OceanFirst Bank

Overview / Commentary
975 Hooper Avenue
Toms River, NJ 08753

OceanFirst Bank is headquartered in Toms River and is the 4th largest bank in the state of New Jersey. It is also the 160th largest bank in the nation. It was established in 1902 and as of June of 2019, it had grown to 874 employees at 61 locations. OceanFirst Bank has an A+ health rating.

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Reviews (3)

Not Ocean First But Fee First

Posted by: CreccaJ | Dec 31, 2016

They are a rip off. They will fee you to death. BEWARE

Beware! You Cannot Access Your Own Money!

I have been using this bank for many years. I have numerous accounts there including my business account. Most recently, I have been receiving many automated messages from the bank stating they put a hold on my debit card due to unusual activity. Once you go thru the prompts to confirm the transactions were valid, the hold is released. However, the bank never releases the hold! I had over 10,000 in my account. I tried to order xmas gifts and the card repeatedly was declined due to "unusual activity". I tried to use my business card while away on businesz, again, same thing. I contacted the bank repeatedly only to be told they apologize and will correct it. Well now I just had several online transactions declined. Still the same issue. It isn't fun when you cannit access your own money. Also, every week I write a check to cash from one ocean first acct to deposit to another. No matter which branch I go to, they put a hold on the check when their are more than sufficient funds to cover it. The tellers don't bother looking to see that it is a check from that branch and it is not supposed to be held. So again, EVERY week, I have to call them up and I get the same apology. This has also caused them to assess insufficient funds fees to my account which warranted calls two weeks in a row. Again, they are sorry for my inconvenience. How about they train the tellers to do their job properly. And I had to stay on top of them to reverse the fees. They promised to do it, but took two days to. They rip you off at every turn. As someone else stated, watch your account closely. They try and impose charges that are incorrect and I have to take time out to call them constantly. So now, here it is xmas week and I am again waiting to call them over a hold placed on my account with every thing I ordered online not processed! They are horrible. Do yourself a favor and find another bank! I will be closing all
Of my accounts right after xmas!

HORRIBLE BANK, They Rip You Off Any Way They Can!!!

Posted by: Anonymous | Feb 27, 2012

This bank is not organized whatsoever, I have had so many problems with them taking out payments first then depositing my money and taking hundreds from me in fees. If you use this bank you need to watch your account very closely!!!


Health Grade Components

FDIC Certificate #28359
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD7.26%
Annual Interest Income$155.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$8.03B$7.75B
LoansQ2 2019vs Q2 2018$5.94B$5.55B
DepositsQ2 2019vs Q2 2018$6.22B$5.85B
Equity CapitalQ2 2019vs Q2 2018$1.20B$1.07B
Loan Loss AllowanceQ2 2019vs Q2 2018$16.1MM$16.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$31.2MM$31.1MM
Real Estate OwnedQ2 2019vs Q2 2018$865.00K$7.9MM
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Always verify rates and promotions with the bank or credit union. We are not OceanFirst Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OceanFirst Bank Savings Account Rates

0.03%--Statement Savings
0.03%--KidSaveSmart Account
0.03%--SaveFirst Account
0.03%--RewardsFirst Savings
0.03%--Business Statement Savings

OceanFirst Bank Money Market Rates

0.05%*$50k*-Business Money Market
OTHER TIERS: 0.03% Up to $50k
0.05%*$50k*-Money Power Investment Account
OTHER TIERS: 0.03% Up to $50k

OceanFirst Bank Checking Account Rates

0.25%--AmiGo by OceanFirst
0.05%*$25k*-Simply Great Checking
OTHER TIERS: 0.01% $2.5k - $25k
0.05%*$25k*-RewardsFirst Checking
OTHER TIERS: 0.01% $2.5k - $25k
0.01%--Business Interest Checking

OceanFirst Bank CD Rates

2.00%$500-7 Month CD
1.25%$500-7 Year CD
1.25%$500-16 Month CD
1.25%$500-35 Month CD
1.00%$500-6 Year CD
0.75%$500-5 Year CD
0.50%$500-4 Year CD
0.45%$500-3 Year CD
0.40%$500-2 Year CD
0.35%$500-18 Month CD
0.30%$500-15 Month CD
0.25%$500-1 Year CD
0.20%$500-9 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

OceanFirst Bank IRA Rates

2.00%$500-7 Month IRA
1.25%$500-16 Month IRA
1.25%$500-35 Month IRA
1.25%$500-7 Year IRA
1.00%$500-6 Year IRA
0.75%$500-5 Year IRA
0.50%$500-4 Year IRA
0.45%$500-3 Year IRA
0.40%$500-2 Year IRA
0.35%$500-18 Month IRA
0.25%$500-1 Year IRA
0.10%$500-3 Month IRA


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