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Welcome Oculina Bank

What You Need To Know

We are so excited to welcome you to iTHINK Financial Credit Union (iTHINK Financial)! 

iTHINK Financial is committed to delivering Service Excellence to all members and we want to help make transitioning your accounts as simple as possible. The chart below gives you the information you need on how your accounts are being incorporated into our system. All accounts will be under the same member number.


 iTHINK Financial
iTHINK Financial
Savings Premier
Habitat Savings
Youth Savings
Regular Savings
 Membership Account   $5   S1
Business Savings  Business Savings   $0  S4
Basic Money Market
Personal Money Market
Premier Money Market
 Money Market Max   $500   S31
Business Money Market
Basic Money Market
 Business Money Market   $500   S32
Health Savings  Health Savings  $100  S39
 Coral Checking Plus  Tiered Checking*  $100   S52
Better than Free Checking
Estate Checking Plus
Coral Interest Checking
 Grand Checking    $1,000  S55
Corporate Business Checking
Business Checking
 Business Checking   $0   S57
Teen Checking
Coral Checking
 myWallet Checking   $0   S58
IOLTA Settlement Lawyer Trust-IOTA Business Interest Checking   $0   S59

Membership Savings Account:

  • Opened when you join
  • No minimum balance to earn compounded interest

myWallet Free Checking

  • No hidden fees
  • No minimum balance or monthly service fee
  • Youth checking accounts available for members ages 16–21
Tiered Checking* Account
  • $100 minimum opening balance
  • Dividends paid monthly
  • No fee with $1,000 minimum balance

Grand Checking

  • $1,000 minimum balance
  • Dividends compounded and paid quarterly
  • Overdraft and identity protection services
  • Credit monitoring

Money Market Max

  • Minimum $500 opening deposit
  • Tiered dividend rates
  • Up to 6 debits per month
  • Unlimited transfers or deposits in person, at the night drop or by mail
  • eDeposits available

Health Savings Account (HSA)

  • Tax-free payments on qualified medical expenses
  • Money rolls over from year to year
  • Contribute up to $3500 for single coverage and $7000 for family coverage

Business Savings Account

  • Dividends paid quarterly
  • No minimum balance required
  • No transaction limitations apply

Business Interest Checking

  • Minimum $50 opening deposit
  • NO minimum balance or monthly service fees
  • Free Online Banking and Online Bill Paying

Business Checking

  • Minimum $50 opening deposit and no minimum balance fees
  • Reduced transaction fees with an active iTHINK Financial Business Loan
  • Waived transaction fees with a Business Deposit relationship of $10,000 or more

Business Money Market

  • Minimum $500 opening deposit
  • Tiered dividend rates
  • Up to 6 debits per month
  • Unlimited deposits in person, at the night drop and by mail
  • eDeposits available


Besides the accounts above, you have access to many exclusive products and services including:


  • eDeposits
    • Take a picture of your check with your mobile phone and upload it for deposit!
  • myChoice Checking
    • 3.00% APY* up to first $3,000 in deposits
    • Includes Credit Monitoring that checks your Experian, Equifax and TransUnion credit report and alerts you of any changes, and Identity Theft Services that assist if you become the victim of identity theft
  • $2,000 Accidental Death and Dismemberment (AD&D) Insurance Policy (free for members -requires enrollment)

  • Visa Credit Cards
    • Low rate balance transfers with no balance transfer, annual or application fees
    • Card Control to lock or unlock your lost/stolen card
    • Mobile Payments available through Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
  • And much, much more!


We’re so happy you’ve chosen to be a member of our credit union family!

It is important to note that any minimum balance or monthly service fees, if applicable for your account, will be waived through April 2020.

You will also have one free check order upon request for personal or business accounts.* Contact us today for your first free box of iTHINK Financial checks.

Please visit our Frequently Asked Questions page for more information. If you have any additional questions, please feel free to contact us at 800.873.5100 or


* S52 Tiered Checking accounts are only available to merging Oculina Bank account holders. Please refer to the iTHINK Financial disclosures and fee schedules in your new Membership packet and on our website, or contact an iTHINK Financial Member Service Advisor for the fees, terms and conditions that may apply to your accounts. Your first free box of checks will be the standard iTHINK Financial design, other designs are available at an additional cost.


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Live Homebuyer Webinar on Jul 27

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Business Webinar: Ensure Your Business Succeeds With SWOT Analysis on Jul 28

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South Florida Branch Reopening Celebrations on Aug 4 - Sep 22

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