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Ocean Bank

Savings

Personal Savings

Savings with a

single focus. You.

Get started with Ocean Personal Savings and just $250

 

Open now

Saving accounts with features

to make your money grow

Save Automatically

Schedule money to automatically move from your checking to your savings

Set Saving Goals

Set spending limits and track your progress with our online money management tool

Stay in the Know

Get alerts if your account balance falls below a preset amount so you can budget

Deposit in Seconds

Deposit checks using your phone or tablet with the Mobile Banking app

Select an account that earns

interest to reach your goals

For your today and your tomorrow, we have options

to help you get where you want to go

 

Personal Savings

Put your money to work and earn interest regardless of your balance

Open now More details View rates

Personal Savings for Young Savers

Teach children under 17 the power of saving early

Open now More details View rates

Traditional IRA

Save for your retirement with pre-tax contributions

Open at a branch near you

Roth IRA

A safe and secure way to build savings for retirement

Open at a branch near you

Coverdell Education Savings Account

Save for education expenses with a tax-advantaged account

Open at a branch near you

Certificate of Deposit (CD)

Lock in a rate for the term of your account and watch your money grow

Open 8-month CD now View rates Visit a branch for more options

Need help finding the right account?

Talk with an expert

What do you need to open your new account?

 
  • Social Security Number
  • Driver’s license or government-issued photo ID
  • Email address
  • Debit card, credit card, checking or savings account if you’re opening online
  • For account holders younger than age 17, the account must be opened with an adult co-owner
Talk with an expert
Common questions

about savings accounts

The interest you earn on personal savings accounts varies based on market conditions and the current rate will appear on your quarterly statement. The interest you earn on CDs, IRAs and Coverdell Education Savings accounts is a fixed rate established at the time the account is opened through maturity based on the term you select. 

We make it easy and convenient for you to get cash out of your personal savings account, so there are no limits on the number of withdrawals you can make. Of course, do not withdraw more money than you have in the account to avoid being charged a fee. Withdrawals from CDs, IRAs and Coverdell Education Savings accounts are subject to certain conditions and penalties for early or ineligible withdrawals may apply.

With personal savings accounts, your funds can be accessed at any time. Your account comes with a Debit Mastercard you can use online and in person to pay for purchases anywhere Mastercard is accepted and at Ocean and Publix Presto! ATMs. You can transfer money from your Ocean savings account to your Ocean checking account online or in the mobile app.

 

CDs, IRAs and Coverdell Education Savings accounts are designed to be
long-term investments, but your funds are available to you, should you need them. Early withdrawal penalties may apply. 

Ocean savings accounts are FDIC-insured up to the $250,000 maximum per depositor, per ownership category. 

 

For example, if you are the only account holder, your account is FDIC-insured up to $250,000. If you and another person are account holders on the same account, you each receive $250,000 in coverage for a total of $500,000 in coverage on the account. FDIC insurance protects your deposits in the event of a bank failure.

 

Learn more about FDIC insurance

 

We’re ready to help

With 22 convenient locations in South Florida, there’s always a neighborhood banking center nearby

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1Consult with your tax advisor. Restrictions may apply.