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Make purchases with ease when you opt into Courtesy Overdraft Protection from OceanFirst Bank!

When you opt into courtesy overdraft protection for personal accounts, you can enjoy the peace of mind of knowing that in most cases, the purchases you make from your OceanFirst Checking accounts will be covered, even if you don't have the funds in your account to cover the purchase.

Program Benefits

  • No fees if you do not overdraw your account by more than $50 
  • Transfers made between accounts to cover insufficient funds are fee free
  • Maximum of 4 $38 NSF fees per day

Access our Personal Fee Schedule for additional information. 

Getting Started

To opt into Courtesy Overdraft Protection and take advantage of the program benefits please visit your local branch or connect with a member of our Customer Care Center team at 1.888.623.2698 today!


The bank will use discretion to pay overdrafts. This means there is no guarantee that the bank will always authorize and pay these transactions. If the bank does not authorize to pay an overdraft, the transaction will be declined. If you opted into courtesy overdraft protection and overdraw your account by more than $50, you will be charged $38 each time an overdraft transaction is paid or declined, with a maximum of four fees per day. Visit Refer to for additional information.

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.