Frequently Asked Questions

To register for online banking:

1. Visit our website and click "Login"
2. Select "Register for Online Banking"
3. Enter your account number and other required information
4. Create a username and password
5. Set up security questions
6. Verify your identity through our secure verification process

Once registered, you can access your accounts 24/7 from any device with internet access.

Our mobile banking app is available for both iOS and Android devices:

• iOS Users: Download from the App Store by searching "Ocean Capital Bank"
• Android Users: Download from Google Play Store by searching "Ocean Capital Bank"

After downloading, use your online banking credentials to log in and access all your accounts on the go.

Mobile Deposit allows you to deposit checks using your smartphone camera:

1. Open the Ocean Capital Bank mobile app
2. Select "Mobile Deposit" from the menu
3. Choose the account where you want to deposit the check
4. Take a photo of the front and back of the check
5. Enter the check amount and submit

Funds are typically available within 1-2 business days, depending on the check amount and your account history.

Yes, Ocean Capital Bank uses industry-leading security measures to protect your information:

• Encryption: All data is encrypted using 256-bit SSL technology
• Multi-Factor Authentication: Additional verification steps for sensitive transactions
• Fraud Monitoring: 24/7 monitoring for suspicious activity
• Secure Login: Password-protected access with automatic lockout after failed attempts
• FDIC Insurance: Your deposits are insured up to $250,000

We also recommend using strong passwords and never sharing your login credentials with anyone.

Through online banking, you can access all your Ocean Capital Bank accounts:

• Checking accounts
• Savings accounts
• Money market accounts
• Certificate of Deposit (CD) accounts
• Loan accounts
• Credit card accounts

You can view balances, transfer funds, pay bills, and download statements for all these accounts.

To set up wire transfers:

1. Log in to your online banking account
2. Navigate to "Transfers" and select "Wire Transfer"
3. Add the recipient's bank information (routing number, account number, name)
4. Verify the recipient information
5. Enter the transfer amount and any special instructions
6. Review and confirm the transfer

Note: Wire transfers may incur fees and typically process within 1-2 business days for domestic transfers.

If you lose your card, take these steps immediately:

1. Report it immediately: Call our 24/7 customer service line or log in to online banking to report the card lost/stolen
2. Monitor your accounts: Check your account activity regularly for any unauthorized transactions
3. File a police report: If you suspect fraud, file a report with your local police department
4. Request a replacement: We'll issue a new card and send it to your address on file

You can also temporarily freeze your card through online banking or the mobile app if you think you might find it.

You can find current rates in several ways:

• Website: Visit our rates page for current deposit and loan rates
• Online Banking: Log in to view rates on your specific accounts
• Mobile App: Check rates through the mobile banking app
• Customer Service: Call our customer service team for current rates
• Branch Visit: Visit any branch for rate information

Rates are updated regularly and may vary based on account type, balance, and market conditions.

We offer multiple ways to reach our customer service team:

• Phone: Call our 24/7 customer service line
• Email: Send us an email through our contact form
• Live Chat: Use the chat feature on our website
• Branch Visit: Visit any of our branch locations
• Social Media: Connect with us on social media platforms

Our customer service representatives are available to help with any questions about your accounts or banking services.