Online Banking FAQ

Q: How do I access Online Banking?
A: After your Ocean City Home Bank application has been approved, sign into our homepage at www.ochome.com and enter your user name and password as instructed from the email sent by Ocean City Home Bank and click login.  During the initial login, you will be instructed to change your password, answer three security questions, and enroll your PC in enhanced login security.

Q: How frequently is my Ocean City Home Bank information updated?
A: Ocean City Home Bank customers receive up-to-the-minute information regarding their account balances. The online banking information is real-time and current.

Q: Can I look at my transactions at any time?
A: Yes, with online banking and our Telephone Banking system, you have access to your account information and to all processed transactions 24 hours a day, 7 days a week!

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram.

Q: How long does it take to set up a new payee in the bill payment system?
A: Once you have entered a new payee into the Electronic Bill Payment System, you can schedule a payment immediately.

Q: After I make a bill payment, how long does it take for the money to be debited from my account?
A: The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

Q: How long does it take for a payment to reach the payee?
A: A Payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 5 days.

Q: How do I actually use the Electronic Bill Payment System?
A: Step-by-step instructions can be accessed by pressing the help button within Online Banking.

Q: How long can I be inactive before being logged out of the Online Banking product?
A: The inactivity time-out default is set for 5 minutes. However, you can define the timeout period in the "User Options" page for up to 40 minutes.

Q: When does an Online Banking user become inactive?
A: All Online Banking users who have not accessed Online Banking for at least 180 days are considered inactive.