6 banks and credit unions have branches in Ocean City. 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 City counts institutions with a branch here, wherever headquartered. New Jersey counts institutions headquartered in the state.
Ocean City
5 institutions with a branch here
$33
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 City median sits furthest from New Jersey's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ocean City 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 $30 to $36.
Median published overdraft fee
Ocean City
5 institutions with a branch here
$35
New Jersey
51 institutions headquartered in New Jersey
$30
U.S.
2,605 institutions in the index
$30
Ocean City 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.
6 institutions, 5 with a published overdraft fee.
Bank · based in Stone Harbor, NJ · 2 branches here
Account not yet known
“Uncollected Funds Paid Item Fee* | $35”
Bank · based in Toms River, NJ · 1 branch here
Account not yet known
“• Customers are charged a fee of $30 each time an overdraft transaction is paid.”
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 Souderton, PA · 1 branch here
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Largest banks by local bank deposits
Share of the $805 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Cape May County
Deposits and branches cover the City of Ocean City. Population and income cover Cape May County, the county with most of Ocean City'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 Cape May County.
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