Debit Card FAQ
Traveling with your Ocean City Home Bank Visa® Debit Card

At Ocean City Home Bank we are serious about keeping you safe from debit card fraud.  As a part of this effort, we have software in place that will block all international transactions.  International debit card fraud is one of the fastest growing fraud trends in the country.  By blocking these transactions we can stop international debit card fraud before you become a victim.

Q: How can I use my Visa® Debit Card if I am traveling outside of the US?
A: To prevent any interruption in your ATM or debit card service:

• Notify Ocean City Home Bank of the countries that you will be traveling to and the dates you’ll be traveling on before you leave so that we can do the necessary maintenance to ensure that you will be able to continue using your card without any problems.
• Verify that Ocean City Home Bank has the best phone number at which to reach you in the event that there is any suspicious activity on your card.
• Be sure you know your PIN for your debit card so you will be able to do cash withdrawals.
• Record your debit card number and telephone number for reporting lost or stolen cards and keep it in a safe place away from your wallet or handbag.

Q:Will my Visa® Debit Card work outside of the US?
A:As long as you let us know prior to your trip, the Visa® logo on your Visa® Debit card will allow your card to be accepted at millions of locations around the world.

Q:Can I withdraw cash outside of the US?
A:With your Visa® Debit card you can withdraw cash in the local currency at over 1 million Visa ATMs.

Cash in foreign countries is dispensed in the local currency at the current exchange rate and debited from your account in dollars. Ocean City Home Bank will not be able to verify or track the exchange rate.

Contact Ocean City Home Bank's customer service or visit a branch location for your daily cash withdrawal limits.

Important facts to remember when using foreign ATMs:

• Some foreign ATMs are only available during normal business hours
• Many foreign ATMs offer instructions in English, but not all of them

Q:What if my card is lost or stolen?
A:Notify Ocean City Home Bank immediately by calling 800-771-7990; if it is outside our normal hours of operation contact Visa® at 800-472-3272.  If calling from outside the United States, dial 1-973-682-2652.

Q:Are there fees associated with using my Visa® Debit card outside of the US?
A:Ocean City Home Bank does not charge any additional fees for using your Visa® Debit Card outside of the US. Standard debit card fees apply as outlined in our Account Disclosure.

Q:What do I do if I am having trouble with my card?
A:Ocean City Home Bank customer service can be reached at 800-771-7990 during operating hours Sunday through Saturday, excluding Federal Holidays.  If it is outside our operating hours you can email service@ochome.com and a representative will contact you the next business day.