Schedule of Fees & Service Charges – August 2022 In Alphabetical Order

Account Reconcilement (Per Hour) ................................................................................................. $25.00 Money Order Charge (Each Time) ..................................................................................................... $5.00
Affidavit Letter (Each Letter) ............................................................................................................. $5.00 Night Depository:
ATM Fees - Non-Proprietary: Processing ........................................................................................................................ No Charge
ATM INQ Fee (ATM Inquiry Fee - Each Item) ............................................................................ $1.00 Key ......................................................................................................................................... $5.00
ATM W/D Fee (ATM Withdrawal Fee - Each Item) ................................................................... $1.00 NSF Funds:
ATM TRF Fee (ATM Transfer Fee - Each Item) .......................................................................... $1.00 Paid Item Fee2 (Each Paid Non-Sufficient Funds Item) ........................................................... $35.00
ATM POS Fee (Point of Sale - Each PIN Based Transaction)....................................................... $1.00 Returned Item Fee2 (Each Returned Non-Sufficient Funds Item) ............................................ $35.00
CIRRUS Network: ................................................................................................................................. Notary Services (Bank Customers Only) .................................................................................... No Charge
ATM W/D Fee: Overdraft Interest2 (Daily) ............................................................................................................. 17.65%
(Each Domestic ATM Withdrawal Transaction) ............................................................... $1.50 Redeposit Returned Item - Business (Each Item) .............................................................................. $5.00
(Each International ATM Withdrawal Transaction) ......................................................... $1.00 Repurchase Agreement (Per Month) ............................................................................................ $100.00
Publix PRESTO! ATMs ....................................................................................................... No Charge Research .................................................................................................................................. $25.00/hr
Debit Card International Transactions: Copies of Checks (Per Page) ............................................................................................. $3.00 each
C/C Fee (Currency Conversion Fee - Each Transaction) ................................................... 0.20% Safe Deposit Box:
C/B Fee (Crossborder Transaction Fee - Each Transaction) ............................................. 0.90% Drilling .................................................................................................................................. $200.00
Debit Card Express Delivery Fee ............................................................................................. $50.00 Lost Key .................................................................................................................................. $45.00
Automatic/Sweep Transfer ....................................................................................................... No Charge Safe Deposit Box Rental Fees (Annual Rental):
Balance Inquiry (Each Inquiry at Branch) .......................................................................................... $1.00 3” x 5” .................................................................................................................................... $25.00
Bill Payment Service (Each Item): 3” x 10” .................................................................................................................................. $55.00
Bill Payment Service (Manual) ................................................................................................ $10.00 5” x 5” .................................................................................................................................... $65.00
Bill Payment Online Expedite Fee1 ........................................................................................... $9.95 5” x 10” .................................................................................................................................. $85.00
Bond Collections ....................................................................................................................... No Charge 10” x 10” .............................................................................................................................. $175.00
Bulk Deposit Processing .................................................................................................................. $15.00 Statements:
Cashier’s Checks (Each Item): eStatements....................................................................................................................... No Charge
Customer ................................................................................................................................ $10.00 Statement – Paper (Each Statement Period) ............................................................................. $5.00
Non-Customer - Exchange ...................................................................................................... $25.00 Statement Copy ....................................................................................................................... $5.00
Chargeback (Each Deposited Item) ................................................................................................. $12.00 Statement Printout - At Branch (Each Time) ............................................................................ $6.00
Coin Rolls ......................................................................................................................................$.10 roll Stop Payment Fee - Effective for up to 6 months (Each Item) ........................................................ $32.00
Counter Documents ...................................................................................................... 1 Free, 5 for $2.50 Strapped Bills (Each Strap) .................................................................................................................. $.50
Coupon Collections ................................................................................................................... No Charge UNC Funds:
Courier Fees .............................................................................................................................. Rates Vary Paid Item Fee (Each Paid Uncollected Funds Item) ................................................................ $21.00
Cut off Statement (Each Statement) ................................................................................................. $5.00 Returned Item Fee2 (Each Returned Uncollected Funds Item)................................................ $35.00
Document Photocopy (Each Page) .................................................................................................... $2.00 Wire Transfer Fee (Each Item):
Dormant Account Fee (Accounts without activity for a period of 2 years) Incoming (Domestic and Foreign) .......................................................................................... $10.00
Per Month .............................................................................................................................. $20.00 Outgoing Domestic ................................................................................................................ $30.00
Draft in Foreign Currency ................................................................................................................ $15.00 Outgoing Foreign ................................................................................................................... $50.00
Foreign Currency Fees: Wire Transfer Fee (Each Item via Fax or Email):
Foreign Currency Exchange ($500.00 or less)............................................................................ $5.00 Outgoing Domestic ................................................................................................................ $50.00
Foreign Currency Exchange (Greater than $500.00) ............................................................... $10.00 Outgoing Foreign ................................................................................................................. $100.00
Garnishment on Account .............................................................................................................. $125.00 Wire Transfer Fee (Each Item via Online Banking and Mobile Banking):
IRA Closing or Transfer .................................................................................................................... $20.00 Outgoing Domestic ................................................................................................................ $25.00
IRS Levies ..................................................................................................................................... $100.00 Outgoing Foreign3 .................................................................................................................. $40.00
Mail: Wire Transfer Other Fee (Each Item going out of the United States in U.S. Currency)
Hold Mail Fee (Per Cycle) ....................................................................................................... $15.00 Outgoing Foreign Personal Wire for Third Party Intermediary Bank Fee ................................ $19.00
Returned Mail Fee (Per Month) ............................................................................................. $12.00 Wire Transfer Tracers (Each Item):
Merchant Card Services ............................................................................................................ Rates Vary (Plus any applicable fees from Corresponding Banks) ........................................................... $25.00

1 There is no cost for the Online Banking Bill Payment Service, only an expedite payment fee, if you choose to expedite your payment.
2 Fee is imposed for overdrafts created by check, in-person withdrawal, or other electronic means, as applicable.
3 Via Online Banking and Mobile Banking Outgoing Wire Transfers going out of the country can only be processed in U.S. currency.

©2022 Ocean Bank. Member FDIC. Schedule of Fees & Service Charges – August 2022 / Page 1 of 3
rev 6/15/22
 How to Avoid Monthly Minimum
Minimum Monthly
Maintenance Fee: Balance to Paper Statement
Accounts Deposit Maintenance Cost Per Item Special Requirements / Instructions
Minimum Balance and Earn APY4 and Fee
to Open Fee
Other Ways Collect Interest

To avoid the imposition of the monthly maintenance fee you must be

enrolled to receive electronic eStatements or maintain a $1,000 average
daily balance. The average daily balance is calculated by adding the
principal in the account for each day of the period and dividing that
figure by the number of days in the period.
The base account is considered a lifecycle account with advantages for
minors, students and seniors based on the primary account holder’s
birthdate.
Enroll to receive
Minors - Account holders ages 13-17: Adult co-owner required,
Ocean Personal eStatements or
$20.00 $15.00 N/A N/A No Charge eStatements only - account is automatically enrolled in eStatements, no
Checking $1,000.00 Average Daily
monthly maintenance fee and no Ocean Bank transaction fees at
Balance
non-proprietary ATMs.
Students - Account holders ages 18-24: Adult co-owner is not required,
eStatements only - account is automatically enrolled in eStatements, no
monthly maintenance fee and no Ocean Bank transaction fees at
non-proprietary ATMs.
Seniors - Account holders age-55 and above: No monthly maintenance
fee and free check orders when placing the order with your account
officer.

To avoid the imposition of the monthly maintenance fee you must

maintain a $5,000 average daily balance or a $10,000 combined average
$5,000.00 daily balance or more in other transaction accounts. The average daily
Average Daily Balance balance is calculated by adding the principal in the account for each day
or a Combined Average of the period and dividing that figure by the number of days in the
Ocean Personal
$1,000.00 $15.00 Daily Balance of No Minimum $5.00 No Charge period. Checking accounts, money market accounts and savings
Relationship Checking
$10,000.00 or more in accounts will be the only accounts that will be aggregated. (Certificates
other transaction of Deposit, IRAs and loan balances will not be included.) Tax ID numbers
accounts will be the determining factor for the aggregation of the combined
balances. To avoid the paper statement fee, you must enroll to receive
eStatements.

To avoid the imposition of the monthly maintenance fee you must

maintain a $2,500 average daily balance. The average daily balance is
Ocean Personal $2,500.00
$2,500.00 $20.00 $2,500.00 $5.00 No Charge calculated by adding the principal in the account for each day of the
Money Market Average Daily Balance
period and dividing that figure by the number of days in the period. To
avoid the paper statement fee, you must enroll to receive eStatements.

To avoid the imposition of the monthly maintenance fee you must

maintain a $250 average daily balance. The average daily balance is
calculated by adding the principal in the account for each day of the
period and dividing that figure by the number of days in the period.
Ocean Personal $250.00 Average To avoid the paper statement fee, you must enroll to receive
$250.00 $5.00 No Minimum $5.00 No Charge eStatements.
Savings Daily Balance
The base account is considered a lifecycle account with advantages for
minors based on the primary account holder’s birthdate.
Minors: Account holders ages 17 and younger: Adult co-owner required,
no minimum deposit to open and no monthly maintenance fee.

4 (APY) Annual Percentage Yield

©2022 Ocean Bank. Member FDIC. Schedule of Fees & Service Charges – August 2022 / Page 2 of 3
rev 6/15/22
 How to Avoid Monthly Minimum
Minimum Monthly
Maintenance Fee: Balance to Paper Statement
Deposit Maintenance Cost Per Item Special Requirements / Instructions
Accounts Minimum Balance and Earn APY4 and Fee
to Open Fee
Other Ways Collect Interest

To avoid the imposition of the monthly maintenance fee you must

Enroll to receive
maintain a $2,500 average daily balance and you must be enrolled to
Ocean Business eStatements and
$100.00 $15.00 N/A N/A No Charge receive eStatements. The average daily balance is calculated by adding
Checking $2,500.00 Average Daily
the principal in the account for each day of the period and dividing that
Balance
figure by the number of days in the period.

To avoid the imposition of the monthly maintenance fee you must

maintain a $1,000 average daily balance. The average daily balance is
Ocean Community $1,000.00
$100.00 $15.00 N/A N/A No Charge calculated by adding the principal balance in the account for each day of
Checking Average Daily Balance
the period and dividing that figure by the number of days in the period.
Available to sole proprietors and non-profits.

To avoid the imposition of the monthly maintenance fee you must

maintain a $5,000 average daily balance or a combined average daily
balance of $10,000 or more in other transaction accounts. The average
daily balance is calculated by adding the principal in the account for
each day of the period and dividing that figure by the number of days in
the period. Checking accounts, money market accounts and savings
accounts will be the only accounts that will be aggregated. (Certificates
of Deposit, IRAs and loan balances will not be included.) Tax ID numbers
will be the determining factor for the aggregation of the combined
balances. To avoid the paper statement fee, you must enroll to receive
$5,000.00 Average $0.30 eStatements.
Ocean Business Daily Balance or a Deposit Slip Earnings Credit: This account features an earnings credit which is
Relationship Checking Combined Average Daily $0.15 applied to reduce or eliminate fees on the account. If the earnings credit
$1,000.00 $20.00 No Minimum $5.00
(with Account Balance of $10,000.00 or Checks Paid exceeds the fees for any period, then you will be assessed no fee, but
Analysis) more in other $0.11 you will not be paid, carry forward or otherwise receive credit for any
transaction accounts Deposited Item excess earnings credit. The earnings credit is calculated by applying the
periodic earnings credit rate to the average daily investable balance in
the account for the period.
The periodic earnings credit rate may change at any time. The average
daily investable balance is calculated by adding the principal in the
account for each day of the period and dividing by the number of days
in the period. The period we use is the monthly statement cycle. The
investable balance is the average daily balance less the current reserve
requirement of 10 percent. Please call our Customer Service Center at
(305) 569-5000 or 844-OCEAN4U (844-623-2648) for the current
earnings credit rate.

To avoid the imposition of the monthly maintenance fee you must

maintain a $5,000 average daily balance. The average daily balance is
Ocean Business $5,000.00
$2,500.00 $20.00 $2,500.00 $5.00 No Charge calculated by adding the principal in the account for each day of the
Money Market Average Daily Balance
period and dividing that figure by the number of days in the period. To
avoid the paper statement fee, you must enroll to receive eStatements.

To avoid the imposition of the monthly maintenance fee you must

maintain a $250 average daily balance. The average daily balance is
Ocean Business $250.00 Average calculated by adding the principal in the account for each day of the
$250.00 $5.00 No Minimum $5.00 No Charge period and dividing that figure by the number of days in the period.
Savings Daily Balance
To avoid the paper statement fee, you must enroll to receive
eStatements.

4 (APY) Annual Percentage Yield

©2022 Ocean Bank. Member FDIC. Schedule of Fees & Service Charges – August 2022 / Page 3 of 3
rev 6/15/22