APY
0.00%
As of Nov 8, 2026. Rates are variable.
OceanFirst Bank · Checking account
OceanFirst FreeStyle Checking
$0 a year for an everyday customer. No monthly fee. $25 to open.
- A year, everyday customer
- $0
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · oceanfirst.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · open.oceanfirst.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · open.oceanfirst.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#125of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Branch access
- Card lock
- Check writing
- Debit card
- Free checks
- Free external transfers
- Instant digital card
- Mobile check deposit
- No minimum balance
- Online opening
- Overdraft protection transfer
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- Noneopen.oceanfirst.com, checked Nov 8, 2026
- Minimum to open
- $25open.oceanfirst.com, checked Nov 8, 2026
- Overdraft fee
- $30oceanfirst.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $30oceanfirst.com, checked Nov 8, 2026
- Overdraft transfer fee
- Noneoceanfirst.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 1oceanfirst.com, checked Nov 8, 2026
- ATM network
- Unlimited Free ATMsopen.oceanfirst.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2.50oceanfirst.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%oceanfirst.com, checked Nov 8, 2026
- Incoming domestic wire
- Noneoceanfirst.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30oceanfirst.com, checked Nov 8, 2026
- Outgoing international wire
- $50oceanfirst.com, checked Nov 8, 2026
- Paper statements
- $5 a monthoceanfirst.com, checked Nov 8, 2026
- Inactivity fee
- $15oceanfirst.com, checked Nov 8, 2026
- Early closure fee
- $35oceanfirst.com, checked Nov 8, 2026
- Cashier’s check
- $10oceanfirst.com, checked Nov 8, 2026
- Stop payment
- Noneoceanfirst.com, checked Nov 8, 2026
- Card replacement
- $5oceanfirst.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money