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Prefer to sit at a desk with a banker, sipping a cup of our coffee to open your account?  We've got you covered.

Personal Checking Compare Table

Features

Totally Free

LEARN MORE with Totally Free Checking

A+ Student

LEARN MORE with A+ Student Checking

Simply Great

LEARN MORE with Simply Great Checking

Minimum Balance$0$0$5,000
Monthly Fee if Below Balance$0$0$7.95
Minimum to Open $50 $50 $50
No Account Fees
Free Nationwide ATMscheckedchecked
Other Bank’s ATM FeesUp to $10 MonthlyUnlimited Rebates
Zero Liability Guaranteecheckedcheckedchecked
Bill Pay & Mobile Depositcheckedcheckedchecked
Debit Card with Fraud Monitoring checkedcheckedchecked
Debit Card RewardscheckedcheckedAnnual Bonus Points
Free ChecksFirst Order Freechecked
Interest on Balancechecked
Opening Bonus$10

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: Friday, September 20, 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

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
  • Customers under 18 require an adult co-signer on their account
AmiGo
Are you really still looking? What part of AmiGo being free with unlimited free atms did you miss? It’s like finding out there really is a pot of gold at the end of the rainbow.
A hand typing their debit card number into a keyboard. Zoomed in photo.

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.