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personal business banking solutions oceanfirst bank skip to content locations promotions investor relations contact us open search login online banking username password forgot password sign up protect yourself against fraud other account options treasury management trust credit card nest egg loan payment ocean first bank online banking username password forgot password sign up protect yourself against fraud other account options treasury management trust credit card nest egg loan payment toggle menu search submit search personal toggle children for personal main menu press to return personal checking savings cds borrowing investing business toggle children for business main menu press to return business small business toggle children for small business business press to return small business small business banking small business lending managing your business commercial toggle children for commercial business press to return commercial commercial banking commercial lending premier banking treasury management toggle children for treasury management business press to return treasury management funds management risk management information management digital banking competitive cd and money market rates view current business promotions learning center toggle children for learning center main menu press to return learning center newsroom blog security protection financial education about us toggle children for about us main menu press to return about us banking with oceanfirst bank the oceanfirst difference careers corporate sponsorship open account apply for loan routing 231270353 nmls 409701 fdic insured backed by the full faith and credit of the u s government you will now be linking to another website 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 ok return to oceanfirst bank website access better banking your financial needs in focus achieve your financial goals with comprehensive personalized banking solutions available in your community from oceanfirst connect with us communityfirst program make a big difference support a participating nonprofit s fundraising goals with oceanfirst bank s comm unity first program link a new or existing eligible oceanfirst account to a participating nonprofit and they ll receive a quarterly donation from oceanfirst learn more start run grow small business banking oceanfirst small business banking provides great services flexible loan terms quick application processes fast access to funds and transparent pricing see why oceanfirst is the small business banking choice for so many companies learn more current offers opportunities just for you boost your finances with our latest promotions 4 month cd limited time offer 5 000 1 000 000 3 85 rate 3 92 apy new money required ira eligible annual percentage yield open account now annual percentage yield apy shown is accurate as of 12 31 2025 this is a limited time offer and may be discontinued without prior notice offer good for the initial term only cd is automatically renewed for a 3 month term the renewal rate is determined based on the published rate for the cd excluding cd specials advertised rate and apy are offered at the bank s discretion and may change daily actual earnings may vary 5 000 minimum and 1 000 000 maximum cd funding amount is required with funds not currently on deposit at oceanfirst bank fees may reduce earnings a penalty may be imposed for early withdrawal ira eligible additional restrictions may apply 6 month cd limited time offer 5 000 250 000 3 78 rate 3 85 apy new money required ira eligible annual percentage yield open account now annual percentage yield apy shown is accurate as of 3 9 2026 this is a limited time offer and may be discontinued without prior notice offer good for the initial term only cd is automatically renewed for a 6 month term the renewal rate is determined based on the published rate for the cd excluding cd specials advertised rate and apy are offered at the bank s discretion and may change daily actual earnings may vary 5 000 minimum and 250 000 maximum cd funding amount is required with funds not currently on deposit at oceanfirst bank fees may reduce earnings a penalty may be imposed for early withdrawal ira eligible additional restrictions may apply 11 month cd limited time offer 5 000 250 000 3 66 rate 3 72 apy new money required ira eligible annual percentage yield open account now annual percentage yield apy shown is accurate as of 3 9 2026 this is a limited time offer and may be discontinued without prior notice offer good for the initial term only cd is automatically renewed for a 12 month term the renewal rate is determined based on the published rate for the cd excluding cd specials advertised rate and apy are offered at the bank s discretion and may change daily actual earnings may vary 5 000 minimum and 250 000 maximum cd funding amount is required with funds not currently on deposit at oceanfirst bank fees may reduce earnings a penalty may be imposed for early withdrawal ira eligible additional restrictions may apply 18 month cd limited time offer 5 000 250 000 3 54 rate 3 60 apy new money required ira eligible annual percentage yield open account now annual percentage yield apy shown is accurate as of 3 11 2026 this is a limited time offer and may be discontinued without prior notice offer good for the initial term only cd is automatically renewed for an 18 month term the renewal rate is determined based on the published rate for the cd excluding cd specials advertised rate and apy are offered at the bank s discretion and may change daily actual earnings may vary 5 000 minimum and 250 000 maximum cd funding amount is required with funds not currently on deposit at oceanfirst bank fees may reduce earnings a penalty may be imposed for early withdrawal additional restrictions may apply firstwave money market no commitments withdraw anytime the more you deposit the higher your rate 10 000 minimum to receive promotional rates new money only available for consumer business to open a business account visit your local branch or reach out to commercial lender 0 9 999 99 0 05 rate 0 05 apy 10 000 99 999 99 1 24 rate 1 25 apy 100 000 249 999 99 1 98 rate 2 00 apy 250 000 499 999 99 2 23 rate 2 25 apy 500 000 or more 2 47 rate 2 50 apy annual percentage yield open account now annual percentage yield apy shown is accurate as of 12 15 2025 this is a limited time offer and may be discontinued without prior notice offer good for the initial term only cd is automatically renewed for a 3 month term the renewal rate is determined based on the published rate for the cd excluding cd specials advertised rate and apy are offered at the bank s discretion and may change daily actual earnings may vary 5 000 minimum and 1 000 000 maximum cd funding amount is required with funds not currently on deposit at oceanfirst bank fees may reduce earnings a penalty may be imposed for early withdrawal ira eligible additional restrictions may apply view all promotions personal banking opportunities abound your financial ambitions are a fundamental part of life designed with that in mind personal banking solutions from oceanfirst offer flexible credit options and convenient digital services that work to better align with your goals choose from a variety of personal banking services flexible checking savings and cd options that grow with you personal credit solutions with rewarding features convenient digital banking tools like tap to pay bill pay and zelle comprehensive personal lending services for home and personal projects learn more about personal banking small business banking growth unlocked your small business is more than just a venture it s your passion and dream make managing it easier with personalized mobile friendly small banking services that evolve with you put success first with services like quick access to tailored checking money market and savings accounts flexible term and loan options for growth and expansion mobile and digital banking tools to simplify financial management learn more about small business banking commercial banking treasury management finances optimized handling your finances shouldn t be complex and time consuming with client first commercial banking solutions you can streamline your financial operations making money management and growth stress free take advantage of comprehensive services such as commercial credit cards savings checking and money market accounts that fit your organization s needs online in person and mobile merchant services receivables payables and liquidity strategies accessible lending options including equipment loans and lines of credit fraud prevention and oceanfirst bank ofbconnect ofbescrow and rdc drivers learn more about commercial banking trusts estate services legacy secured plan for your future with personalized trust and estate services that reflect your life goals today and tomorrow enjoy solutions like trust services tailored to your long term aspirations valuable insights into your assets for informed decisions trust administration fiduciary services charitable planning estate planning and more for peace of mind learn more about trusts the oceanfirst difference banking built around you financial well being begins with you but we re here to help customer centric services deep local roots positive community impact customer centric services you deserve solutions that simplify and enrich your banking experience whether you re an individual family or business from state of the art security to protect your data to digital banking solutions for ease and accessibility we enhance your experience at every turn enjoy comprehensive personal and commercial banking solutions digital and mobile solutions for security convenience and accessibility video teller services to connect to a local banker at your atm learn more about our approach deep local roots with over 120 years of service oceanfirst bank has a rich history of supporting the communities we serve you ll work with someone who understands your needs because they ve been there too our team proudly serves over 230 000 customers from families to businesses fosters generations of financial wellness and prosperity continues to grow our assets and locations across the country to serve you better read about our history positive community impact we commit to positively impacting the communities and planet we serve through our digital transformation efforts we reduce our environmental footprint and our active community engagement programs support local causes and empower financial futures here s how digital initiatives to reduce paper consumption and environmental impact community programs and foundations supporting local causes initiatives for first time homebuyers and financial literacy education learn more about us banking insights explore resources and news july 2026 jennifer sztolsztejner community wavemakers may 2026 juliane roy community wavemakers april 2026 kevin loughlin community wavemakers connect with us whatever stage of your financial journey you re on we can assist contact oceanfirst bank ocean first bank routing 231270353 nmls 409701 resources contact us faqs rates careers corporate sponsorship we can help open an account apply for a loan follow us follow us on facebook follow us on instagram follow us on linkedin 2026 oceanfirst bank n a all rights reserved privacy policy terms of use accessibility co browse support