Send and receive money with Zelle^® in minutes.^*

You can send, receive, or request money with Zelle^®. To get started, log into the OceanFirst mobile app or online banking. In the main menu, select "Pay/Transfer". Then "Send money with Zelle^®".

To send money using Zelle^®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll. Money is available to your recipient in minutes if they are already enrolled.

To request money, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle tag, confirm the recipient is correct and tap "Request."

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money. If you have already enrolled, you do not need to take any further action. The money will be sent directly into your OceanFirst Bank account, typically within minutes.

If someone sent you money and you have not yet enrolled, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select OceanFirst Bank.
3. Follow the instructions provided on the page to enroll and receive your payment. Enroll using the email address or U.S. mobile number where you received the notification to ensure you receive your money.

Keeping your money and information secure is a top priority for OceanFirst Bank. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your OceanFirst Bank account safe.

Zelle^® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.^*

Since money is sent directly from your OceanFirst Bank account to another person's bank account within minutes^*, Zelle^® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for, you should not use Zelle^®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from the OceanFirst mobile app or online banking using just their enrolled email address, U.S. mobile number, or Zelle tag.

Neither OceanFirst Bank nor Zelle^® offers purchase protection for payments made with Zelle^®. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Please contact our customer care center at 1.888.623.2698. Qualifying imposter scams may be eligible for reimbursement.

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

No, payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn't yet enrolled. To check whether the payment is still pending, go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment". If you do not see this option, please contact our customer care center at 1.888.623.2698.

If the person is already enrolled, the money is sent directly to their bank account and cannot be canceled. Only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number.

If you sent money to the wrong person, please immediately call our customer care center at 1.888.623.2698.

No, OceanFirst Bank does not charge any fees to use Zelle^® in our mobile app.

Your mobile carrier's messaging and data rates may apply.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions at Zelle.com.

Zelle^® QR code provides peace of mind knowing you can send and receive money without typing an email address or U.S. mobile number.

To locate your QR code, log into the OceanFirst mobile app. In the main menu, select "Pay/Transfer". Then "Send money with Zelle^®". Click "Send," then click the QR code icon at the top of the "Select Recipient" screen. Navigate to "My Code."

To send money, go to the same QR icon and scan the recipient's Zelle^® QR code, enter the amount, hit "Send," and the money is on the way. Always confirm the displayed recipient name before sending.