Frequently Asked Questions

Please call our Customer Care Center or visit a branch for assistance. 

If you are a Digital Banking user, you can reset or change your PIN using Card Control, found within Online Banking or the Mobile App.

Pending transactions are reflected in your balances. If it is a direct deposit or transfer between OFB accounts, funds are available for immediate use. If a check deposit, please our Funds Availability Policy.

Use the Forgot Your Password or Account Recovery link on our website or mobile app.

Each time you log in from a new device or a new browser you will need to verify your identity. We do this to prevent imposters from accessing your accounts. If you indicate you are using a private device and are still being prompted to verify your identity each time you log in, there could be a setting enabled that is preventing us from recognizing you. If you are logging in from a computer, make sure your settings are not set to delete cookies each time you exit the browser.

In Digital Banking, click on Card Control and then Manage Travel Plans. By establishing a Travel Plan, you reduce the chances of a transaction denial when traveling or shopping internationally. This can also be used if you are about to make an online purchase that originates in another country.

If you are a OceanFirst Bank Customer and believe you are a victim of fraud or identity theft, immediately contact Customer Care.

Contact the Customer Care Center at 1-888-623-2633 option 3 immediately. If outside of business hours, please call 1-800-472-3272.

OceanFirst Bank Digital Banking uses encryption methods to protect your personal information like user IDs, passwords and account information over the Internet. The security of your personal information is always a priority at OceanFirst Bank. For more information on how we protect you, please visit the Security resource page.

No. OceanFirst Bank will never ask for your password. We have alternative methods of verifying your identity.

No, regular email is not secure. Never email personal financial information such as account numbers or your social security number. 

Go to the enrollment page. Note that if you are part of a business, you will need to click on the appropriate link.

Download our mobile app to get access to your accounts and bank securely 24/7. Anywhere you are, view your balance, deposit checks, send money, transfer funds, pay bills and more. All you need is your internet-enabled iPhone®, iPad®, iPod Touch® or Android^™ mobile device.

iPhone® and iPad® Applications*

Android^™ Mobile or Tablet Applications*

Search Google Play for “OceanFirst Mobile.”

*iPhone, iPad and iPod Touch are trademarks of Apple, Inc. and Android is a trademark of Google, Inc.

Yes. Just log in directly from www.oceanfirst.com

Lots! You can do the basics such as viewing balances and making transfers between accounts, but you can also pay bills, make transfers to and from external accounts, create alerts, control your debit card, register for debit rewards, create budgets and goals for all your financial accounts, and much more!

Log into Digital Banking. In the Settings menu click on Statement Delivery and set your delivery type for your accounts. Note that you will need to have a PDF reader installed on your device to view your eStatements.

Every time you open a new account, you should visit Statement Delivery and change your delivery type.

Yes. Paperless statements and notices are only available via Digital Banking. For security purposes, we cannot email account statements to customers. You may elect not to enroll in Digital Banking and continue to receive your statements and notices via regular mail for a minimal fee. 

Anytime, Anywhere! All you need is our mobile app.

Yes! You can transfer funds to and from your external accounts within our Mobile App or Digital Banking.

In the Transfers & Payments menu click on Transfers. There, you can transfer between both OceanFirst accounts and external accounts. To add new external accounts, click on Manage External Accounts in the Transfers & Payments menu.

Yes!

1. Click on your loan and you will see payment options

2. Outside of Digital Banking, we offer other options

Sign into Digital Banking. In the Settings menu click on Update Login ID or Update Password.

Use the Forgot Your Password or Account Recovery link on our website or mobile app.

You can unlock your Personal Digital Banking login. If you are a business or need assistance, please call our Customer Care Center or visit a branch for assistance.

Each time you log in from a new device or a new browser you will need to verify your identity. We do this to prevent imposters from accessing your accounts. If you indicate you are using a private device and are still being prompted to verify your identity each time you log in, there could be a setting enabled that is preventing us from recognizing you. If you are logging in from a computer, make sure your settings are not set to delete cookies each time you exit the browser.

You must use a computer that has:

• Available browser updates applied for improved security that provide anti-virus and spyware protection.

• An internet connection with a minimum of 1 Mbps download speed.

Supported browsers include:

Although our Digital Banking solution may function with an unsupported browser, we do not recommend using unsupported browsers.

For our Mobile Apps, we always recommend updating to the latest version. Also:

• A valid email address and telephone number are required.
• Apps function best when the GPS or native mapping app (also called Location Services) is enabled.

For Android phones, Android 13.x and later are supported. For Apple phones, iOS 17.x and later are supported. Older versions may have limited support.

In the settings menu, click on Manage Accounts and click the star icon. If there is an account you feel is missing, call customer care for assistance at 1-888-623-2698.

To remove your access to Digital Banking and delete your profile, please contact our Customer Care Center.

Visit our dedicated Zelle® page.

If you are already a Digital Banking user, log in and select the appropriate product in the Open & Apply menu. If you are not a Digital Banking user or you do not yet have any accounts with OceanFirst, go here. 

You are able to open a variety of Personal and Business accounts. You can see the standard products here and our promotions here. If you would like to open up any other kinds of accounts, please call or visit a branch.  

For Personal accounts, it takes about five minutes from start to finish. Business accounts may take longer, depending on if you are asked to supply documentation. 

You will need to be a US citizen or resident alien, and have at least one account holder that is 18 years of age or older. Business accounts must be located within our branch footprint. In some circumstances, you may also be asked to provide additional documentation.

You have the ability to fund from an account at another bank, either by providing your digital banking credentials at the funding bank, or by using your routing and account numbers. If you are an existing Digital Banking user, you can also transfer funds from another OceanFirst account.

That’s ok! You have 30 days to complete it.

We make it easy for you! We’ll ask you about all of those features as you complete the application and will fulfill them automatically.

1. Log into Digital Banking via OceanFirst.com or our app 

2. Within the "Manage Accounts" menu, select "eStatements" 

3. Select the “Paperless” option, review the Terms and Conditions, and proceed

When your eStatement is made available each cycle, you will be able to view it within Digital Banking. Please note that you will need to have a PDF reader on your device; if you cannot see your eStatement you will be prompted to download one. 

Every time you open a new account, you should visit Statement Delivery and change your delivery type.

The paper statement fee is $5 per month per account. If you do not have a computer or are unable to enroll, please speak with a branch representative or call our customer care center to discuss alternatives.

Nearly all of our deposit and loan accounts. Notable exceptions are CDs and Passbook Savings.

You will have access to 84 months of eSatements, beginning from the time when you enroll.

Yes. You can print or save to your device.

Card Control is a feature within Digital Banking that allows you to turn your debit card off or on, restrict its use to certain locations or merchant/transaction types, set up alerts, change your PIN, view spending insights, see merchants where you card is on file, and much more!

To use Card Control, you must have a debit card in good standing and access to Digital Banking.

Any card Controls (such as spending limits or blockages) should carryover, but specific Alerts you may have set up will not.

Card Control is available on any device! It is available in our mobile apps and also within Online Banking.

Card Control is included in our free OceanFirst app. As long as you have the latest version of our app, you are able to use Card Control.

Yes! There is no charge to use Card Control, other than any fees your mobile carrier might charge you if you elect to set up SMS alerts.

No, only your OceanFirst debit card is available to be managed in Card Control.

No, only your OceanFirst debit card is available to be managed in Card Control.

If you have the details from another OceanFirst debit card as well as personal information about the card’s owner, you may be able to manually add that card to your Card Control profile. The card’s owner will be sent an email to verify they want to give you access.

Anyone who has access to the card in Card Control can manage all the available features. The most recent update will take precedent. For example, if User A turns the card on at 10:02, User B is able to turn the card off at 10:03, and so transactions will be declined.

No, but you are able to hide it within the Settings screen.

Very easily! On the Card Control home screen you will see a prompt to add your card to the digital wallet that resides on your phone. Just press it and follow the simple instructions.

Controls provide the ability to manage where and how your debit card is used, and how you can be notified when it is used. Some of the Controls available allow you to:

• Set location-based limits on your card
• Limit transactions based on merchant or transaction types
• Set specific transaction amount limits on a per transaction basis
• Disable all international transactions or select specific countries where transactions are allowed
• Restrict card activity to a few miles radius of your current location
• Restrict transactions to specific merchants and transaction types and set transaction spending limits
• Turn the payment card on and off—when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments

When the card is turned ON, you can use it to make purchases and other normal transactions. When the card is turned OFF, one-time transactions using your card or card number will be declined. Recurring transactions will still process when your card is turned OFF, unless you also have set a specific Control to restrict those.

To turn your card ON/OFF, simply select the toggle to set your desired card status. Changes to your card status are instant, giving you control of when your card may be used.

No. When the card is turned OFF, only one-time transactions using your card or card number will be declined. Recurring transactions, such as gym memberships, streaming services, etc., will still process when your card is turned OFF. If you’d like to stop recurring charges, you may set a specific Control to restrict those.

The Spend Limits screen allows you to block transactions greater than the amount you enter. You can also enter a dollar amount to receive alerts greater than the amount you entered.

No. While you are able to enter in any amount for the Spend Limit, it will not cause your card’s daily limit to be extended. If you set your Spend Limit higher than your card’s daily limit, the Spend Limit will not take effect. Note that daily card limits vary depending on account and card type.

You can receive Alerts via email, SMS message, or push message to your phone.

The Alert screen allows you to customize how you receive alerts on your debit card activity. You can set alerts for all transactions, no transactions, or for specific transactions such as location, merchant types, spending limits, etc. Phone Number and Email Address are taken from those that are registered with your debit card.

If you report your debit card lost or stolen to our Customer Care Center, you can use a digital version of your debit card while you wait for the physical card to arrive in the mail. Learn more about this feature here.

In the Card Control Settings, go into Personal Information. There, you will see toggles for Email and SMS. If you do not see either, please contact us so we can add your email address or SMS number. If you use Card Control on your app, push messages are standard and cannot be turned off unless you completely turn off the Alert. You are not able to customize which type of notice is sent for specific Alerts. For example, if you turned on Email and SMS notifications, you will receive an email and SMS message for every Alert you have turned on.

All of your debit transactions are in a pending state until they are processed after the end of the business day. However, due to the way some merchants communicate to Card Control, transactions may show as “posted” when you receive alerts. You may view your account history in Digital Banking to see when your debit transactions have actually been posted.

If you add your debit card into a digital wallet such as Apple Pay, Google Pay, Amazon, etc., the digital wallet may send a charge for $0.00 to make sure the card is valid. This is called “token provisioning” and the alert can be ignored. Also, if your card in the digital wallet has not been used for some time, the digital wallet may send a $0.00 charge to make sure it is still valid.

This allows you to view your debit card’s complete number, expiration date, and CVV code. You can use this if you want to make an online purchase, but your physical card is not handy.

Spend Insights allows you to view, analyze, and manage your spending trends.

Card on File shows you merchants where your debit card is stored. You can use this to confirm if you have legitimately added the card with the listed merchants and to reduce your financial exposure. Please note that your card will only show as being on file after you have stored it with a merchant and made at least one purchase. You are also able to view merchants with whom you have set up Recurring transactions. This gives you an opportunity to decide if you really need to subscribe to so many services!

This provides you the flexibility to create a travel exemption without the need to call us or visit a branch. By establishing a Travel Plan, you reduce the chances of a transaction denial when traveling or shopping internationally. This can also be used you are about to make an online purchase that originates in another country. For example, if you plan on traveling internationally next month, you can select the country you will be visiting and the dates you will be there. Any purchases you make in that country will not be automatically blocked.

This allows you to change the PIN you use when transacting at an ATM or making a purchase at a store. Any changes you make are immediate!

When you use Card Control on our apps, you may be asked if you would like to turn on this option. If you turn it on, your experience will be enhanced by seeing the exact location of the places you use your card, merchant logos, and more.

Your email address and phone number are automatically pulled in from our database. If either needs to be changed, please update it in the main Digital Banking settings area. If you do not see your email address or phone number in Card Control, please call our Customer Care Center at 888.623.2698.

If you do not see your OceanFirst debit card that is in good standing with us, you can try to add it within Card Control. If that does not work, please call our Customer Care Center at 888.623.2698 and we will look into it.

If you see a card with a number you do not recognize, it could be an old card that was not properly closed, a card that was issued but never activated, or a card that belongs to a joint user on your checking account. To remedy, please call our Customer Care Center at 888.623.2698 and we will look into it.

You may call our Customer Care Center at 888.623.2698.

Call the Customer Care Center at 1-888-623-2633 option 3 and have your debit card handy. If you are a Digital Banking user, you can reset or change your PIN using Card Control, found within Online Banking or the Mobile App.

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Visit any of our branches during business hours or you can open an account online at any time or call Telephone Account Opening at 732.797.0737 from 9am – 4pm Monday through Friday.

In order to close an account you will need to visit your local OceanFirst branch.

The fastest way to change your contact information is to log in to online banking or the mobile banking app and follow these simple instructions. You can always call the Customer Care Center for assistance.

In Online Banking:

• Log in to Online Banking 
• Click "My Settings" at upper-right menu
• Under "Settings", click "Edit" next to item you would like to update
• When done click "Save"

In Mobile Banking:

• Log into the mobile app and Under "More/..." select "Settings"
• Choose "My Settings"
• Click "Edit" next to item you would like to update
• When done click "Save"

Yes, please visit your local OceanFirst Branch.

You will need to visit a OceanFirst branch with a copy of your marriage certificate or divorce decree in order to change the name on an account.

Direct deposit is safer than checks and gives you immediate access to your funds.

Complete this authorization form and your employer will help you set up direct deposit of your paycheck. You will need to provide the following information:

• Your checking or savings account number
• Bank name – OceanFirst Bank
• OceanFirst Bank's routing transit number
• Type of account (checking or savings)

Making the switch is easy! Use our Switch Kit.

If the statements are not available online, you can visit your local branch or contact the customer care center. A bank employee can have these prepared and delivered. The fee is $5.00 per statement.

You can order checks through our partner Deluxe.  It will ask you to input information and to select a check type. You also have the option to contact us or go into a branch and place an order with an OceanFirst Bank employee.

The most basic checks we offer are $23.95. If you are above 60 years of age, you will receive our basic checks for free.

Yes, OceanFirst Bank offers the ability to pay other people via Zelle®. Send money to virtually anyone using their email address or mobile phone number.

Yes. We offer free notary services to any customer who needs it, free of charge. 

1. Visit your local OceanFirst branch during business hours.
2. Be aware that all signees must be in attendance.
3. Bring the complete document(s) to be signed.
4. Bring valid identification, i.e., a state issue driver’s license or ID card, military ID or a passport.

Our customer service representatives cannot notarize any document if a signee isn’t present or can’t provide a valid ID or if necessary documentation is missing.

You must go into a branch that has Safe Deposit Boxes in order to open one. Visit our location page and filter for the service.

If you use a non-OceanFirst ATM (domestic or abroad), there will be a $2.50 fee. There are no additional fees within the U.S. If you are traveling internationally, there will be an additional 1% fee assessed on all debit card transactions (ATM & POS).

In Digital Banking, click on Card Control and then Travel Plan. By establishing a Travel Plan, you reduce the chances of a transaction denial when traveling or shopping internationally. This can also be used if you are about to make an online purchase that originates in another country.

OceanFirst Bank through its Trust and Asset Management department has fiduciary powers which enables it to provide customers with investment management, trust administration and estate administration services. The Bank works in conjunction with its strategic partner, Addison Capital, to manage custom portfolios for individuals, business owners, non-profit organizations, and endowment funds. In addition, the Bank has the ability to serve in the capacity as an Executor or Trustee in a Last Will and Testament, testamentary trusts, revocable and irrevocable trusts, charitable trusts and special needs trusts. All accounts and portfolios are tailored to the specific needs of each client based on sound, proven investment principles.

OceanFirst Bank can serve as trustee and administer a variety of trusts in accordance with Federal and State law including:

• Revocable Trusts
• Irrevocable Trusts
• Testamentary Trusts
• Special Needs Trusts
• Charitable Remainder Trusts

A fiduciary is a person or organization who holds a legal or ethical relationship of trust, and prudently takes care of money or other assets for another person, by acting on that individual’s behalf.

OceanFirst Bank has the ability to serve as an Executor/Trustee. OceanFirst also offers investment management services.

OceanFirst Bank can serve as Executor or Agent for Executor in accordance with Federal and State law.

As an Executor, OceanFirst will carry out the instructions of the Testator and oversee the administrative duties, tax accountings and management of assets until final distributions are made to the beneficiaries.

As an Agent for Executor, OceanFirst can take care of most estate administrative and asset management tasks, such as marshalling assets, arranging for payment of debts and expenses, executing securities transactions, recordkeeping and post-mortem planning for the estate and its beneficiaries.

There are several reasons you may want to consider an estate plan. A well-crafted plan can protect your assets, keep your assets out of probate and provide safeguards to ensure they are distributed as you intended. It will also minimize any potential disagreement between designated beneficiaries.

Addison Capital is an independent and privately-owned, fee-only Registered Investment Advisor (RIA) based in the metropolitan Philadelphia area. Addison serves as a Strategic Partner and Outsourced Chief Investment Officer for the Trust and Asset Management Department.