Security & Fraud

Protection Tools

Ocean City Home Bank has kept customers’ assets safe and secure since 1887, and the security of your account remains of utmost importance to us. From sophisticated Fraud Monitoring Software designed to detect potentially fraudulent activity to a dedicated Customer Care Center team trained to help when you have a concern, we offer our customers the tools and service to protect the security of their assets. In addition, we have compiled a list of good banking practices and security tips to help you protect yourself from identity theft, scams, and other forms of fraud. When you do your banking at Ocean City Home Bank, you’ll benefit from the knowledge, experience, and dedication to security offered by the bank people trust.

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.


If you are traveling with your Visa Debit Card, please contact our Customer Care Center - a representative will ensure your card is activated for out-of-state or international use. You can also sign into your Online Banking and complete the Traveling Customer Notification under Secure Forms.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions - we will never send a text. We will attempt to reach you by phone for two days. If we cannot reach you, an email or physical letter will be sent. The fraud monitoring phone calls will come from 800-279-2674. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You’ll be able to respond via your touchtone keypad.
  • You’ll also be provided with the toll-free number 800-262-2024 to call should you have additional questions.
Our goal is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
Make sure we have your current contact information so we can reach you if fraudulent activity is suspected on your account(s). Do not include account or sensitive information if you are communicating with us via If you use online banking, please send a secure message through the Message Center function of your Online Banking service.


Identity Theft Security Tips

  • When visiting social networks, remember that sharing information like your birth date, phone number, email address, location and photos can put your identity at risk.
  • Carry only necessary information with you. Make photocopies (front and back) of vital information you carry regularly and store them in a secure place, such as a safe deposit box.
  • Unless absolutely required for a legitimate business purpose, avoid giving out your address and zip code, phone number, date of birth and Social Security number, account numbers and card expiration dates.
  • Replace paper invoices, statements and checks with electronic versions.
  • Know your billing and statement cycles.
  • Shred documents containing personal or financial information before discarding.
  • Consider subscribing to a credit monitoring service and monitor your credit reports regularly. See the Federal Trade Commission's Website for more information. Contact the applicable credit reporting companies immediately if you find any unknown or suspicious activity on your credit reports.

Email Security Tips

  • Never email your account number, Social Security number or other sensitive information to anyone.
  • Be wary of unsolicited email containing urgent appeals for secure or personal information.
  • Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
  • If you receive a suspicious email, do not click on any links or reply to it. Simply delete it.

Online Security Tips

  • Create a complex password. Memorize your user name and password - never write it down anywhere, save to your computer, or reveal it to anyone.
  • Remember to logout of Online Banking and close all browsing sessions for security. Don't rely on our session time-out feature.
  • Verify the security certificate of any website where you're going to input sensitive information.
  • Do not share any confidential information through suspicious emails, websites, social media networks, text messages or phone calls.
  • Avoid using a public or shared computer for personal and financial transactions. Only conduct Online Banking and financial transactions using a trusted computer.
  • If your computer is infected with a virus, run anti-virus software to remove the infection and change passwords on all your financial and personal accounts including your email using a secure device.
  • Make sure the computer(s) you use have current software security patches and anti-virus software. Anti-virus software requires frequent updates to guard against new viruses.
  • Install a personal firewall to help prevent unauthorized access to your home computer.
  • Wireless access should be secured with strong password encryption. Be cautious when using public hotspots and consider your Wi-Fi auto-connect settings.

Mobile Security Tips

  • Use your device's password feature and keep it locked when you're not using it.
  • Never store personal information like passwords or PIN numbers in texts, notes or emails that are accessible through your phone or tablet.
  • Add Ocean City Home Bank's short code 454545 to your device's contact list with a distinctive name, so that you will recognize incoming messages are from us and not spoofed.
  • Be careful when downloading onto your smart device, especially applications as they may contain malware. Only use reputable application markets.
  • When in doubt, don't respond. Fraudulent texts, calls and voicemails are on the rise. Just like email, requests for personal information or a call for immediate action are almost always a scam.
  • Consider using a remote wipe program; this will give you the ability to send a command to your device that will delete any data if the device is lost, stolen or discarded.
  • Never leave your device unattended in a public place. Don't leave it visible in an unattended car; lock it up in the glove compartment or trunk.

Protect Your Bank Account

  • Monitor your account online at least once a week and review your account statements carefully. Report any unauthorized charges immediately.
  • Sign up for online statements and shut off paper statements.
  • Set up Account Alerts - Sign up to receive alert messages via Online Banking, your email account or via SMS text.
  • Do not write or print your Social Security number or your driver's license number on checks.
  • Store new and cancelled checks in a secure location accessible only to trusted persons.
  • Shred old checks, receipts, account statements, and documents that contain sensitive information.
  • Do not carry your checkbook with you unless it's necessary.

ATM Security Tips

  • Be aware of people and your surroundings. If you observe suspicious persons or circumstances, do not use the ATM at that time, come back later or use an ATM elsewhere.
  • Do not use an ATM Machine that appears to be tampered with.
  • Memorize your passwords and PIN numbers and change them regularly.
  • Shield the ATM keypad with your hand or body while entering your PIN.
  • After completing a withdrawal, secure your card and cash immediately before exiting the ATM area. Count your cash later in the safety of your locked car or at home.
  • Report all crimes immediately to the ATM operator or local law enforcement

Debit Card Security Tips

  • Never lend your ATM/Debit Card to anyone.
  • Don't trust a site just because it claims to be secure. Before using the site, check out the security/encryption software it uses. Be cautious when dealing with individuals/companies from outside your immediate area or locale.
  • Do not send your card number through email or SMS text as it is typically not secure.
  • Do not give out your card number over the phone unless you initiated the call.
  • If you receive a replacement card, activate it properly and destroy your old card.
Report Fraud