Important Information: Our team is working hard to improve your online and mobile experience. Our online and mobile banking will be down for system maintenance from Sunday at 10PM PST to Monday at 4AM PST. Thank you for your patience and understanding. IMPORTANT FRAUD ALERT: We have been notified by our members that fraudsters are attempting to gain account and personal information by posing as an OceanAir associate. Please remember that if you do not intend to contact OceanAir, DO NOT provide any personal information, passwords, account numbers, card numbers, etc. If you suspect you are being targeted, please contact OceanAir immediately at 805.988.2151. OceanAir team members will assist in securing your account.

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 $7 fee will be assessed

** Paper statements are available for $3.00 a month. Note: Paper statements are complimentary with the purchase of 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.

Helpful Links

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