FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Personal Banking

Embrace the possibilities

Manage your financial needs withpersonal banking solutions that make life easier.

Our services

Your Personal Banking Options

Explore OceanFirst checking, savings, and lending options that
meet your everyday financial needs and future goals.

Your financial needs are unique to you. With a variety of checking account options to choose from, you can access, spend, and monitor your money exactly how you need to.

Our checking solutions include:

  • FreeStyle and FreshStart accounts 
  • Online and Mobile options 
  • Overdraft Protection
  • Zero Liability Fraud 
Open an AccountExplore Personal Checking

Save, protect, and maximize the money you worked hard for. OceanFirst Bank savings accounts and CDs will help you prepare for whatever tomorrow brings.

Our savings accounts & CDs include:

  • Various savings options, including KidSaveSmart and Money Market accounts
  • Convenient digital banking options
  • FDIC-insured options 
  • Competitive rates
  • Money management
Open an AccountExplore Personal Savings

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

Features:

  • Convenient and flexible purchasing power.
  • Accepted at millions of locations worldwide.
  • Mobile Purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
Learn More
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

Experience true financial freedom. Take your banking wherever you are with online and mobile services.

Our state-of-the-art digital services include:

  • Video tellers
  • Bill Pay and eStatements
  • Mobile deposit 
  • Top-rated mobile app 
  • Zelle®, Tap to Pay, and text banking
Learn More Digital Banking

Make your dream home or other important purchase a reality with personal loans and Cash Value Line of Credit flexible to your needs.

Our personal lending solutions include:

  • Loan options to meet your credit
  • Simple application processes
  • First-time homeowner assistance 
  • Personalized help
  • Options to fix up or build upon your home
Apply for a LoanExplore Personal Lending

Connect with Us

Whatever stage of your financial journey you’re on, we can assist.