5 banks and credit unions have branches in Ocean. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Jersey
Ocean counts institutions with a branch here, wherever headquartered. New Jersey counts institutions headquartered in the state.
Ocean
5 institutions with a branch here
$30
New Jersey
84 institutions headquartered in New Jersey
$26.25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Ocean median sits furthest from New Jersey's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ocean with New Jersey and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $35.
Median published overdraft fee
Ocean
5 institutions with a branch here
$30
New Jersey
51 institutions headquartered in New Jersey
$30
U.S.
2,605 institutions in the index
$30
Ocean covers every institution with a branch here, wherever it is headquartered. New Jersey covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
5 institutions, 5 with a published overdraft fee.
Bank · based in Manasquan, NJ · 1 branch here
Account not yet known
“Overdraft/Insufficient Funds (Item Paid) | $30”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Insufficient Funds Fee – Item Paid | $15”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“$35 fee per overdraft”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Largest banks by local bank deposits
Share of the $972 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Monmouth County
Deposits and branches cover the City of Ocean. Population and income cover Monmouth County, the county with most of Ocean's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Monmouth County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions