OceanFirst Bank has a new look, with the same great service you trust! Explore our updated site today. 

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The site you will be linking to is not owned or operated by OceanFirst Bank. We encourage you to review the website's privacy and security policies.

Welcome to OceanFirst Bank's New Site!

Thanks for visiting! While our website has a fresh new look, all your personal and business banking tools are right here where you need them. Everything you count on is still just a click away.

Frequently Asked Questions

Top Questions

How do I unlock my digital banking login?

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

How do I request a new PIN for my debit card or reset my PIN?

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.

Can I use the funds in my account when it says "Pending"?

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.

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Security

How do I reset my password?

Use the forgot password link on our website or mobile app.

Why does Digital Banking ask me to enter a code each time I log in?

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. To avoid authenticating each time you log in, make sure to turn on ”remember this device" on the screen where you enter your onetime passcode. 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 to from a computer, make sure your settings are not set to delete cookies each time you exit the browser. 

- If you are logging in from our app, go into the "More" menu and turn on “remember this device.”

How do I notify OceanFirst that I will be traveling with my debit card?

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.

What should I do if I suspect my online information has been compromised?

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

How do I report a lost or stolen debit card?

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

What security features are in place to protect my account information online?

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.

Is it ok to provide my password when asked?

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

Is it ok to send account information via e-mail?

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


Digital Banking

How do I sign up for Digital Banking?

Go to the registration page.

How do I continue my online account application?

Return to the saved application within 10 days of starting.

How do I download the OceanFirst mobile banking app?

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*

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Android Mobile or Tablet Applications*

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

Can I access Digital Banking on my mobile phone without the app?

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

What am I able to do in Digital Banking?

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!

I love the planet! How do I sign up for eStatements?

Log into Digital Banking. Click on "eStatements" within the Manage Account menu and select that you want to go paperless! Note that you will need to have a PDF reader installed on your device to view your eStatements.

Do I need to be enrolled in Digital Banking to get eStatements and service notices?

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. 

Can I deposit a check from my smartphone?

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

Can I transfer funds from external accounts?

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

Click the "Transfer" tab from the Main Menu and choose "External Transfers." From this screen, you can add and verify any external accounts. Once verified, you can transfer funds to and from your accounts.

Can I pay my mortgage or home equity loan/line online?

1. Transfer money into the loan account from an OceanFirst deposit account by either clicking on the Pay button or by setting up an Internal Transfer. For your convenience, you can set up the Internal Transfer to recur monthly.

2. Inside or outside of Digital Banking, you may use our Loan Payment portal.

3. Add OceanFirst as a payee in Bill Pay (be sure to add your loan's account number). For your convenience, you can set up the Bill Payment to recur monthly. However, there is a possibility that it may take a few days for us to receive your payment.

How do I change my username or password?

Sign into Digital Banking. Click on "My Settings" (if using our app, click on "More," followed by the cog icon, then "My Settings").

Click on "Edit" next to item you would like to update. 

Make your changes and click "Save."

How do I reset my password?

Use the forgot password link on our website or mobile app.

How do I unlock my digital banking login?

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

Why does Digital Banking ask me to enter a code each time I log in?

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. To avoid authenticating each time you log in, make sure to turn on ”remember this device" on the screen where you enter your onetime passcode. 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 to from a computer, make sure your settings are not set to delete cookies each time you exit the browser. 

- If you are logging in from our app, go into the "More" menu and turn on “remember this device.”

What operating systems/internet browsers can I use for Digital Banking?

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

As of May 2021, the latest versions of following browsers are supported:

  • Google Chrome
  • Mozilla Firefox
  • Safari
  • Microsoft Edge

The following settings and plug-ins are required to properly access Online Banking.

  • Cookies Enabled (first- and third-party)
  • JavaScript Enabled
  • Minimum screen resolution for responsive content 320 pixels wide
  • Minimum screen resolution for non-responsive content 1024 x 768 pixels
  • PDF Reader Compatible
I do not see my new account when I log in to Digital Banking, how do I add it or remove an account?

If there is an account you feel is missing, call customer care for assistance at 1-888- 623-2698. 

How do I share access to my Digital Banking?

Log in using a computer (this feature is not available on the app). In the Manage Accounts menu, click on Share Account Access to begin the process. Alternatively, if a person is joint with you on the account, they can register for their own access.

Why do I now see accounts I never saw before?

Our new system allows us to automatically show all the accounts associated with you. If there is an account you feel is missing, call the Customer Care Center for assistance at 1-888-623-2698.

I see accounts I don’t need to see; can I hide them?

Yes. On the settings page, there is an option to “Rename & Hide your Accounts” where you can add a nickname, or elect to hide an account from view.

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How can I delete my Digital Banking access?

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


Zelle

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.3 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

Who can I send money to with Zelle®?

You can send money to friends, family and others you trust.2

Since money is sent directly from your bank account to another person's bank account within minutes,3 it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

If you don’t know the person or aren’t sure that you will get what you paid for (for example, items bought from an online bidding or sales site), 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). Neither OceanFirst Bank nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I enroll in Zelle®?

You can send, request or receive money with Zelle®.

To start using Zelle® at OceanFirst Bank, you must be at least 18 years old and a personal account customer enrolled in Digital Banking. If you are not already enrolled in Digital Banking, you can enroll on our website or our mobile banking app. Once enrolled in Digital Banking you can access “Send Money With Zelle®” within the Pay & Transfer menu and complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.5 Business account use is not permitted at this time.

How Do I Use Zelle®?

You can send, request or receive money with Zelle®.

To get started, log in to OceanFirst Bank's online banking or mobile app, navigate to the Pay & Transfer menu and select "Send Money With Zelle®." 5 Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you're ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.3

To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request." 4

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

Someone sent me money with Zelle®, how do I receive it?
 

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.3

If you have not yet enrolled with Zelle®, 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. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
What types of payments can I make with Zelle®?

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.2

Since money is sent directly from your bank account to another person's bank account within minutes,3 Zelle® should only be used to send money to friends, family and others you trust.

Neither OceanFirst Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I get started?

It's easy — Zelle® is already available within OceanFirst Bank's mobile banking app and online banking within Digital Banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.5

What if I want to send money to someone whose financial institution doesn't offer Zelle®?

You can find a full list of participating banks and credit unions live with Zelle®here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle® through your online banking account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with OceanFirst Bank).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies of the incoming payment. OceanFirst Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

How do I use a Zelle® QR code?

Using a QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number.

To locate your QR code, log into Digital Banking and access Zelle® . Next, go to your “Zelle® Settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email, or print your Zelle® QR code. To receive money, just share your Zelle® QR code.

To send money, log into Digital Banking and access Zelle®, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Can I use Zelle® internationally?

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

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call our Customer Care Center at 1-888-623-2698 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by but are a separate service from Zelle® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.3

If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.3

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact our Customer Care Center at 1-888-623-2698.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe 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 bank account safe.

I'm unsure about using Zelle® to pay someone I don't know. What should I do?

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither OceanFirst Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

1 Mobile network carrier fees may apply.
2 Must have a bank account in the U.S. to use Zelle®.
3 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
4 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
5 Zelle® is not accessible during the first 17 days after Digital Banking access is granted.

Copyright © 2022 . All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


Opening Accounts Online

How do I open a deposit account online?

If you are already a Digital Banking user, log in and select “Open Account” in the Additional Services menu. If you are not a Digital Banking user or you do not yet have any accounts with OceanFirst, go here

What kind of deposit accounts am I able to open online?

Currently, you are able to open Personal checking and savings accounts. You can see the list here. If you would like to open up any other kinds of accounts or ones for a Business, please call or visit a branch.  

How long does the opening process take?

It takes about 10 minutes from start to finish. 

What requirements are there to open an account online?

You will need to be a US citizen or permanent resident, at least one owner that is 18 years of age or older. You may also need to provide a photo identification document such as a driver’s license.

How can I fund my account online?

You have the ability to fund with a credit or debit card, directly from an account at another bank, or you can choose to open now and make a deposit at a branch, ATM, or via our app within 30 days. If you are an existing Digital Banking user, you can also transfer funds from another OceanFirst account.

What if I start the application, but I cannot complete it in one session?

That’s ok! You have 10 days to complete it.

Do I need to sign up for Digital Banking, request a debit card, or order checks separately after I open the account online?

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.


Estatements

How do I enroll in eStatements?

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. 

How do I make sure any accounts I open are enrolled in eStatements?

When you sign up for eStatements, all of your eligible accounts are included. That means that any eligible, new accounts that you open will automatically also be included in eStatements.

How much will I be charged if I do not enroll in eStatements?

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.

What kind of accounts are eligible for eStatements?

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

How much eStatement history do I have?

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

Can I print or save my eStatements?

Yes. You can print or save to your device.


Card Control

What is Card Control?

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!

Who is eligible to use Card Control?

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

I used the previous version of Card Control to manage my cards. Do those settings carryover into this new version of Card Control?

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

How do I access Card Control?

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

Do I need to download a new app to use Card Control?

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.

Is Card Control free?

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.

Will I also be able to manage my OceanFirst credit card?

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

Can I add a debit card from another bank?

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

Can I add an additional OceanFirst debit card?

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.

What happens if the same debit card appears in multiple Card Control profiles?

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.

Can I delete a card?

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

How do I add my debit card to my mobile wallet, such as Apple Pay or Google Pay?

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.

What are “Controls & Alerts”?

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
How does turning the card ON/OFF work?

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.

When I turn off my card, does that stop all transactions from going through?

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.

How do Spend Limits work?

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.

For Spend Limits, I am able to enter an amount that is higher than my card’s daily limit. Does that mean I can spend up to this amount daily?

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.

How do Alerts work?

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.

What is a Digital 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.

How do I enable email, SMS, or push messages, and can I customize which type is on for a specific Alert?

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.

How come some of my notifications show my transactions as “Pending,” and others show them as “Posted”?

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.

Why am I getting Alerts that show charges of “$-0.00”?

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.

What does “View Digital Card” do?

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.

What are “Spend Insights”?

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

How does “Card on File” work?

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!

How does “Manage Travel Plans” work?

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.

What does “Set PIN” do?

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!

How come I am being asked to “Enable Transaction Enrichment”?

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.

Why am I not able to add or edit my email address or phone number?

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.

What if I don’t see a card that I believe I should?

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.

What if I see a card that I do not recognize?

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.

Who do I call if I have a question about Card Control?

You may call our Customer Care Center at 888.623.2698.


Bank Services

How do I request a new PIN for my debit card or reset my PIN?

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.

What is the OceanFirst Bank routing number?

231270353

How do I open an account?

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.

How do I close my accounts?

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

How do I update my contact information such as my email or phone number?

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"
Can I add a signer to my account?

Yes, please visit your local OceanFirst Branch.

How do I change my name due to marriage or divorce?

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.

How do I set up direct deposit of my paycheck?

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)
How do I switch all my direct deposits to my OceanFirst account?

Making the switch is easy! Use our Switch Kit.

How can I get copies of statements that are not available online?

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.

How do I order checks? Is there a cost?

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.

Does OceanFirst Bank offer a person-to-person payments (P2P) service?

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.

Does OceanFirst Bank offer notary public services?

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.

How can I rent a safe deposit box?

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.

Will I be charged a fee if I use my OceanFirst Bank Visa debit card at a non-OceanFirst ATM in the U.S. or abroad?

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).

How do I notify OceanFirst that I will be traveling with my debit card?

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.


Trust & Asset Management

What is Trust and Asset Management?

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.

What trust services does OceanFirst offer?

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
What is a fiduciary?

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.

What types of fiduciary services does OceanFirst provide?

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

What estate services does OceanFirst offer?

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.

Why would I need an estate plan?

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.

Who is Addison Capital?

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.


Loans

How can I view my loan online?

For Mortgage and Home Equity loans sign up for Digital Banking to view your mortgage online.

For Commercial and Personal loans sign up for Digital Banking. Please note, commercial and personal loan customers are currently unable to sign up for eStatements.

How can I view my loan statements online?

For Mortgage and Home Equity loans, borrowers can log in to their Digital Banking to view your mortgage online and retrieve statements.

For Commercial and Personal loans, OceanFirst Bank online customers can view a version of their billing statement online.  A completely rendered version is mailed to you monthly.

Where can I see current mortgage rates?

Rates can be found here.

How can I obtain a copy of my 1098?

All end of year statements is mailed to borrowers before January 31st. 

For Mortgage and Home Equity loan customers, if you haven’t received your copy, please sign in to Digital Banking to view your mortgage online and retrieve your 1098 or contact our Mortgage Servicing Department at 1-855-439-6531.

For Commercial or Personal loan customers, if you haven’t received your copy in a timely manner, please contact the Customer Care Center at 1-888-623-2698 or email commercialloanservicing@oceanfirst.com

Note: If interest paid is less than $600.00, a 1098 Mortgage interest statement is not produced.


Loan Payments

How do I make a loan payment?

For Mortgage and Home Equity loans customers there are several ways to make your loan payment. You can:

  • Sign into digital banking to view your mortgage online for options to make your loan payment or refer to your billing statement.
  • Make a payment at one of our conveniently located branches

For Commercial and Personal loans customers there are several ways to make your loan payment. You can:

Make a one-time online payment from any domestic bank checking or savings account quickly through the online payment portal. Note, you will need to add your account information each time you make a payment.

Sign up for Digital Banking and pay your OceanFirst loan right from the Mobile App or Online Banking.

Use an OceanFirst checking or savings account to transfer directly from your deposit account to pay your loan.

Sign up for LoanPay, an auto debit system using your external checking or savings account through Digital Banking. Note, your external banking account information is stored for one-time or recurring payments. 

  • Select Pay & Transfer
  • Select Pay Loans

For Commercial or Personal loan customers make your payment via phone for a nominal fee of $20.00, please call 1-800-623-2698.

Make a payment at one of our conveniently located branches

To remit your loan payment via wire, please include the following:

ABA 231270353
Payment Dept GL Account # 2851506350
Reference loan # and Account Name

To make your Commercial or Personal loan payments by mail, please see addresses below:

OceanFirst Bank
PO Box 71011
Philadelphia, PA 19176-1011
or OceanFirst Bank
Payment Processing
975 Hooper Avenue
Toms River, NJ 08753
How do I stop payment on a Home Equity Line of Credit (HELOC) check?

Contact our mortgage servicing department at 1-855-439-6531.

Grace Period and Late Fees

Your grace period is a specified period after the due date in which a payment can be made without incurring late fees. 

  • The number of days is outlined in your Note. 
  • The billing statement has the due date, and the amount of the late fee if the payment is made after the grace period. 
OceanFirst Bank offers various grace periods before assessing a late fee. Please review your Note.

All end of year statements is mailed to borrowers before January 31st. 

For Mortgage and Home Equity loan customers, if you haven’t received your copy, please sign in to Digital Banking to view your mortgage online and retrieve your 1098 or contact our Mortgage Servicing Department at 1-855-439-6531.

For Commercial or Personal loan customers, if you haven’t received your copy in a timely manner, please contact the Customer Care Center at 1-888-623-2698 or email commercialloanservicing@oceanfirst.com

Note: If interest paid is less than $600.00, a 1098 Mortgage interest statement is not produced.


Loan Payoffs

What is a loan payoff?

A payoff is the total amount owed that a borrower must pay to completely satisfy and close their mortgage loan. It includes the remaining principal balance of the loan as well as the accrued interest and any outstanding fees to the effective date of the payoff. 

How can I request a payoff?

For Mortgage and Home Equity loan customers, please sign into your Digital Banking to view your mortgage online and generate a payoff quote.

Personal and Commercial Loan Payoffs

For Personal loan customers, you can request a payoff quote via phone 1-888-623-2698 or visiting a local branch. A verbal quote will be provided over the phone and mailed to the address on record or emailed to the branch.

For Commercial loan customers, you can request a payoff quote in writing to payoffs@oceanfirst.com. Payment options will be provided on your quote, or you may visit a local branch.

If a borrower requests to send the payoff quote to a third party, a request in writing, payoffs@oceanfirst.com is required with a signature. Please provide an email address or fax number for the third party.

A third party must submit the request in writing via email, payoffs@oceanfirst.com or fax to 732-240-3153. Please include the borrower’s name, account number, good through date, and borrower’s authorization.

How can I receive proof my loan paid in full?

For Mortgage and Home Equity loan customers, please contact our Mortgage Servicing Department at 1-855-439-6531.

For Commercial or Personal loan customers, a paid and closed letter can be mailed, emailed, or faxed to the borrower. Please request the letter via email at payoffs@oceanfirst.com.

What is a cancel fee?

Cancel fees are charged by the counties in which your property resides. Borrowers have the option to pay the fee at payoff or to the county directly.

Note: The lien on the mortgage is not cancelled until the county has discharged the mortgage.  

How long should it take to receive my cancel Note and discharged Mortgage?

After paying your loan in full, it typically takes 6 – 8 weeks before receiving your cancelled and discharged documents.

What if I don’t receive my documents after paying my mortgage in full?

For Mortgage and Home Equity loan customers, please contact our Mortgage Servicing Department at 1-855-439-6531.

For Commercial or Personal loan customers, please contact payoffs@oceanfirst.com for an updated status. Note: Access to land records is available on most NJ county websites where your property is located. There can be a backlog in the county and may take longer to process your documents.


Types of Mortgage Loans and Defintions

Fixed-Rate Conventional

A fixed-rate conventional mortgage refers to a type of home loan in which the interest rate remains constantly fixed throughout the entire duration of the loan. This means the interest rate you initially agree upon with the lender will stay the same, regardless of any fluctuations in the broader interest rate market. 

Key characteristics of fixed rate mortgages:

  1. Stable Monthly Payments: Your monthly principal and interest payments amounts remain unchanged over the life of the loan. 
  2. Protection from Interest Rate Increases: It shields you from rising interest rates. 
  3. Longer Loan Terms: Fixed-rate mortgages often come with longer repayment terms, typically ranging from 15 to 30 years. 



Adjustable Rate

An adjustable-rate mortgage (ARM) refers to a type of home loan with a variable rate. With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied on the outstanding balance resets periodically. The interest rate for an ARM is typically tied to performances of a specific benchmark (e.g., US Treasury Rate, Secured Overnight Financing Rate. As the index rate changes, the interest rate on the ARM adjusts accordingly. 

Key features of adjustable-rate mortgages:

  1. Initial Fixed-Rate Period: ARMs often start with an initial fixed-rate period, typically ranging from one to ten years. During this period the interest rate remains fixed.
  2. Interest Rate Adjustments: After the initial fixed rate period, the interest rate on an ARM can adjust periodically. The adjustments frequency varies, but common intervals include annually, semi-annually, or monthly. When the adjustment occurs the interest rate is recalculated based on the current index rate, along with a predetermined margin or spread set by the lender.
  3. Index and Margin: The interest rate is based on the performance of a specific financial index. The lender adds a margin to the index rate to determine the new interest rate. For example, if the index rate is 3% and the margin is 2%, the new interest rate would be 5%.
  4. Rate Caps and Limits: To protect borrowers from dramatic interest rate fluctuations, ARMs typically have rate caps. Rate caps set limits on how much the interest rate can increase or decrease during a specific time or over the life of the loan. 
  5. Potential for Rate Increases and Decreases: ARMS exposes borrowers to potential interest rate changes. If market interest rates rise, the interest rate on the ARM will increase, resulting in higher monthly payments. Conversely, if rates decrease, the interest rate and monthly payments may go down as well. 
Bi-weekly Loans

Biweekly loans are a type of loan repayment schedule where the borrower makes payments every two weeks instead of the traditional monthly payments. This results in 26 half-payments in a year, which is equivalent to 13 full monthly payments. This accelerated payment schedule can help borrowers pay off their loans faster and save on interest compared to monthly payments.

Construction & Construction Permanent

A construction loan refers to a short-term financing option specifically designed to fund the construction or renovation of a property. It is a specialized type of loan that provides funds in stages or “draws” as the construction progresses, rather than disbursing the full loan amount upfront. It is a two-phase loan that combines the construction phase and the permanent mortgage into a single loan package. 

Key benefits of Construction & Construction Permanent

  1. The total approved loan amount is not usually given to the borrower right away, in one lump sum. The construction loan operates like a line of credit from which a borrower can access funds (draw period) as needed at various stages of the construction project. 
  2. Easier to qualify.
  3. Less closing costs
  4. Interest-Only payments during construction draw period
  5. Flexible terms
Home Equity

A home equity loan, also known as a second mortgage, is a type of loan that allows homeowners to borrow money against the equity they have built up in their property. Equity is the difference between the current market value of the home and the outstanding balance on the mortgage or any other liens on the property. 

Home Equity loans typically provide borrowers with a lump sum of money that can be used for various purposes. The loan amount is based on the value and the amount of equity in the property.  

Key features of home equity

  1. Loan is secured by the property.
  2. Home equity loans generally have fixed interest rates and fixed repayment terms.
  3. The interest on these loans is often tax-deductible (scenario based).
Home Equity Line of Credit

A home equity line of credit (HELOC) is a revolving line of credit that allows homeowners to borrow money against the equity they have in their property. A HELOC provides borrowers with a predetermined credit limit that they can access as needed within a specified period, known as a draw period. Equity is the difference between the current market value of the home and the outstanding balance on the mortgage or any other liens on the property.

With a HELOC, homeowners can tap into this equity to finance various expenses. Unlike a home equity loan, which provides a lump sum, HELOC offers more flexibility. Browsers can withdraw funds as needed during the draw period, which typically lasts around 5 to 10 years.

HELOCs often have variable interest rates, meaning the interest rate fluctuates over time based on market conditions. The interest is typically calculated based on a benchmark rate, such as the prime rate, determined by the lender.

After the draw period, the HELOC enters the repayment period, which is usually around 10 to 20 years. During this phase, borrowers can no longer withdraw funds and must begin repaying the outstanding balance.

Commercial Loans/Small Business Loans

Commercial loans are financial instruments provided by financial institutions. These loans are specifically designed to meet the funding needs of commercial enterprises and are distinct from consumer loans that are intended for personal or household use.

Commercial loans typically involve larger loan amounts and longer repayment terms compared to consumer loans. They are used by businesses to finance capital expenditures, expand operations, invest in new projects, manage cash flow, acquire assets or equipment, refinance existing debt, or meet other business-related expenses.


Mortgage & Home Equity Transfer Information

Is OceanFirst Bank selling my loan?

No, OceanFirst is not selling your loan. We are working with a new subservicer that will create a better customer experience for you to view and manage your loan. 

Why is my loan being transferred?

The transfer is part of our ongoing efforts to improve the efficiency and quality of our services. The new servicing department specializes in handling loans like yours and offers enhanced services and support.

Some of the benefits you can expect with the new servicer:

  • Offers multiple channels for support, including phone, email, and online chat
  • Access to a more user-friendly online portal where you can easily view your loan details, make payments, and download statements (1098, escrow analysis, and mortgage statements).
  • Upload insurance policies to the website.
  • Website educational videos and FAQs under the “Help” tab.
  • A 24-hour, toll free voice response system that provides 30 different types of mortgage loan information, including next payment due date and amount, payment history, interest paid, and principal balance. Also make a payment and request a payoff.
  • Handle all matters related to your loan including payments, customer service, and account management.
Can I make the payment at the branch?

Yes, you can still make your loan payment at any of our branches.

I have my payment set up through Loan Pay/online banking. Will I need to set it up again with the new servicer?

Yes, you will need to set up automatic payments with the new servicer. 

I have auto debit set up; will I need to set it up with the new servicer?

No, if you have already completed the Authorization for Preauthorization Payments (APP) form that was either mailed or sent via DocuSign and returned it to us, nothing further is needed. If you need to complete the form, find it here.

Will the transference of my loan affect my credit report?

No, it will only reflect the loan being transferred to a new servicer.

Do I need to mail my payment to a different address?

Yes, the address is provided on the remittance section of the monthly billing statement.

Will my taxes and insurance from my escrow account be paid by the new servicer?

Yes, the new servicer will take over all responsibilities related to your escrow account, ensuring that payments for taxes and insurance are made on time.

Will I be able to use the transfer functionality for my loan payment from my OceanFirst checking/savings account?

The transfer functionality will be available until August 2, 2024; however, after that date you can call our servicing department at 1-855-439-6531 for details on how to make payments using the new online banking options.

Do I need to notify my homeowners insurance and/or flood insurance company about this change?

No, OceanFirst Bank will notify your insurance carrier. If for some reason the mortgagee/loan loss payee clause update does not occur, you can contact your insurance company and provide the information listed below:

OceanFirst Bank
Its Successors and/or Assigns
PO Box 961292
Fort Worth, TX 76161-0292

Where do I send my updated insurance policy?

OceanFirst Bank
PO Box 961292
Fort Worth, TX 76161-0292

Do I need to notify my municipality/township's tax office about this change?

No, OceanFirst Bank will notify the tax authority.

Will my loan number change?

Yes, you will receive a new loan number. Your new loan number is referenced on the Notice of Transfer and will be reflected in monthly billing statement after 8/3/2024.

Will I be able to continue transferring money from my Line of Credit to my deposit accounts? If not, what are my options?

No, you will not be able to use the transfer option in the current online banking. The new online banking will provide the same advance request capabilities.

Do I still have a grace period to make my loan payment?

Yes, you will have a grace period and terms of your loan will remain unchanged.

Do I need to change the payee name for loan payments?

No, all payments will be made payable to OceanFirst Bank.

I never updated the loan payment address on my last payment; will my payments be forwarded to the new address?

Yes, your payment will be forwarded to the new servicing department for 60 days. After that period, any payments will be returned to you.

How can I access my loan after August 2, 2024?

As stated in the transfer of servicing notice dated 7/19/2024, there will be a blackout period until 8/9/2024. You can use our digital banking platform to access your loan after the blackout period. If you not already a digital banking customer, please sign up here.

What if I overlooked the recent letter from OceanFirst Bank that included the new loan number and sent in my payment referring to my old loan number?

If you send your payment with your old loan number, it will be cross-referenced with your name and posted to your account.

I still have questions. Who do I call?

A team of customer service representatives specially trained to handle your Residential and Home Equity, HELOC servicing needs. Effective August 3, 2024, your new loan servicing phone number is 1-855-439-6531, from 8AM - 5PM E.T., Monday through Friday. Until that date, OceanFirst Bank representatives will be able to address your questions or requests for additional information through August 2, 2024, and can be contacted at 1-888-623-2698.


Escrow

What is an escrow account?

An escrow account is a special account set up by the lender to hold funds used to pay the required insurance and/or taxes on your property. If your loan is escrowed, a portion of your payment goes into your escrow account every month. Your escrow balance cannot be used to pay amounts owed, such as principal and interest payments or fees.

Note: If your loan was transferred to us, and you had an escrow account with your previous servicer, your escrow account will transfer as well. 



What is a cushion and why does OceanFirst Bank hold a cushion in my escrow account?

An escrow cushion is extra money lenders may require borrowers to include in their monthly mortgage payments. It is a safety net to cover potential increases in property taxes or homeowner insurance premiums. If these costs rise and as a precautionary measure, escrow cushions help to ensure there are sufficient funds to prevent shortages.

What if I don’t have an escrow account but prefer one?

Mortgage or Home Equity loan customers call 1-855-439-6531 and the mortgage servicing team will set up escrow services for you. 

Commercial loan customers can reach out to an OceanFirst Commercial Relationship Manager or email a request to commercialloanservicing@oceanfirst.com.

What if I have an escrow account and want to pay my own taxes and insurance?

If you have a Mortgage or Home Equity loan and want to remove your escrow account, please contact our mortgage servicing department at 1-855-439-6531.

Note: Flood insurance must be escrowed by the lender.

For a Commercial or Business loan, a Relationship Manager must provide consent to remove escrow from the account. 

What is an escrow analysis?

An escrow analysis is conducted by the lender to ensure funds in escrow accounts are sufficient to cover the upcoming expenses for property taxes, homeowners’ insurance, and other related costs. The analysis calculates how much money needs to be collected and held in an escrow account to pay these expenses on behalf of the borrower. 

Typically, the analysis is held annually, but it can occur when there are significant changes in property taxes (i.e., Added assessments) or insurance premiums. If the account reflects a shortage in the escrow account, the borrower is required to make additional payments to cover the shortfall. Typically, the shortage is divided by 12 resulting in an increased payment. If there is an overage, a refund is issued for amounts over $50.00. If the refund is under $50.00, the escrow account is reduced by 1/12 of the refund. 

The borrower can request in writing to pay the shortage in one lump sum. Once the payment has been processed the escrow payment is adjusted but may not revert to the original amount.  

How can I review my escrow analysis online?

For Mortgage and Home Equity loan customers, please sign into your Digital Banking to view your mortgage online and retrieve a copy of your escrow analysis. Annual escrow disclosure is also mailed to the address on record annually.

OceanFirst Bank does not currently offer electronic escrow analysis disclosures through Digital banking for Commercial loan customers. An annual escrow disclosure is mailed to the address on record annually.

What causes an escrow shortage?

An escrow shortage occurs when the funds in your escrow account are insufficient to cover the required payments for property taxes and homeowner’s insurance, or other related expenses related to your property. Several factors can cause an escrow shortage:

  • Property taxes increase – May not have collected enough funds for a property tax increase to cover a higher tax bill. 
  • Insurance increases – May not have collected enough funds for homeowner insurance to cover new increased premium. 
  • Unforeseen costs – Unexpected expenses related to your property, such as added assessments or additional insurance requirements. 

Loss Mitigation

What is Loss Mitigation?

Loss mitigation is a process where borrowers and mortgage servicers work together to find alternative solutions to cure default or avoid foreclosure.

Loss Mitigation options may include but are not limited to:

  • Loan modifications
  • Repayment plans
  • Short sales
  • Forbearance Agreements
  • Deed-in-lieu of Foreclosure



How can I get assistance if I cannot pay my mortgage?

Please contact our mortgage servicing department at 1-855-439-6531.

Monday-Friday 8:00 am CST – 5:00 pm ET.