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Access better banking
Your financial needs in focus
Achieve your financial goals with comprehensive, personalized banking solutions available in your community from OceanFirst.
Current Offers
Opportunities Just For You
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Limited Time Offer
$10,000 - $1,000,000 • 4.55% Rate, 4.65% APY* NEW MONEY REQUIRED • IRA ELIGIBLE
4.65%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 9/23/2024 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum and $1,000,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply. -
Limited Time Offer
$10,000 - $250,000 • 4.17% Rate, 4.25% APY*NEW MONEY REQUIRED • IRA ELIGIBLE
4.25%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 9/23/2024 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply. -
No Commitments. Withdraw anytime. The more you deposit, the higher your rate.
$10,000 Minimum To Receive Promotional Rates • New Money Only Available for Consumer & Business.To open a Business Account, visit your local branch or reach out to Commercial Lender.
$0-$9,999.99 = 0.05% Rate, 0.05% APY
$10,000-$99,999.99 = 1.98% Rate, 2.00% APY
$100,000-$249,999.99 = 3.20% Rate, 3.25% APY
$250,000-$499,999.99 = 3.445% Rate, 3.50% APY
$500,000 or more = 3.69% Rate, 3.75% APY*3.75%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 9/23/2024 and subject to change at any time. Advertised rates and APYs are offered at the bank’s discretion and may change daily. Actual earnings may vary. Minimum deposit of $1,000 to open account. $10,000 minimum funding amount with funds not currently on deposit to earn promotional rates. Balances up to $1,000,000 are eligible for the promotional APY, however FDIC coverage will only apply to balances of $250,000 or less. Fees may reduce earnings. Additional restrictions may apply. -
Limited Time Offer
$10,000 - $1,000,000 • 3.69% Rate, 3.75% APY* • New Money Only
3.75%Annual Percentage Yield*Open Account Now*Annual Percentage Yield (APY) as of 9/23/2024 and subject to change at any time. Offer good for the initial term only. CD is automatically renewed for a 9-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank’s discretion and may change daily. Actual earnings may vary. $10,000 minimum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Balances up to $1,000,000 are eligible for the promotional rate. However, FDIC coverage will only apply to balances of $250,000 or less. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
Personal banking
Opportunities Abound
Choose from a variety of personal banking services:
- Flexible checking, savings, and CD options that grow with you
- Personal credit solutions with rewarding features
- Convenient digital banking tools like Tap to Pay, Bill Pay, and Zelle®
- Comprehensive personal lending services for home and personal projects
Small business banking
Growth Unlocked
Put success first with services like:
- Quick access to tailored checking, Money Market, and savings accounts
- Flexible term and loan options for growth and expansion
- Mobile and digital banking tools to simplify financial management
Commercial banking & treasury management
Finances Optimized
Take advantage of comprehensive services such as:
- Commercial credit cards, savings, checking, and Money Market accounts that fit your organization's needs
- Online, in-person, and mobile merchant services
- Receibles, payables, and liquidity strategies
- Accessible lending options, including equipment loans and lines of credit
- Fraud prevention, and OceanFirst Bank OFBConnect, OFBEscrow, and RDC drivers
Trusts & estate services
Legacy Secured
Enjoy solutions like:
- Trust services tailored to your long-term aspirations
- Valuable insights into your assets for informed decisions
- Trust administration, fiduciary services, charitable planning, estate planning, and more for peace of mind
The OceanFirst difference
Banking Built Around You
Financial well-being begins with you, but we’re here to help.
- Customer-Centric Services
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Deep
Local Roots - Positive Community Impact
- Comprehensive personal and commercial banking solutions
- Digital and mobile solutions for security, convenience, and accessibility
- Video Teller services to connect to a local banker at your ATM
Local Roots
- Proudly serves over 230,000 customers, from families to businesses
- Fosters generations of financial wellness and prosperity
- Continues to grow our assets and locations across the country to serve you better
- Digital initiatives to reduce paper consumption and environmental impact
- Community programs and foundations supporting local causes
- Initiatives for first-time homebuyers and financial literacy education
Banking insights
Explore Resources and News
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Community & Wavemakers
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Community & Wavemakers
Connect with Us
Whatever stage of your financial journey you’re on, we can assist.