Ocean Bank

Ocean Bank

Phone Number & Contact Info
Region / Service Phone Number Notes
Customer Service (Main) 1-305-569-5000 (24/7 support)
Toll-Free (U.S. only) 1-844-319-3130 Regional support line
Online Banking Support 1-305-569-5000 Regional support line
Lost or Stolen Debit Card 1-800-472-3272 Regional support line
Lost or Stolen Credit Card 1-800-325-3678 Automated system, available day & night
Commercial Banking Department 1-305-569-5000 Regional support line
Loan Services 1-305-569-5000 (Loan Department) Regional support line
About & Ocean Bank

Ocean Bank is the largest independent, state-chartered commercial bank headquartered in Florida, United States. Established in 1982 in Miami, Ocean Bank has grown steadily into a significant player in Florida’s financial landscape, with over $5 billion in assets and a branch network spanning Miami-Dade and Broward counties.

Ocean Bank focuses on serving businesses, professionals, and individuals in South Florida, providing a full suite of financial services including commercial lending, international banking, personal banking, and wealth management. It has developed a reputation as a business-friendly, community-focused bank, positioning itself as an alternative to large national institutions.

The bank was founded with a vision to support local businesses and communities, particularly in the diverse and dynamic South Florida economy, which thrives on real estate, international trade, tourism, and small-to-mid-sized enterprises. Over the years, Ocean Bank has built strong ties with the Hispanic and multicultural communities in Miami, making it one of the most recognizable banking names in the region.


Core Business Segments of Ocean Bank

  1. Commercial Banking – Specialized in commercial real estate lending, construction loans, and business lines of credit.

  2. Personal Banking – Checking, savings, mortgages, credit cards, and personal loans.

  3. International Banking – Trade finance, foreign exchange, and services for international clients doing business in South Florida.

  4. Treasury Management – Solutions for cash flow, liquidity, and payment management for businesses.

  5. Wealth & Investment Services – Financial advisory, retirement accounts, and portfolio management.


Unique Market Position

Unlike nationwide banks, Ocean Bank is regional and community-driven, focusing specifically on South Florida. Its unique advantages include:

  • Strong expertise in real estate lending, a major part of Florida’s economy.

  • Long-standing relationships with small and mid-sized businesses.

  • Deep integration with Hispanic and international communities in Miami.

  • Personalized, relationship-based service compared to big banks.

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