US Bank Directory
Banks in Ocean City, MD
8 FDIC-insured banks operate 13 offices in Ocean City, Maryland.
Source: FDIC BankFind, data as of September 5, 2026; hours checked October 10, 2026.
Bank branch map: Ocean City
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 8 banks and credit unions operate 13 locations in Ocean City, according to the FDIC. 13 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Ocean City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Calvin B. Taylor Banking Company of Berlin, Maryland has the most locations in Ocean City, with 3. It is followed by Shore United Bank (2), Bank of Ocean City (2), The Farmers Bank of Willards (2). 4 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Calvin B. Taylor Banking Company of Berlin, Maryland Bank · 3
Calvin B. Taylor Banking Company of Berlin, Maryland has 3 branches in Ocean City, 8 across Maryland and 12 nationwide. FDIC records list its main office in Berlin, MD and show it operating since 1890. With $1.02 billion in total assets on June 30, 2026, it ranks No. 1,034 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ocean City location is the Ocean City Branch at 100 20th St, dating to 1960; the newest, at 9923 Golf Course Rd, to 1991. It does not publish hours in the sources this page uses; check its site before you go.
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Ocean City Branch100 20th St, 21842
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North Ocean City-Fenwick Branch14200 Coastal Hwy, 21842
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West Ocean City Branch9923 Golf Course Rd, 21842
Bank of Ocean City Bank · 2
Bank of Ocean City has 2 branches in Ocean City, 4 across Maryland and 6 nationwide. FDIC records list its main office in Ocean City, MD and show it operating since 1916. With $695.0 million in total assets on June 30, 2026, it ranks No. 1,380 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ocean City location is its main office at 10005 Golf Course Rd, dating to 1916; the newest, at 5900 Coastal Hwy, to 1972. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office10005 Golf Course Rd, 21842
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59Th Street Branch5900 Coastal Hwy, 21842
Shore United Bank Bank · 2
Shore United Bank has 2 branches in Ocean City, 33 across Maryland and 40 nationwide. FDIC records list its main office in Easton, MD and show it operating since 1876. With $6.15 billion in total assets on June 30, 2026, it ranks No. 247 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ocean City location is the West Ocean City Branch at 12905b Ocean Gtwy, dating to 2020; the newest, at 3409 Coastal Hwy, to 2022. It does not publish hours in the sources this page uses; check its site before you go.
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West Ocean City Branch12905b Ocean Gtwy, 21842
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South Ocean City Branch3409 Coastal Hwy, 21842
The Farmers Bank of Willards Bank · 2
The Farmers Bank of Willards has 2 branches in Ocean City, 7 across Maryland and 8 nationwide. FDIC records list its main office in Willards, MD and show it operating since 1925. With $547.6 million in total assets on June 30, 2026, it ranks No. 1,685 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ocean City location is the 611 Branch at 9701 Stephen Decatur Hwy, dating to 2004; the newest, at 8700 Coastal Highway, to 2023. It does not publish hours in the sources this page uses; check its site before you go.
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87Th Street O.C. Branch8700 Coastal Highway, 21842
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611 Branch9701 Stephen Decatur Hwy, 21842
Bank of America Bank · 1
Bank of America has 1 branch in Ocean City, 114 across Maryland and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Ocean City South Branch at 4401 Coastal Hwy dates to 1966 in FDIC branch records. Its published hours do not list Saturday.
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Ocean City South Branch4401 Coastal Hwy, 21842
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Burke & Herbert Bank Bank · 1
Burke & Herbert Bank has 1 branch in Ocean City, 19 across Maryland and 106 nationwide. FDIC records list its main office in Alexandria, VA and show it operating since 1852. With $10.98 billion in total assets on June 30, 2026, it ranks No. 151 of 4,232 U.S. banks by total assets. The 26Th Street Office Branch at 201 B 26th Street dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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26Th Street Office Branch201 B 26th Street, 21842
PNC Bank Bank · 1
PNC Bank has 1 branch in Ocean City, 115 across Maryland and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The West Ocean City Branch at 12648 Ocean Gtwy dates to 1990 in FDIC branch records. It opens on Saturday.
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West Ocean City Branch12648 Ocean Gtwy, 21842
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Truist Bank · 1
Truist has 1 branch in Ocean City, 138 across Maryland and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Ocean City Branch at 4604 Coastal Hwy dates to 1974 in FDIC branch records. It opens on Saturday.
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Ocean City Branch4604 Coastal Hwy, 21842
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Banking in Ocean City: the local picture
Short answer: 8 banks run 13 branches in Ocean City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 8 banks, 1 has its main office in Ocean City, 3 elsewhere in Maryland and 4 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of Ocean City's office at 10005 Golf Course Rd, dating to 1916; the newest is The Farmers Bank of Willards's at 8700 Coastal Highway, from 2023.
Of the 3 locations with published hours. 2 open on Saturday. 10 locations have no published hours in these sources.
Banks open on Saturday in Ocean City
Short answer: 2 of the 3 Ocean City locations with published hours open on Saturday, run by 2 institutions.
- PNC Bank: 1 of 1 branch (12648 Ocean Gtwy: Saturday 9 am to 1 pm)
- Truist: 1 of 1 branch (4604 Coastal Hwy: Saturday 9 am to 12 pm)
Bank branches show hours only where the bank publishes them in a source this page uses; 10 of the 13 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Ocean City, and where the nearest one is if they do not.
Short answer: In Ocean City: Bank of America (1), PNC Bank (1), Truist (1). No branches in Ocean City: Chase (nearest in California, 77 mi), Wells Fargo (nearest in Annapolis, 86 mi), U.S. Bank, Fifth Third Bank, Huntington, Regions Bank, TD Bank (nearest in Annapolis, 90 mi), BMO.
| Bank | In Ocean City | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | California, 77 miles away |
| Wells Fargo | None | Annapolis, 86 miles away |
| U.S. Bank | None | none in Maryland |
| Fifth Third Bank | None | none in Maryland |
| Huntington | None | none in Maryland |
| Regions Bank | None | none in Maryland |
| TD Bank | None | Annapolis, 90 miles away |
| BMO | None | none in Maryland |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ocean City to the nearest branch in Maryland.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Ocean City residents like anyone else.
Banks near Ocean City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Berlin (5 miles) and Snow Hill (21 miles). Salisbury, 27 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Berlin, MD | 5 mi | 7 | 11 |
| Banks in Snow Hill, MD | 21 mi | 2 | 2 |
| Banks in Salisbury, MD | 27 mi | 10 | 25 |
| Banks in Fruitland, MD | 29 mi | 2 | 2 |
| Banks in Pocomoke City, MD | 33 mi | 5 | 5 |
| Banks in Princess Anne, MD | 35 mi | 3 | 3 |
| Banks in Crisfield, MD | 49 mi | 2 | 2 |
| Banks in Denton, MD | 54 mi | 3 | 3 |
Bank branch openings and closings in Ocean City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ocean City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Ocean City
Short answer: 1 institution has its main office in Ocean City: Bank of Ocean City.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Bank of Ocean City | Bank | $695.0 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ocean City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ocean City offices.
Short answer: Bank of America is the largest bank with offices in Ocean City, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. 1 of the 8 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Burke & Herbert Bank | $10.98 billion | No. 151 | 1 | Alexandria, VA |
| Shore United Bank | $6.15 billion | No. 247 | 2 | Easton, MD |
| Calvin B. Taylor Banking Company of Berlin, Maryland | $1.02 billion | No. 1,034 | 3 | Berlin, MD |
| Bank of Ocean City | $695.0 million | No. 1,380 | 2 | Ocean City, MD |
| The Farmers Bank of Willards | $547.6 million | No. 1,685 | 2 | Willards, MD |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Ocean City: FAQ
How many banks are in Ocean City, MD?
Ocean City has 8 banks with 13 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Ocean City?
Calvin B. Taylor Banking Company of Berlin, Maryland, with 3. Shore United Bank has 2 and Bank of Ocean City has 2.
Is there a Calvin B. Taylor Banking Company of Berlin, Maryland in Ocean City, MD?
Yes. FDIC data lists 3 Calvin B. Taylor Banking Company of Berlin, Maryland branches in Ocean City as of September 5, 2026. Its branches are listed under Calvin B. Taylor Banking Company of Berlin, Maryland above, with the address and directions for each.
Is there a Shore United Bank in Ocean City, MD?
Yes. FDIC data lists 2 Shore United Bank branches in Ocean City as of September 5, 2026. Its branches are listed under Shore United Bank above, with the address and directions for each.
Is there a Chase in Ocean City, MD?
No. FDIC data lists no Chase branch in Ocean City as of September 5, 2026. The nearest is in California, about 77 miles away in a straight line.
Which banks in Ocean City are open on Saturday?
PNC Bank and Truist publish Saturday hours for one or more Ocean City locations. The Saturday section above lists each one with its hours. 10 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ocean City?
Bank of Ocean City has its main office in Ocean City, according to the FDIC.
What is the oldest bank in Ocean City?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Did any bank branches open or close in Ocean City in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Ocean City?
Nearby cities with more banks include Berlin, Snow Hill, Salisbury. Berlin is 5 miles away with 7 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Bank branch hours, phones and branch pages (3 of 13 branches: Bank of America, PNC Bank, Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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