# OceanFirst Bank > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/oceanfirst-bank - **Dataset:** https://optimly.ai/brand/oceanfirst-bank.json - **Markdown:** https://optimly.ai/brand/oceanfirst-bank/llms.txt - **Official website:** https://oceanfirst.com - **Slug:** oceanfirst-bank - **Categories:** fintech-financial-services ## Overview - **Tagline:** OceanFirst Bank is a community bank providing personal, small business, commercial, digital banking, lending, treasury management, and trust services. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Description:** OceanFirst Bank serves individuals, families, small businesses, and commercial organizations with banking and financial solutions. The bank emphasizes personalized service, digital convenience, local community involvement, and financial well-being. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 ## Identity - **Mission:** To help customers reach their financial goals while positively impacting the communities OceanFirst serves. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Website:** https://oceanfirst.com Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Voice & tone:** Customer-centric, community-oriented, personalized, approachable, and financially supportive. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Founded:** 1902 Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Headquarters:** Red Bank and Toms River, New Jersey Source: Brand's website (https://oceanfirst.com) · 2026-11-08 ## Offerings - **Problem solved:** OceanFirst helps individuals, families, and businesses manage money, access financing, save and invest, conduct banking digitally, manage commercial finances, and plan for long-term financial goals. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Core capabilities:** - Personal checking, savings, and CD accounts - Personal lending and credit solutions - Small business banking and financing - Commercial banking and treasury management - Digital and mobile banking - Merchant services - Receivables, payables, and liquidity strategies - Fraud prevention and cybersecurity Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Products / SKUs:** - Personal checking, savings, and CD accounts - Personal loans and credit solutions - Small business checking, savings, Money Market accounts, and loans - Commercial checking, savings, Money Market accounts, credit cards, equipment loans, and lines of credit - Treasury management services - Digital and mobile banking, including Bill Pay, Zelle, and Tap to Pay - Merchant services - Trust and asset management services Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Pricing:** The site advertises limited-time deposit offers, including a 9 Month CD, High Yield Savings+, and Business 9 Month CD at a stated 4.01% rate and 4.08% APY, subject to eligibility, balance, new-money, timing, and other conditions. Small business banking is described as offering transparent pricing. Rates and offers may change or be discontinued. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 ## Audience - **Target industry:** Banking and financial services Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Customer base:** Over 230,000 customers, including families, individuals, small businesses, commercial organizations, and nonprofits. The bank serves the Northeastern United States, with locations across New Jersey, New York, Pennsylvania, Massachusetts, and Maryland. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Ideal customer profile:** Individuals and families seeking personal banking, lending, digital banking, and trust services; small businesses needing deposit accounts, financing, merchant services, and advisory support; and commercial organizations needing lending, treasury management, liquidity, receivables, payables, and fraud-prevention services. Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Use cases:** - Opening and managing checking, savings, and CD accounts - Saving and earning interest through deposit products - Accessing personal, home, small business, and commercial financing - Managing small business cash flow and growth - Running commercial receivables, payables, and liquidity operations - Banking online and through mobile devices - Using Bill Pay, Zelle, Tap to Pay, and remote deposit services - Accepting payments through merchant services Source: Brand's website (https://oceanfirst.com) · 2026-11-08 - **Customer outcomes:** - Greater access to personalized banking and financial solutions - Convenient digital and mobile banking - Financing for personal needs, business growth, and expansion - Simplified commercial financial operations - Support for long-term financial and estate planning - Improved access to financial resources and opportunities - Community organizations receiving donations, grants, and financial support Source: Brand's website (https://oceanfirst.com) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.