Find an updated list of OceanFirst Bank bonuses, promotions, and offers here.
Update 8/18/25: Currently, OceanFirst Bank is offering a $300 bonus when you open a new qualifying checking account good through 9/26/25.
OceanFirst Bank Bonuses Review
Established in 1902 and headquartered in Toms River, New Jersey, OceanFirst Bank has around 61 branches all in the state of New Jersey and boasts an A health rating. OceanFirst Foundation provides grants that help families, organizations, schools and communities.
I’ll go over all Ocean First Bank bonuses & offers below.
OceanFirst Bank $300 Checking Bonus
OceanFirst Bank is offering a $300 bonus when you open qualifying checking account and meet the requirements.
- What you’ll get: $300 Bonus
- Eligible account: Checking
- Credit inquiry: Soft Pull
- Where it’s available: MA, MD, NJ, NY, PA (Bank Locator)
- How to earn it:
- Open a new FreeStyle+ Checking account
- New Personal FreeStyle+ Checking Account requires $25 to open and has no monthly minimum balance requirement.
- The account must be opened with funds not currently on deposit at OceanFirst Bank and at least two cycles of an electronic direct deposit of $500+ has posted to the account.
- Bonus will be paid on the first business day after your 90-day account opening anniversary.
(Offer expires 09/26/2025)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($500 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- Promotion runs from 07/25/25 through 09/26/25.
- Offer subject to change at any time.
- Offer only available for new customers of the bank who open an interest-bearing FreeStyle+ Checking account.
- Bonus limited to one per customer & offer is not transferable.
- Promo code will be automatically applied online or offer must be presented in branch at time of account opening.
- New Personal FreeStyle+ Checking Account requires $25 to open and has no monthly minimum balance requirement.
- The annual percentage yield for FreeStyle+ Checking balances of $5,000+ is 0.05% and eligibility for the $300 bonus requires all the following conditions are met: the account must be opened with funds not currently on deposit at OceanFirst Bank and at least two cycles of an electronic direct deposit of $500+ has posted to the account.
- Bonus will be paid on the first business day after your 90-day account opening anniversary.
- All cash bonuses are taxable. All annual percentage yields (APYs) on interest bearing accounts subject to change.
- Fees may reduce earnings.
- For joint accounts, promo limited to one per account.
- Non-Interest-bearing FreeStyle Checking accounts excluded.
- Business accounts do not apply.
- Employees of OceanFirst Bank N.A. excluded from this special offer.
How To Waive Monthly Fee
- FreeStyle Checking: No monthly fee
- FreeStyle Checking (without interest): : $12.95 per month, if a direct deposit is posted to the account during the monthly statement cycle, the account will receive a $5 credit back
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Conclusion
OceanFirst Bank is offering a generous bonus. This promotion offers several options for your personalized banking experience as well as an attractive bonus. While it has many benefits make sure to read the fine print as their are some extra requirements to complete. In addition I can only recommend this promotion if it triggers a soft pull.
Feel free to leave a comment below if you want to leave you info for the referral bonus. Remember both parties receive the $100 bonus. Your feedback is highly appreciated and makes our site even better!
OceanFirst Bank has decent rates for CDs and Savings, but always check out our best rates for Savings, Money Market, and CD accounts from the links below.
If you’re not local to any of the states above, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
Check back often for more OceanFirst Bank Bonuses, Promotions, or Offers!
