Personal Banking

Deposit Accounts

Personal Checking/ BOC Advantage- This non interest bearing checking account is best suited for customers who are looking for an account with unlimited check writing and a low monthly balance requirement.

  • $5.00 monthly fee if average monthly balance falls below $100
  • Monthly fee waived with Direct Deposit or if enrolled in e-Statements
  • Internet Banking and Bill Pay
  • Visa® Debit Card
  • Unlimited check writing
  • Imaged Statements

NOW Checking- This checking account is available to customers who maintain a balance in excess of $1000 and would like to earn interest on those funds.

  • Minimum Balance of $1,000
  • $5.00 monthly fee if average balance falls below $1,000
  • Monthly interest
  • Unlimited check writing
  • Imaged Statements

Seasonal Checking- This account is designed for customers who are visiting our community and wish to maintain a local checking account for 6 months or less.

  • Minimum opening deposit of $50.00
  • Opening fee of $30.00
  • Required check order fee of $12.00
  • $5.00 monthly fee if average balance falls below $100
  • Unlimited check writing
  • Imaged Statements
  • NO Visa® Debit Card on this account

Wave Advantage- For a $5.00 monthly fee, this service can be added to the BOC Advantage or 50 Advantage accounts providing the following upgrades.

  • No minimum balance required
  • Complimentary personal style checks (limited selection) with discounts on other products
  • No fee on purchase of Cashier’s Checks and Travelers Checks
  • No fee on Stop Payment orders
  • Complimentary Notary Service available
  • Discount on Safe Deposit Box Rental
  • Unlimited check writing

50 Advantage- Designed for our 50 and over customers. Receive the benefits of the basic BOC Advantage Checking with the following money savings features.

  • Complimentary first order of personal style checks (limited selection)
  • No fee on established overdraft protection from another Bank of Ocean City account
  • 25% off all additional check orders
  • $10.00 discount on 1st years Safe Deposit Box rental
  • Periodic Bonus rates on Certificates of Deposit
  • ONE No Penalty Early CD Withdrawal for medical emergency

Visa® Debit Card- Bank of Ocean City Visa® Debit Cards are a fast, convenient and easy way to pay for purchases.

  • Accepted anywhere Visa® is accepted
  • Purchases are automatically deducted from your checking account
  • Safer than carrying cash
  • Consumer and Business products available

Learn more about Visa® Debit Cards and verified by Visa by clicking HERE.

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