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Life can be complicated, but your checking account doesn't have to be. We make it easier, like not having to pump your own gas. It's a Jersey thing.

Personal Checking Compare Table

Features

Simply Great

OPEN ACCOUNT with Simply Great Checking

Totally Free

OPEN ACCOUNT with Totally Free Checking

A+ Student

OPEN ACCOUNT with A+ Student Checking

AmiGo by OceanFirst

OPEN ACCOUNT with AmiGo Checking

Minimum Balance$5,000$0$0$0
Monthly Fee if Below Balance$7.95$0$0$0
Minimum to Open$50 $50 $50 $50
No Account Feeschecked
Free Nationwide ATMscheckedcheckedchecked
Other Bank’s ATM FeesUnlimited RebatesUp to $10 MonthlyUnlimited Rebates
Zero Liability Guaranteecheckedcheckedcheckedchecked
Bill Pay & Mobile Depositcheckedcheckedcheckedchecked
Debit Card with Fraud Monitoring checkedcheckedcheckedchecked
Debit Card RewardsAnnual Bonus Points checkedcheckedchecked
Free CheckscheckedFirst Order FreeFirst Order Free
Interest on Balancecheckedchecked
Opening Bonus$10
OPEN ACCOUNT with Simply Great CheckingOPEN ACCOUNT with Totally Free CheckingOPEN ACCOUNT with A+ Student CheckingOPEN ACCOUNT with AmiGo Checking

AmiGo by OceanFirst

Our newest and best account ever, and it can only be opened online.
Open Account

Summary

To learn more, please visit OceanFirstAmiGo.com.

 

 

Requirements

  • Can only be opened online
  • Requires a $50 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rate

AmiGo by OceanFirst Bank

BalanceInterest RateAPY
$0.01 +0.00%0.25%

Simply Great Checking

When it's easy-to-understand and offers all the features and benefits you need, we call it Simply Great. We think you will, too!

Features

  • $7.95 monthly service charge waived if you maintain a $5,000 minimum balance
  • Free nationwide ATM usage
  • Competitive interest rates
  • Free checks
  • Visa® Debit Card with reward points
  • 10,000 free reward points per year with 240 signature or online purchases
  • Zero Liability Guarantee with Fraud Monitoring Tools
  • Digital banking with purchase rebate offers

Requirements

  • Requires a $50 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Rates

Effective Date: Thursday, February 21, 2019

Simply Great Checking

BalanceInterest RatesAPY
$0 - $2,4990.00%0.00%
$2,500 - $24,999.990.01%0.01%
$25,000 - $99,999.990.05%0.05%
$100,000+0.05%0.05%

Totally Free Checking

You know what they say - the best things in life are free. That's why we offer the account with no frills, no hidden fees and no surprises.

Features

Requirements

  • Requires a $50 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

RewardsFirst Checking

If you're an employer with 10+ employees, sign up for Rewards Banking and treat your team to the same perks we offer ours.

Features

  • $7.95 Monthly service charge is waived
  • Free nationwide ATM usage
  • Competitive interest rates
  • Free checks
  • Plum Benefits
  • Visa® Debit Card with reward points
  • 10,000 free reward points per year with 240 signature or online purchases
  • Zero Liability Guarantee with Fraud Monitoring Tools
  • Digital banking with purchase rebate offers

Requirements

  • An OceanFirst banker can provide you with your employer's rewards code if you would like to open this account online
  • Requires a $50 deposit to open
  • Account is available to anyone over 14 years old
  • Customers under 18 require an adult co-signer on their account

Simply Great Checking

Rates

Effective Date: Thursday, February 21, 2019

Simply Great Checking

BalanceInterest RatesAPY
$0 - $2,4990.00%0.00%
$2,500 - $24,999.990.01%0.01%
$25,000 - $99,999.990.05%0.05%
$100,000+0.05%0.05%

*You will need your employer's rewards banking code to open account online & a payroll stub.

A+ Student Checking

Wherever you go, you will always have FREE ATM access.
Comes in handy when you're on Spring Break!

Features

This account is available to students ages 14 to 26 and requires a $50 deposit to open.

  • No minimum balance requirement, ever
  • No monthly service charge, ever
  • $10 bonus deposit upon account opening, yes, you read that right
  • Free nationwide ATM use
  • Up to $10 per month reimbursement of other bank's ATMs fees
  • Visa® Debit Card with reward points
  • Zero Liability Guarantee with Fraud Monitoring Tools
  • Digital banking with purchase rebate offers
  • Free first order of checks

Requirements

  • Requires a $50 deposit to open
  • Available to students ages 14 to 26 and requires a $50 deposit to open
  • Customers under 18 require an adult co-signer on their account
  • Must be between the ages of 18-24 to open account online

Visa® Debit Card
with Rewards

Reward yourself every time you use our free debit card, whether you're shopping, paying bills or filling up your tank. If you listen closely, you may even hear the cha-ching.

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.