Important Information: We recognize that the ongoing government shutdown may bring financial uncertainty, and we're committed to supporting you. To learn more about our Shutdown Relief Program for eligible members, click here. As part of our online and mobile banking upgrades, online credit card payments will be temporarily unavailable until Saturday, October 11. During this time, some credit card features will also be temporarily unavailable. If you have questions or need assistance, please call us at 805.988.2151 or visit our FAQ page for more information. We appreciate your patience and understanding. Click here to read FAQS

OceanAir Basic Checking

At OceanAir, we are re-thinking what a checking account can be. Whether you're looking for an account with tons of added benefits or you are looking for a simple checking, we have the right option for you.

Our Basic Checking* account is checking simplified and has all the staples of a great checking account.

Benefits that come with your OceanAir Basic Checking* Account include:

  • Visa® Debit Card with VISA’s Zero Liability Fraud Protection
  • Access to Online Banking and Bill Pay
  • Free eStatements**
  • Access to 30,000 CO-OP Network ATMs nationwide
  • Direct Deposit
  • Manage your debit card anywhere at anytime with OceanAir Card Controls
Open an Account Online


* OceanAir Basic Checking has a minimum average monthly balance of $100. If the average monthly balance drops below $100, a $10 fee will be assessed

** Paper statements are available for $3.00 a month. Note: Paper statements are complimentary with an Epic or Epic Premium Checking Account.

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Activate Your Card

You can activate your own card anytime and anywhere with the ACTIVATION Number! It’s Simple:

  1. Call 1(888) 691‐8661
  2. Answer the ID validation questions
  3. And follow the prompts to activate your card

Manage Your Card

You can manage your debit or credit card using OceanAir Card Controls. It’s easy to get started:

  1. Download the OceanAir mobile banking app in the Google Play Store or Apple App Store
  2. Select the menu button in the top left
  3. Select the “Card Controls” option
  4. Follow the prompts

Reset Your PIN

You can choose your own PIN number anytime and anywhere with PIN Now! It’s simple:

  1. Call 1(888) 891-2435
  2. Answer the ID validation questions
  3. And follow the prompts to reset your PIN

Note: If you are not able to reset your PIN using PIN Now, please verify that your contact information is correct on your OceanAir account. If your information is not current, you may experience an error when attempting to reset your PIN.

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