMerchant and VirtualMerchant Mobile leverage existing computers, smartphones and tablets to accept payments in person, online or by phone

MerchantConnect provides free,  real-time online account monitoring and flexible reporting solutions

Online Payments and Invoicing

Good choice if you want to send invoices and accept payments electronically

Online Payments and Invoicing is a paperless tool that allows your business to receive payments and send invoices and reminders to your customers in a secure online environment. It’s easy for your customers to set up one-time and recurring payments by credit card, debit card or eCheck, enhancing your cash flow.

View Online Payments & Invoicing PDF

Benefits:

Save the time and expense associated with manual invoicing

Send automated reminders to help your payers pay on time

Receive electronic payments faster to support cash flow

Real Time Payments (RTP®)

Good choice if you want to receive payments up to $100,000 in an instant

The RTP® network processes real-time payments between account holders at participating banks. Receive instant electronic payments into your business checking or savings account.

Get started:

 

Simply provide the payer:

  • Ocean Bank ABA Routing number: 066011392
  • Your account number Find now
Talk with an expert

Benefits:

An RTP typically initiates, clears and settles in seconds

Save the processing time associated with other types of electronic payments that can take up to three business days to clear

Receive up to $100,000 at no cost to you or your payer

Remote Deposit Capture

Good choice if you want to deposit checks without visiting the bank to save administrative time

Remote Deposit Capture enables your business to make deposits using a desktop scanning device that electronically transmits check images to Ocean for processing. Eliminating the manual process reduces errors and improves efficiency. To use Remote Deposit Capture, you must be enrolled in Online Banking.

View Remote Deposit Capture PDF

Benefits:

Receive same day credit for deposits submitted before 5 pm ET on business days

Online monitoring and reporting optimizes cash flow

Scan checks individually or in batches

Equip multiple locations with a scanner including main office, satellite offices and home offices

Wire Transfer

Good choice if you want to receive large payments from U.S. and international payers

Offer your customers a secure way to send payments for goods and services

Enroll to view transactions in real-time:

Online Banking

Benefits:

Quickly receive funds into your account, often within minutes

If you are receiving a wire from a bank that is located in the U.S., provide your payer with the
Ocean Bank ABA Routing Number:
066011392

If you are receiving a wire from a bank that is located outside the U.S., provide your payer with the Ocean Bank Swift Code:
OCBKUS3M

Manage receivables and

elevate your operation

Optimize Cash Flow

Accept electronic payments directly into your account

Operate Efficiently

Save administrative time and focus on your business

Bank Confidently

Secure online portals move money into your accounts

Do More, Anywhere

Access accounts from your mobile device or computer

Business Rewards Credit Cards from Mastercard®

More effeciency - and more rewards

Subject to credit approval.

Find your card

Get Rewarded

Issue cards to employees to pay for authorized expenses and earn rewards faster

Automatically Pay Bills

Set up business bills to be charged to the card and save the time and expense of issuing paper checks

Control Expenses

Set and change spending limits to cover employee travel, entertainment and other reimbursable expenses

Monitor Activity

View charges online and download activity to accounting software to track spending and prepare taxes

More ways to efficiently maximize 

incoming cash flow

SBA Loans

Financing to start or grow your business

Ocean Bank expedites applications, processing and approval so you benefit from lower down payments and more flexible requirements than traditional loans

Explore options
Business Line of Credit

Meet short-term working capital needs

Manage your business with working capital you can draw on as needed for day-to-day operations and to take advantage of growth opportunities

Talk with an expert
Ocean Factoring™

Finance receivables and cover expenses

Ocean Bank purchases your accounts receivable and pays you a lump sum without having to carry debt on your balance sheet

See what you can do

Ready to talk about financing solutions?

Set up a time to meet with an expert

Schedule now

Looking for ways to manage your cash flow?

Talk with an expert

Schedule a meeting

Merchant Services provided by Elavon.

Online Payments and Invoicing services provided by RevoPay.

Loans are subject to credit approval.