Skip to Main Content
  1. Go to the registration page

  2. Return to the saved application within 10 days of starting.

  3. Download our mobile app to get access to your accounts and bank securely 24/7. Anywhere you are, view your balance, deposit checks, send money, transfer funds, pay bills and more. All you need is your internet-enabled iPhone®, iPad®, iPod Touch® or Android mobile device.

    iPhone® and iPad® Applications*

    Available on the App Store

    Android Mobile or Tablet Applications*

    Get it on Google Play

    * iPhone, iPad and iPod Touch are trademarks of Apple, Inc. and Android is a trademark of Google, Inc.

  4. Yes. Just log in directly from

  5. Lots! You can do the basics such as viewing balances and making transfers between accounts, but you can also pay bills, make transfers to and from external accounts, create alerts, control your debit card, register for debit rewards, create budgets and goals for all your financial accounts, and much more!

  6. Log into Digital Banking. Click on "eStatements" within the Manage Account menu and select that you want to go paperless! Note that you will need to have a PDF reader installed on your device to view your eStatements.

  7. Yes. Paperless statements and notices are only available via Digital Banking. For security purposes, we cannot email account statements to customers. You may elect not to enroll in Digital Banking and continue to receive your statements and notices via regular mail for a minimal fee. 

  8. Anytime, Anywhere! All you need is our mobile app.

  9. Yes! You can transfer funds to and from your external accounts within our Mobile App or Digital Banking. 

    Click the "Transfer" tab from the Main Menu and choose "External Transfers." From this screen, you can add and verify any external accounts. Once verified, you can transfer funds to and from your accounts.

  10. 1. Transfer money into the loan account from an OceanFirst deposit account by either clicking on the Pay button or by setting up an Internal Transfer. For your convenience, you can set up the Internal Transfer to recur monthly.

    2. Inside or outside of Digital Banking, you may use our Loan Payment portal.

    3. Add OceanFirst as a payee in Bill Pay (be sure to add your loan's account number). For your convenience, you can set up the Bill Payment to recur monthly. However, there is a possibility that it may take a few days for us to receive your payment.

  11. Sign into Digital Banking. Click on "My Settings" (if using our app, click on "More," followed by the cog icon, then "My Settings").

    Click on "Edit" next to item you would like to update. 

    Make your changes and click "Save."


  12. Use the forgot password link on our website or mobile app.

  13. Please call our Customer Care Center or visit a branch for assistance. 

  14. Each time you log in from a new device or a new browser you will need to verify your identity. We do this to prevent imposters from accessing your accounts. To avoid authenticating each time you log in, make sure to turn on ”remember this device" on the screen where you enter your onetime passcode. If you indicate you are using a private device and are still being prompted to verify your identity each time you log in, there could be a setting enabled that is preventing us from recognizing you: 

    - If you are logging in to from a computer, make sure your settings are not set to delete cookies each time you exit the browser. 

    - If you are logging in from our app, go into the "More" menu and turn on “remember this device.”

  15. Although our Digital Banking solution may function with an unsupported browser, we do not recommend using unsupported browsers.

    As of May 2021, the latest versions of following browsers are supported:

    • Google Chrome
    • Mozilla Firefox
    • Safari
    • Microsoft Edge

    The following settings and plug-ins are required to properly access Online Banking.

    • Cookies Enabled (first- and third-party)
    • JavaScript Enabled
    • Minimum screen resolution for responsive content 320 pixels wide
    • Minimum screen resolution for non-responsive content 1024 x 768 pixels
    • PDF Reader Compatible
  16. If there is an account you feel is missing, call customer care for assistance at 1-888- 623-2698. 

  17. Log in using a computer (this feature is not available on the app). In the Manage Accounts menu, click on Share Account Access to begin the process. Alternatively, if a person is joint with you on the account, they can register for their own access.

  18. Call the Customer Care Center at 1-888-623-2633 option 3 and have your debit card handy. If you are a Digital Banking user, you can reset or change your PIN using Card Control, found within Online Banking or the Mobile App.

  19. 231270353

  20. Visit any of our branches during business hours or you can open an account online at any time or call Telephone Account Opening at 732.797.0737 from 9am – 4pm Monday through Friday.

  21. In order to close an account you will need to visit your local OceanFirst branch.

  22. The fastest way to change your contact information is to log in to online banking or the mobile banking app and follow these simple instructions. You can always call the Customer Care Center for assistance.

    In Online Banking:

    • Log in to Online Banking 
    • Click "My Settings" at upper-right menu
    • Under "Settings", click "Edit" next to item you would like to update
    • When done click "Save"

    In Mobile Banking:

    • Log into the mobile app and Under "More/..." select "Settings"
    • Choose "My Settings"
    • Click "Edit" next to item you would like to update
    • When done click "Save"
  23. Yes, please visit your local OceanFirst Branch.


  24. You will need to visit a OceanFirst branch with a copy of your marriage certificate or divorce decree in order to change the name on an account.

  25. Direct deposit is safer than checks and gives you immediate access to your funds.

    Complete this authorization form and your employer will help you set up direct deposit of your paycheck. You will need to provide the following information:

    • Your checking or savings account number
    • Bank name – OceanFirst Bank
    • OceanFirst Bank's routing transit number
    • Type of account (checking or savings)
  26. Making the switch is easy! Use our Switch Kit.

  27. If the statements are not available online, you can visit your local branch or contact the customer care center. A bank employee can have these prepared and delivered. The fee is $5.00 per statement.

  28. You can order checks through our partner Deluxe.  It will ask you to input information and to select a check type. You also have the option to contact us or go into a branch and place an order with an OceanFirst Bank employee.

    The most basic checks we offer are $23.95. If you are above 60 years of age, you will receive our basic checks for free.

  29. Yes, OceanFirst Bank offers the ability to pay other people via Zelle®. Send money to virtually anyone using their email address or mobile phone number.

  30. Yes. We offer free notary services to any customer who needs it, free of charge. 

    1. Visit your local OceanFirst branch during business hours.
    2. Be aware that all signees must be in attendance.
    3. Bring the complete document(s) to be signed.
    4. Bring valid identification, i.e., a state issue driver’s license or ID card, military ID or a passport.

    Our customer service representatives cannot notarize any document if a signee isn’t present or can’t provide a valid ID or if necessary documentation is missing.

  31. You must go into a branch that has Safe Deposit Boxes in order to open one. Visit our location page and filter for the service.

  32. If you use a non-OceanFirst ATM (domestic or abroad), there will be a $2.50 fee. There are no additional fees within the U.S. If you are traveling internationally, there will be an additional 1% fee assessed on all debit card transactions (ATM & POS).

  33. Call the Customer Care Center at 1.888.623.2698. Or log into online banking & fill out the secure Travel Notification form. 

  34. If you are a OceanFirst Bank Customer and believe you are a victim of fraud or identity theft, immediately contact Customer Care.

  35. Contact the Customer Care Center at 1-888-623-2633 option 3 immediately. If outside of business hours, please call 1-800-472-3272.

  36. OceanFirst Bank Digital Banking uses encryption methods to protect your personal information like user IDs, passwords and account information over the Internet. The security of your personal information is always a priority at OceanFirst Bank. For more information on how we protect you, please visit the Security resource page.

  37. No. OceanFirst Bank will never ask for your password. We have alternative methods of verifying your identity.

  38. No, regular email is not secure. Never email personal financial information such as account numbers or your social security number. 

  39. OceanFirst Bank through its Trust and Asset Management department has fiduciary powers which enables it to provide customers with investment management, trust administration and estate administration services. The Bank works in conjunction with its strategic partner, Addison Capital, to manage custom portfolios for individuals, business owners, non-profit organizations, and endowment funds. In addition, the Bank has the ability to serve in the capacity as an Executor or Trustee in a Last Will and Testament, testamentary trusts, revocable and irrevocable trusts, charitable trusts and special needs trusts. All accounts and portfolios are tailored to the specific needs of each client based on sound, proven investment principles.

  40. OceanFirst Bank can serve as trustee and administer a variety of trusts in accordance with Federal and State law including:
    • Revocable Trusts
    • Irrevocable Trusts
    • Testamentary Trusts
    • Special Needs Trusts
    • Charitable Remainder Trusts

  41. A fiduciary is a person or organization who holds a legal or ethical relationship of trust, and prudently takes care of money or other assets for another person, by acting on that individual’s behalf.

  42. OceanFirst Bank has the ability to serve as an Executor/Trustee. OceanFirst also offers investment management services.

  43. OceanFirst Bank can serve as Executor or Agent for Executor in accordance with Federal and State law.

    As an Executor, OceanFirst will carry out the instructions of the Testator and oversee the administrative duties, tax accountings and management of assets until final distributions are made to the beneficiaries.

    As an Agent for Executor, OceanFirst can take care of most estate administrative and asset management tasks, such as marshalling assets, arranging for payment of debts and expenses, executing securities transactions, recordkeeping and post-mortem planning for the estate and its beneficiaries.

  44. There are several reasons you may want to consider an estate plan. A well-crafted plan can protect your assets, keep your assets out of probate and provide safeguards to ensure they are distributed as you intended. It will also minimize any potential disagreement between designated beneficiaries.

  45. Addison Capital is an independent and privately-owned, fee-only Registered Investment Advisor (RIA) based in the metropolitan Philadelphia area. Addison serves as a Strategic Partner and Outsourced Chief Investment Officer for the Trust and Asset Management Department.

  46. Pending means that this transaction has occurred and will be marked as posted during our evening processing. Please note "pending transactions" are reflected in the available balance.

  47. Pending transactions are reflected in your balances. If it is a direct deposit or transfer between OFB accounts, funds are available for immediate use. If a check deposit, please our Funds Availability Policy.

    Screenshot of a transfer made within the Mobile App

  48. Our new system allows us to automatically show all the accounts associated with you. If there is an account you feel is missing, call the Customer Care Center for assistance at 1-888-623-2698.

  49. Yes. On the settings page, there is an option to “Rename & Hide your Accounts” where you can add a nickname, or elect to hide an account from view.

    screenshot of removing account in online banking

    screenshot of removing account in online banking

  50. 1. Log into Digital Banking via or our app 

    2. Within the "Manage Accounts" menu, select "eStatements" 

    3. Select the “Paperless” option, review the Terms and Conditions, and proceed


    When your eStatement is made available each cycle, you will be able to view it within Digital Banking. Please note that you will need to have a PDF reader on your device; if you cannot see your eStatement you will be prompted to download one. 

  51. When you sign up for eStatements, all of your eligible accounts are included. That means that any eligible, new accounts that you open will automatically also be included in eStatements.

  52. The paper statement fee is $5 per month per account. If you do not have a computer or are unable to enroll, please speak with a branch representative or call our customer care center to discuss alternatives.

  53. Nearly all of our deposit and loan accounts. Notable exceptions are CDs and Passbook Savings.

  54. You will have access to 84 months of eSatements, beginning from the time when you enroll.

  55. Yes. You can print or save to your device.

  56. If you are already a Digital Banking user, log in and select “Open Account” in the Additional Services menu. If you are not a Digital Banking user or you do not yet have any accounts with OceanFirst, go here

  57. Currently, you are able to open Personal checking and savings accounts. You can see the list here. If you would like to open up any other kinds of accounts or ones for a Business, please call or visit a branch.  


  58. It takes about 10 minutes from start to finish. 

  59. You will need to be a US citizen or permanent resident, at least one owner that is 18 years of age or older. You may also need to provide a photo identification document such as a driver’s license.

  60. You have the ability to fund with a credit or debit card, directly from an account at another bank, or you can choose to open now and make a deposit at a branch, ATM, or via our app within 30 days. If you are an existing Digital Banking user, you can also transfer funds from another OceanFirst account.


  61. That’s ok! You have 10 days to complete it.


  62. We make it easy for you! We’ll ask you about all of those features as you complete the application and will fulfill them automatically.

  63. Borrower must be an individual or a trust that is the owner of a whole life insurance policy.

  64. Yes, you can draw on the line up to the limit provided the loan is being handled according to terms

  65. No, you may pay the line in full at any time without penalty.

  66. The line of credit will mature in three years and will need to be renewed or paid in full.

  67. Yes, the maximum loan amount is $5,000,000.

  68. Yes, the minimum loan amount is $100,000.

  69. Up to 95% of the current net cash value of your whole life policy.

  70. Card Control is a feature within Digital Banking that allows you to turn your debit card off or on, restrict its use to certain locations or merchant/transaction types, set up alerts, change your PIN, view spending insights, see merchants where you card is on file, and much more!

  71. To use Card Control, you must have a debit card in good standing and access to Digital Banking.

  72. Any card Controls (such as spending limits or blockages) should carryover, but specific Alerts you may have set up will not.

  73. Card Control is available on any device! It is available in our mobile apps and also within Online Banking.

  74. Card Control is included in our free OceanFirst app. As long as you have the latest version of our app, you are able to use Card Control.

  75. Yes! There is no charge to use Card Control, other than any fees your mobile carrier might charge you if you elect to set up SMS alerts.

  76. No, only your OceanFirst debit card is available to be managed in Card Control.

  77. No, only your OceanFirst debit card is available to be managed in Card Control.

  78. If you have the details from another OceanFirst debit card as well as personal information about the card’s owner, you may be able to manually add that card to your Card Control profile. The card’s owner will be sent an email to verify they want to give you access.

  79. Anyone who has access to the card in Card Control can manage all the available features. The most recent update will take precedent. For example, if User A turns the card on at 10:02, User B is able to turn the card off at 10:03, and so transactions will be declined.

  80. No, but you are able to hide it within the Settings screen.

  81. Very easily! On the Card Control home screen you will see a prompt to add your card to the digital wallet that resides on your phone. Just press it and follow the simple instructions.

  82. Controls provide the ability to manage where and how your debit card is used, and how you can be notified when it is used. Some of the Controls available allow you to:

    • Set location-based limits on your card
    • Limit transactions based on merchant or transaction types
    • Set specific transaction amount limits on a per transaction basis
    • Disable all international transactions or select specific countries where transactions are allowed
    • Restrict card activity to a few miles radius of your current location
    • Restrict transactions to specific merchants and transaction types and set transaction spending limits
    • Turn the payment card on and off—when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments
  83. When the card is turned ON, you can use it to make purchases and other normal transactions. When the card is turned OFF, one-time transactions using your card or card number will be declined. Recurring transactions will still process when your card is turned OFF, unless you also have set a specific Control to restrict those.

    To turn your card ON/OFF, simply select the toggle to set your desired card status. Changes to your card status are instant, giving you control of when your card may be used.

  84. No. When the card is turned OFF, only one-time transactions using your card or card number will be declined. Recurring transactions, such as gym memberships, streaming services, etc., will still process when your card is turned OFF. If you’d like to stop recurring charges, you may set a specific Control to restrict those.

  85. The Spend Limits screen allows you to block transactions greater than the amount you enter. You can also enter a dollar amount to receive alerts greater than the amount you entered.

  86. No. While you are able to enter in any amount for the Spend Limit, it will not cause your card’s daily limit to be extended. If you set your Spend Limit higher than your card’s daily limit, the Spend Limit will not take effect. Note that daily card limits vary depending on account and card type.

  87. You can receive Alerts via email, SMS message, or push message to your phone.

    The Alert screen allows you to customize how you receive alerts on your debit card activity. You can set alerts for all transactions, no transactions, or for specific transactions such as location, merchant types, spending limits, etc. Phone Number and Email Address are taken from those that are registered with your debit card.

  88. If you report your debit card lost or stolen to our Customer Care Center, you can use a digital version of your debit card while you wait for the physical card to arrive in the mail. Learn more about this feature here.

  89. In the Card Control Settings, go into Personal Information. There, you will see toggles for Email and SMS. If you do not see either, please contact us so we can add your email address or SMS number. If you use Card Control on your app, push messages are standard and cannot be turned off unless you completely turn off the Alert. You are not able to customize which type of notice is sent for specific Alerts. For example, if you turned on Email and SMS notifications, you will receive an email and SMS message for every Alert you have turned on.

  90. All of your debit transactions are in a pending state until they are processed after the end of the business day. However, due to the way some merchants communicate to Card Control, transactions may show as “posted” when you receive alerts. You may view your account history in Digital Banking to see when your debit transactions have actually been posted.

  91. If you add your debit card into a digital wallet such as Apple Pay, Google Pay, Amazon, etc., the digital wallet may send a charge for $0.00 to make sure the card is valid. This is called “token provisioning” and the alert can be ignored. Also, if your card in the digital wallet has not been used for some time, the digital wallet may send a $0.00 charge to make sure it is still valid.

  92. This allows you to view your debit card’s complete number, expiration date, and CVV code. You can use this if you want to make an online purchase, but your physical card is not handy.

  93. Spend Insights allows you to view, analyze, and manage your spending trends.

  94. Card on File shows you merchants where your debit card is stored. You can use this to confirm if you have legitimately added the card with the listed merchants and to reduce your financial exposure. Please note that your card will only show as being on file after you have stored it with a merchant and made at least one purchase. You are also able to view merchants with whom you have set up Recurring transactions. This gives you an opportunity to decide if you really need to subscribe to so many services!

  95. This provides you the flexibility to create a travel exemption without the need to call us or visit a branch. By establishing a Travel Plan, you reduce the chances of a transaction denial when traveling or shopping internationally. This can also be used you are about to make an online purchase that originates in another country. For example, if you plan on traveling internationally next month, you can select the country you will be visiting and the dates you will be there. Any purchases you make in that country will not be automatically blocked.

  96. This allows you to change the PIN you use when transacting at an ATM or making a purchase at a store. Any changes you make are immediate!

  97. When you use Card Control on our apps, you may be asked if you would like to turn on this option. If you turn it on, your experience will be enhanced by seeing the exact location of the places you use your card, merchant logos, and more.

  98. Your email address and phone number are automatically pulled in from our database. If either needs to be changed, please update it in the main Digital Banking settings area. If you do not see your email address or phone number in Card Control, please call our Customer Care Center at 888.623.2698.

  99. If you do not see your OceanFirst debit card that is in good standing with us, you can try to add it within Card Control. If that does not work, please call our Customer Care Center at 888.623.2698 and we will look into it.

  100. If you see a card with a number you do not recognize, it could be an old card that was not properly closed, a card that was issued but never activated, or a card that belongs to a joint user on your checking account. To remedy, please call our Customer Care Center at 888.623.2698 and we will look into it.

  101. You may call our Customer Care Center at 888.623.2698.

  102. A fixed-rate conventional mortgage refers to a type of home loan in which the interest rate remains constantly fixed throughout the entire duration of the loan. This means the interest rate you initially agree upon with the lender will stay the same, regardless of any fluctuations in the broader interest rate market. 

    Key characteristics of fixed rate mortgages:

    1. Stable Monthly Payments: Your monthly principal and interest payments amounts remain unchanged over the life of the loan. 
    2. Protection from Interest Rate Increases: It shields you from rising interest rates. 
    3. Longer Loan Terms: Fixed-rate mortgages often come with longer repayment terms, typically ranging from 15 to 30 years. 


  103. An adjustable-rate mortgage (ARM) refers to a type of home loan with a variable rate. With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied on the outstanding balance resets periodically. The interest rate for an ARM is typically tied to performances of a specific benchmark (e.g., US Treasury Rate, Secured Overnight Financing Rate. As the index rate changes, the interest rate on the ARM adjusts accordingly. 

    Key features of adjustable-rate mortgages:

    1. Initial Fixed-Rate Period: ARMs often start with an initial fixed-rate period, typically ranging from one to ten years. During this period the interest rate remains fixed.
    2. Interest Rate Adjustments: After the initial fixed rate period, the interest rate on an ARM can adjust periodically. The adjustments frequency varies, but common intervals include annually, semi-annually, or monthly. When the adjustment occurs the interest rate is recalculated based on the current index rate, along with a predetermined margin or spread set by the lender.
    3. Index and Margin: The interest rate is based on the performance of a specific financial index. The lender adds a margin to the index rate to determine the new interest rate. For example, if the index rate is 3% and the margin is 2%, the new interest rate would be 5%.
    4. Rate Caps and Limits: To protect borrowers from dramatic interest rate fluctuations, ARMs typically have rate caps. Rate caps set limits on how much the interest rate can increase or decrease during a specific time or over the life of the loan. 
    5. Potential for Rate Increases and Decreases: ARMS exposes borrowers to potential interest rate changes. If market interest rates rise, the interest rate on the ARM will increase, resulting in higher monthly payments. Conversely, if rates decrease, the interest rate and monthly payments may go down as well. 
  104. Biweekly loans are a type of loan repayment schedule where the borrower makes payments every two weeks instead of the traditional monthly payments. This results in 26 half-payments in a year, which is equivalent to 13 full monthly payments. This accelerated payment schedule can help borrowers pay off their loans faster and save on interest compared to monthly payments.

  105. A Construction loan refers to a short-term financing option specifically designed to fund the construction or renovation of a property. It is a specialized type of loan that provides funds in stages or “draws” as the construction progresses, rather than disbursing the full loan amount upfront. 

    A Construction Permanent loan is a two-phase loan that combines the construction phase and the permanent mortgage into a single loan package. 

    Key benefits of Construction & Construction Permanent

    1. The total approved loan amount is not usually given to the borrower right away, in one lump sum. The construction loan operates like a line of credit from which a borrower can access funds (draw period) as needed at various stages of the construction project. 
    2. Easier to qualify.
    3. Less closing costs
    4. Interest-Only payments during construction draw period
    5. Flexible terms
  106. A home equity loan, also known as a second mortgage, is a type of loan that allows homeowners to borrow money against the equity they have built up in their property. Equity is the difference between the current market value of the home and the outstanding balance on the mortgage or any other liens on the property. 

    Home Equity loans typically provide borrowers with a lump sum of money that can be used for various purposes. The loan amount is based on the value and the amount of equity in the property.  

    Key features of home equity

    1. Loan is secured by the property.
    2. Home equity loans generally have fixed interest rates and fixed repayment terms.
    3. The interest on these loans is often tax-deductible (scenario based).
  107. A home equity line of credit (HELOC) is a revolving line of credit that allows homeowners to borrow money against the equity they have in their property. A HELOC provides borrowers with a predetermined credit limit that they can access as needed within a specified period, known as a draw period. Equity is the difference between the current market value of the home and the outstanding balance on the mortgage or any other liens on the property.

    With a HELOC, homeowners can tap into this equity to finance various expenses. Unlike a home equity loan, which provides a lump sum, HELOC offers more flexibility. Borrowers can withdraw funds as needed during the draw period, which typically lasts around 5 to 10 years.

    HELOCs often have variable interest rates, meaning the interest rate fluctuates over time based on market conditions. The interest is typically calculated based on a benchmark rate, such as the prime rate, plus a margin determined by the lender. 

    After the draw period, the HELOC enters the repayment period, which is usually around 10 to 20 years. During this phase, borrowers can no longer withdraw funds and must begin repaying the outstanding balance and interest. 

  108. Commercial loans are financial instruments provided by financial institutions. These loans are specifically designed to meet the funding needs of commercial enterprises and are distinct from consumer loans that are intended for personal or household use. 

    Commercial loans typically involve larger loan amounts and longer repayment terms compared to consumer loans. They are used by businesses to finance capital expenditures, expand operations, invest in new projects, manage cash flow, acquire assets or equipment, refinance existing debt, or meet other business-related expenses.

  109. You will need to sign up for Digital Banking. 

  110. Once loans are added to online banking, all loans appear on the main page. You can toggle between loans. 

  111. OceanFirst Bank online customers can view a version of their billing statement online.  A completely rendered version is mailed to you monthly. Estatement capabilities are coming soon.

  112. Log into OceanFirst Bank online – Select account, select Residential Fixed, select Online statements, and the correct loan number to retrieve a version of your monthly statement. For a complete copy of your statement, please refer to the mailed version. 

    Call the Loan Customer Care Center at 1-888-623-2698 or email residentialloanservicing at oceanfirst dot com.

  113. Rates can be found here.

  114. All end of year statements is mailed to borrowers before January 31st. If you didn’t receive your copy in a timely manner, please contact the Loan Customer Care Center at 1-888-623-2698 or email residentialloanservicing at oceanfirst dot com

    Note: If interest paid is less than $600.00, a 1098 Mortgage interest statement is not produced.


  115. For loan payment options, click here.

  116. You can request a stop payment on a physical HELOC check that was written from your HELOC checkbook by calling Customer Service at 800-623-2698. You can also place the stop payment by visiting any of our OceanFirst branch

  117. OceanFirst Bank currently do not offer escrow and principal only payments but coming soon.

  118. Your grace period is a specified period after the due date in which a payment can be made without incurring late fees. 

    • The number of days is outlined in your Note. 
    • The billing statement has the due date, and the amount of the late fee if the payment is made after the grace period. 


  119. OceanFirst Bank offers various grace periods before assessing a late fee. Please review your loan documents, specifically the Promissory Note.

  120. Recasting a mortgage or otherwise known as re-amortization, is a process in which the borrower makes a substantial lump sum payment towards the principal balance of their existing mortgage. After the payment is applied, a recalculation of the monthly mortgage payment based on the reduced principal balance while keeping the same interest rate and the remaining term. This results in lower monthly mortgage payments. 

  121. Everyone is not eligible for a recast. Please submit your request to and instructions will be provided. 

  122. A payoff is the total amount owed that a borrower must pay to completely satisfy and close their mortgage loan. It includes the remaining principal balance of the loan as well as the accrued interest and any outstanding fees to the effective date of the payoff. 

  123. A borrower can request a payoff quote via phone 1-888-623-2698 or visiting a local OceanFirst branch. A verbal quote will be provided over the phone and mailed to the address on record or emailed to the branch. 

    If a borrower requests to send the payoff quote to a third party, a request in writing, payoffs at oceanfirst dot com is required with a signature. Please provide an email address or fax number for the third party. 

    A third party must submit the request in writing via email, payoffs at oceanfirst dot com or fax to 732-240-3153. Please include the borrower’s name, account number, good through date, and borrower’s authorization.

  124. A paid and closed letter can be mailed, emailed, or faxed to the borrower. Please request the letter via email at payoffs at oceanfirst dot com

  125. Cancel fees are charged by the counties in which your property resides for cancellation/discharge of recorded documents. Borrowers have the option to pay the fee at payoff or to the county directly to cancel/discharge recordings. Note: The recorded lien on the mortgage is not removed until the county has cancelled/discharged the mortgage.  


  126. After paying your loan in full, it typically takes 6 – 8 weeks before receiving your cancel and discharged documents.

  127. Please contact for an updated status. Note: Access to land records is available on most NJ county websites where your property is located. Backlogs in processing at the county can result in extended timeframes for receipt of cancelled/discharged documents.

  128. An escrow account is a special account set up by the lender to hold funds used to pay the required insurance and/or taxes on your property. If your loan is escrowed, a portion of your payment goes into your escrow account every month. Your escrow balance cannot be used to pay amounts owed, such as principal and interest payments or fees.

    Note: If your loan was transferred to us, and you had an escrow account with your previous servicer, your escrow account will transfer as well. 

  129. An escrow cushion is extra money lenders may require borrowers to include in their monthly mortgage payments. It is a safety net to cover potential increases in property taxes or homeowner insurance premiums. If these costs rise and as a precautionary measure, escrow cushions help to ensure there are sufficient funds to prevent shortages. By law, the bank can hold two months of escrow as a cushion although OceanFirst Bank currently holds a one-month cushion. 

  130. If you do not have an escrow account and prefer one, submit a request in writing to escrowinsurance at oceanfirst dot com to add an escrow account. Please include your name, account number and the start date. 

  131. If you have a residential or consumer loan and want to remove your escrow account, please submit your request in writing to escrowinsurance at oceanfirst dot com

    Note: If your property is in a Flood Zone and is required to maintain flood insurance the bank is required to escrow for said insurance.
    For a commercial or business loan, please reach out to your Relationship Manager to discuss removing escrow requirements from your loan account. 

  132. An escrow analysis is conducted by the lender to ensure funds in escrow accounts are sufficient to cover the upcoming expenses for property taxes, homeowners’ insurance, and other related costs. The analysis calculates how much money needs to be collected and held in an escrow account to pay these expenses on behalf of the borrower. 

    Typically, the analysis is held annually, but it can occur when there are significant changes in property taxes (i.e., Added assessments) or insurance premiums. If the account reflects a shortage in the escrow account, the borrower is required to make additional payments to cover the shortfall. Typically, the shortage is divided by 12 resulting in an increased payment. If there is an overage, a refund is issued for amounts over $50.00. If the refund is under $50.00, the escrow account is reduced by 1/12 of the refund. 

    The borrower can request in writing to pay the shortage in one lump sum. Once the payment has been processed the escrow payment is adjusted but may not revert to the original amount.  


  133. OceanFirst Bank does not currently offer electronic escrow analysis disclosures through Digital banking. An annual escrow disclosure is mailed to the address on record annually. 

  134. An escrow shortage occurs when the funds in your escrow account are insufficient to cover the required payments for property taxes and homeowner’s insurance, or other related expenses related to your property. Several factors can cause an escrow shortage:

    • Property taxes increase – May not have collected enough funds for a property tax increase to cover a higher tax bill. 
    • Insurance increases – May not have collected enough funds for homeowner insurance to cover new increased premium. 
    • Unforeseen costs – Unexpected expenses related to your property, such as added assessments or additional insurance requirements. 
  135. If the bank escrows for your taxes, you do Not need to provide us a copy of the bill unless it is an added assessment. The bank receives normal tax bills for accounts that are escrowed.

  136. OceanFirst Bank uses a third-party vendor for monitoring insurance policies. The third-party vendor will request copies of current declarations pages when notified the policy is expired or cancelled. Hazard and/or flood may be required on your property, if the declaration page is not received in a timely manner, the property is placed on forced place insurance.

  137. Contact Escrow at , call 1-888-623-2698, or visit your local OceanFirst branch for further instructions. 

  138. Mortgage Insurance is a type of insurance that protects the lender in case the borrower defaults on their mortgage payments. If you made a down payment of less than 20%, typically mortgage insurance is required. 

  139. Mortgage insurance can typically be removed through the following methods:

    • Automatic termination – when your loan balance is scheduled to reach 78 percent of the original value of the property. No cost to the borrower. 
    • Requesting cancellation – you can request to cancel your PMI on or after the date the loan balance reaches 80 percent of the original value of the property. 
    • If your mortgage origination date is at least five years, and your loan balance is no more than 80 percent of the new valuation, you can ask for PMI cancellation.
    • If your mortgage origination date is at least two years, your remaining mortgage balance must be no greater than 75 percent of the new valuation to request PMI cancellation.
    • Note: Appraisal must be completed at borrower’s expense by bank approved company. 
    • Submit your request to cancel mortgage insurance in writing to .


  140. Loss mitigation is a process where borrowers and mortgage servicers work together to find alternative solutions to cure default or avoid foreclosure.

    Loss Mitigation options may include but are not limited to:

    • Loan modifications
    • Repayment plans
    • Short sales
    • Forbearance Agreements
    • Deed-in-lieu of Foreclosure


  141. Please call the Loan Customer Call Center at 1-888-623-2698 or email lossmitigation at oceanfirst dot com

  142. Please call the Loan Customer Call Center at 1-888-623-2698 or email lossmitigation at oceanfirst dot com

  143. Late charges are assessed when your loan payment is received after the grace period.  If you have questions concerning the late charge, please contact the Loan Customer Care Center at 1-888-623-2698 or email lossmitigation at oceanfirst dot com

  144. If you believe you have identified a mortgage related error on your credit report, please submit a dispute to the credit reporting bureau Transunion, Equifax, Experian or Innovis. Or if you prefer, please email us at  lossmitigation at oceanfirst dot com. Please include a copy of the credit report, reason for the dispute, loan number and valid contact information in your email.

  145. The details of the foreclosure process vary from state to state. If you are concerned about making your mortgage payments contact us directly to inquire about available loss mitigation options.  Please contact the Loss Mitigation department at 1-888-623-2633 extension 27714 or email lossmitigation at oceanfirst dot com

  146. A Short Sale is a loss mitigation option that allows you to sell your home for less than the remaining balance of your mortgage loan. For more information, please contact the Loss Mitigation department at 1-888-623-2633 ext. 27714 or email lossmitigation at oceanfirst dot com

  147. A Deed-in Lieu of foreclosure is a loss mitigation option that allows you to voluntarily transfer ownership of your home to the owner of your mortgage loan to satisfy the mortgage debt.  You generally must provide a clear and marketable title free of any liens and encumbrances.  For more information, please contact the Loss Mitigation department at 1-888-623-2633 ext. 27714 or email lossmitigation at oceanfirst dot com

  148. If you report your debit card lost or stolen to our Customer Care Center, you can use a digital version of your debit card while you wait for the physical card to arrive in the mail. You will have access to the digital version of your debit card until it expires or until the physical card is activated. There is no cost to you! The Digital Card does not apply to cards issued in branches or automatically issued cards, such as when your existing card is reissued due to its expiration date. 

  149. The Digital Card can be used to make purchases online and can be added to a mobile wallet (Apple Pay/Apple Wallet and Google Pay/Google Wallet) to make purchases at stores that offer tap technology. It cannot be used at an ATM, and it is not recommended to be used for recurring purchases such as memberships and subscriptions (as it may need to be updated after the physical card is activated).

  150. While the Digital Card will not work at an ATM (even those with tap technology), cash can be withdrawn when making a purchase at a store, where available.

  151. About 1 minute after the card is ordered, it will appear within the Card Control feature in Digital Banking (app or Online Banking). There, just like with a physical debit card, the complete card number can be viewed, it can be pushed to a mobile wallet, controls and alerts can be set, and spending insights can be seen. 

  152. Customers who have access to our retail Digital Banking (personal and small business) and who are issued a new physical card by the Customer Care Center will automatically be issued a Digital Card. Cards printed in branches will not have an associated Digital Card. In that case, you can still use Card Control to push the physical card to a mobile wallet.

  153. No. The Digital Card is automatically activated and as soon as it can be viewed in Card Control, it can be used. The button that says “Activate Card” on top of the Digital Card image is only used when the physical card arrives and needs to be activated -- it has nothing to do with the Digital Card, but unfortunately cannot be removed from view.

  154. A physical card will still need to be ordered, issued, and eventually activated, but you can then choose to only use the card digitally, if so desired. 

  155. No, the card details will be automatically updated in the mobile wallet after the physical card is activated.

  156. It can be used until the expiration date on the Digital Card or until the physical card is activated, whichever is sooner.

  157. Yes! The Digital Card is to be used online and in a mobile wallet, which are methods that have already been in use by our customers for a number of years.

  158. No, only cards that are individually ordered will have a Digital Card.

  159. No, for the time being. Your Customer Care Center representative should inform you that the Digital Card can be viewed about a minute after the card is ordered. 

  160. Please read our Card Control FAQ for info on all the features.


About This Location

Let us help you

For more information about OceanFirst products and services, please e-mail us your questions, visit your local branch, or give us a call at 1-888-623-2633.

Fatal error: Uncaught PDOException: SQLSTATE[22001]: String data, right truncated: 1406 Data too long for column 'page_text' at row 1 in /srv/www/virtual/9936/prod/ Stack trace: #0 /srv/www/virtual/9936/prod/ PDOStatement->execute() #1 {main} thrown in /srv/www/virtual/9936/prod/ on line 1787