Ocean Bank

Ocean Plus Smart Checking

Ocean Bank is the largest independent state chartered commercial bank headquartered in Florida. It serves Broward County, FL, Miami-Dade, FL and Palm Beach County, FL. It was founded in 1982 and has 21 branches. Ocean Bank has $3.6 billion in total assets.

Ocean Bank has a free checking account called Ocean Plus Smart Checking.


Ocean Plus Smart Checking Features:

  • $20 Minimum Opening Balance
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirement to Avoid Monthly Maintenance Fee
  • Unlimited Check Writing
  • Free First Order of Checks
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free eStatements
  • Free Mastercard Debit Card
  • 24-Hour Telephone Banking


Note: Ocean Bank doesn’t charge a fee for Mobile or Text Banking, but your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for messaging and data rate charges. You must be enrolled in Consumer Online Bill Pay Service to pay bills and you must be enrolled in Online Banking to register for Text Banking. Text Banking is available only on U.S. mobile phone numbers.

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