OceanFirst Bank Promotions: $300, $500 Checking Bonuses (NJ, NY, PA)

Here you can find the most recent Ocean First Bank promotions, bonuses, and offers.

Update 10/21/25: The $300 or $500 checking bonus when you open a new qualifying checking account has been extended through 12/5/25.

Ocean First Bank Promotions Review

Since 1902, Ocean First Bank has been helping put families in their dream homes, financing education for our future leaders and striving to be a respected corporate citizen. They’ve built a solid reputation and legacy as a good neighbor and responsible corporate citizen.

I’ll go over Ocean First Bank offers below.

Ocean First Bank $500 Checking Bonus

• What you’ll get: $500 bonus
• Where it’s available: NJ, NY, PA (Bank Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Soft Pull
• Monthly Fees: None
• Early Account Termination Fee: Bonus is forfeit if closed within one year
• 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
  • At least two qualifying electronic direct deposits totaling $1,000 has posted to the account within 90 days of account opening.
  • Bonus will be paid on the first business day after your 90-day account opening anniversary.

(Expires 12/05/2025)

Fine Print

• Promotion runs from 10/07/2025 through 12/5/2025.
• 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 & one per household.
• 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 $500 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 qualifying electronic direct deposits totaling $1,000 has posted to the account within 90 days of account opening.
• Qualifying direct deposits must be a minimum of $5 and come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new checking account by your employer or outside agency via ACH.
• 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 bonus 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.
• ID verification required and primary residence must be in proximity to an OceanFirst Bank branch.

Ocean First Bank $300 Checking Bonus

• What you’ll get: $300 bonus
• Where it’s available: NJ, NY, PA (Bank Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Soft Pull
• Monthly Fees: None
• Early Account Termination Fee: Bonus is forfeit if closed within one year
• 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
  • At least two qualifying electronic direct deposits totaling $1,000 has posted to the account within 90 days of account opening.
  • Bonus will be paid on the first business day after your 90-day account opening anniversary.

(Expires 12/05/2025)

Fine Print

• Promotion runs from 10/07/2025 through 12/5/2025.
• 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 & one per household.
• 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 qualifying electronic direct deposits totaling $1,000 has posted to the account within 90 days of account opening.
• Qualifying direct deposits must be a minimum of $5 and come from the following sources: salary, pension, Social Security or other regular monthly income deposited to your new checking account by your employer or outside agency via ACH.
• 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 bonus 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.
• ID verification required and primary residence must be in proximity to an OceanFirst Bank branch.

How to Avoid Monthly Fees

• FreeStyle Checking: Minimum daily balance is waived for one year from account opening. After that, a minimum daily balance of $5,000 required to waive $7.95 monthly service fee.

Bottom Line

These are all the current Ocean First Bank promotions! Furthermore, if you are interested in this credit union this could be an opportunity for you. However, if you are just looking for nice sign up bonuses, there are better promotions out there.

For more current offers, check out our bank bonuses page. Compare Ocean First Bank rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.