OceanFirst Bank, National Association

Headquarters: Toms River, New Jersey
Charter: Bank
Assets: $23.2B
Fed district: Philadelphia

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
OceanFirst Bank, National Association: $30
OceanFirst Bank, National Association: $30
U.S. median: no median
Non-Network ATM
OceanFirst Bank, National Association: $2.50
OceanFirst Bank, National Association: $2.50
U.S. median: no median
Stop Payment
OceanFirst Bank, National Association: $35
OceanFirst Bank, National Association: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from OceanFirst Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Premature Account Closing Fee$35
Dormant Account$15
per month
Escheat Fee$100
per item
Paper Statements$5
Excess Transaction Fee Money Market & Savings Accounts (audience not stated, treated as personal)$15
per item
No Mail/ Returned Statement Fee$5
per month

Overdraft & NSF

Overdraft fee (each time an overdraft transaction is paid) (audience not stated, treated as personal)$30
per item

ATM & Card

Non-OceanFirst ATM$2.50
per transaction
Visa® Debit Card Services Non-OceanFirst ATM$2.50
per transaction
Replacement Card$5
per item
International Transaction (audience not stated, treated as personal)1%of the transaction

Check Services

Service Fee Service Fee Service Fee Official Checks$10
per item
Money Orders$5
per item
Stop Payment$35
per item
Encoded Temporary Checks$2

Digital & Electronic

Online Bill Pay Draft$20
Not compared: Per-item charge, not monthly
per item

Account Services

Drilling$250
Not compared: Box drilling or key fee
Lost Key$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$175
Safe Deposit Box 10 x 11$185
Safe Deposit Box 11 x 16$200
Safe Deposit Box 2 x 10$50
Safe Deposit Box 3 x 10$70
Safe Deposit Box 3 x 5$45
Safe Deposit Box 4 x 10$85
Safe Deposit Box 5 x 10$100
Safe Deposit Box 5 x 5$60
Safe Deposit Box 6 x 10$105
Safe Deposit Box 8 x 10$115
Safe Deposit Box 9 x 10$140
Legal Actions: levies, subpoenas, etc$125
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Fee (past due 30 days)$10
Late Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closing Fee	$35	Not stated	None
Dormant Account	$15	per month	None
Escheat Fee	$100	per item	None
Paper Statements	$5	Not stated	None
Excess Transaction Fee Money Market & Savings Accounts (audience not stated, treated as personal)	$15	per item	None
No Mail/ Returned Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft fee (each time an overdraft transaction is paid) (audience not stated, treated as personal)	$30	per item	None
ATM & Card
Non-OceanFirst ATM	$2.50	per transaction	None
Visa® Debit Card Services Non-OceanFirst ATM	$2.50	per transaction	None
Replacement Card	$5	per item	None
International Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Service Fee Service Fee Service Fee Official Checks	$10	per item	None
Money Orders	$5	per item	None
Stop Payment	$35	per item	None
Encoded Temporary Checks	$2	Not stated	None
Digital & Electronic
Online Bill Pay Draft	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$175	Not stated	None
Safe Deposit Box 10 x 11	$185	Not stated	None
Safe Deposit Box 11 x 16	$200	Not stated	None
Safe Deposit Box 2 x 10	$50	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 3 x 5	$45	Not stated	None
Safe Deposit Box 4 x 10	$85	Not stated	None
Safe Deposit Box 5 x 10	$100	Not stated	None
Safe Deposit Box 5 x 5	$60	Not stated	None
Safe Deposit Box 6 x 10	$105	Not stated	None
Safe Deposit Box 8 x 10	$115	Not stated	None
Safe Deposit Box 9 x 10	$140	Not stated	None
Legal Actions: levies, subpoenas, etc	$125Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Fee (past due 30 days)	$10	Not stated	None
Late Payment	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Premature Account Closing Fee$35
Dormant Account$15
per month
Escheat Fee$100
per item
Paper Statements$5
No Mail/ Returned Statement Fee$5
per month

Overdraft & NSF

Business NSF/UCF Fee$38
per item
Sustained Overdraft (Business Only)$7
per day

ATM & Card

Non-OceanFirst ATM$2.50
per transaction
Visa® Debit Card Services Non-OceanFirst ATM$2.50
per transaction
Replacement Card$5
per item

Check Services

Service Fee Service Fee Service Fee Official Checks$10
per item
Money Orders$5
per item
Stop Payment$35
per item
Encoded Temporary Checks$2

Digital & Electronic

Online Bill Pay Draft$20
Not compared: Per-item charge, not monthly
per item

Account Services

Drilling$250
Not compared: Box drilling or key fee
Lost Key$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$175
Safe Deposit Box 10 x 11$185
Safe Deposit Box 11 x 16$200
Safe Deposit Box 2 x 10$50
Safe Deposit Box 3 x 10$70
Safe Deposit Box 3 x 5$45
Safe Deposit Box 4 x 10$85
Safe Deposit Box 5 x 10$100
Safe Deposit Box 5 x 5$60
Safe Deposit Box 6 x 10$105
Safe Deposit Box 8 x 10$115
Safe Deposit Box 9 x 10$140
Legal Actions: levies, subpoenas, etc$125
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Fee (past due 30 days)$10
Late Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closing Fee	$35	Not stated	None
Dormant Account	$15	per month	None
Escheat Fee	$100	per item	None
Paper Statements	$5	Not stated	None
No Mail/ Returned Statement Fee	$5	per month	None
Overdraft & NSF
Business NSF/UCF Fee	$38	per item	None
Sustained Overdraft (Business Only)	$7	per day	None
ATM & Card
Non-OceanFirst ATM	$2.50	per transaction	None
Visa® Debit Card Services Non-OceanFirst ATM	$2.50	per transaction	None
Replacement Card	$5	per item	None
Check Services
Service Fee Service Fee Service Fee Official Checks	$10	per item	None
Money Orders	$5	per item	None
Stop Payment	$35	per item	None
Encoded Temporary Checks	$2	Not stated	None
Digital & Electronic
Online Bill Pay Draft	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$175	Not stated	None
Safe Deposit Box 10 x 11	$185	Not stated	None
Safe Deposit Box 11 x 16	$200	Not stated	None
Safe Deposit Box 2 x 10	$50	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 3 x 5	$45	Not stated	None
Safe Deposit Box 4 x 10	$85	Not stated	None
Safe Deposit Box 5 x 10	$100	Not stated	None
Safe Deposit Box 5 x 5	$60	Not stated	None
Safe Deposit Box 6 x 10	$105	Not stated	None
Safe Deposit Box 8 x 10	$115	Not stated	None
Safe Deposit Box 9 x 10	$140	Not stated	None
Legal Actions: levies, subpoenas, etc	$125Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Fee (past due 30 days)	$10	Not stated	None
Late Payment	$10	Not stated	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
OceanFirst Bank, National Association: $30
OceanFirst Bank, National Association: $30
U.S. median: no median
Non-Network ATM
OceanFirst Bank, National Association: $2.50
OceanFirst Bank, National Association: $2.50
U.S. median: no median
Stop Payment
OceanFirst Bank, National Association: $35
OceanFirst Bank, National Association: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from OceanFirst Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Premature Account Closing Fee$35
Dormant Account$15
per month
Escheat Fee$100
per item
Paper Statements$5
Excess Transaction Fee Money Market & Savings Accounts (audience not stated, treated as personal)$15
per item
No Mail/ Returned Statement Fee$5
per month

Overdraft & NSF

Overdraft fee (each time an overdraft transaction is paid) (audience not stated, treated as personal)$30
per item

ATM & Card

Non-OceanFirst ATM$2.50
per transaction
Visa® Debit Card Services Non-OceanFirst ATM$2.50
per transaction
Replacement Card$5
per item
International Transaction (audience not stated, treated as personal)1%of the transaction

Check Services

Service Fee Service Fee Service Fee Official Checks$10
per item
Money Orders$5
per item
Stop Payment$35
per item
Encoded Temporary Checks$2

Digital & Electronic

Online Bill Pay Draft$20
Not compared: Per-item charge, not monthly
per item

Account Services

Drilling$250
Not compared: Box drilling or key fee
Lost Key$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$175
Safe Deposit Box 10 x 11$185
Safe Deposit Box 11 x 16$200
Safe Deposit Box 2 x 10$50
Safe Deposit Box 3 x 10$70
Safe Deposit Box 3 x 5$45
Safe Deposit Box 4 x 10$85
Safe Deposit Box 5 x 10$100
Safe Deposit Box 5 x 5$60
Safe Deposit Box 6 x 10$105
Safe Deposit Box 8 x 10$115
Safe Deposit Box 9 x 10$140
Legal Actions: levies, subpoenas, etc$125
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Fee (past due 30 days)$10
Late Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closing Fee	$35	Not stated	None
Dormant Account	$15	per month	None
Escheat Fee	$100	per item	None
Paper Statements	$5	Not stated	None
Excess Transaction Fee Money Market & Savings Accounts (audience not stated, treated as personal)	$15	per item	None
No Mail/ Returned Statement Fee	$5	per month	None
Overdraft & NSF
Overdraft fee (each time an overdraft transaction is paid) (audience not stated, treated as personal)	$30	per item	None
ATM & Card
Non-OceanFirst ATM	$2.50	per transaction	None
Visa® Debit Card Services Non-OceanFirst ATM	$2.50	per transaction	None
Replacement Card	$5	per item	None
International Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Service Fee Service Fee Service Fee Official Checks	$10	per item	None
Money Orders	$5	per item	None
Stop Payment	$35	per item	None
Encoded Temporary Checks	$2	Not stated	None
Digital & Electronic
Online Bill Pay Draft	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$175	Not stated	None
Safe Deposit Box 10 x 11	$185	Not stated	None
Safe Deposit Box 11 x 16	$200	Not stated	None
Safe Deposit Box 2 x 10	$50	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 3 x 5	$45	Not stated	None
Safe Deposit Box 4 x 10	$85	Not stated	None
Safe Deposit Box 5 x 10	$100	Not stated	None
Safe Deposit Box 5 x 5	$60	Not stated	None
Safe Deposit Box 6 x 10	$105	Not stated	None
Safe Deposit Box 8 x 10	$115	Not stated	None
Safe Deposit Box 9 x 10	$140	Not stated	None
Legal Actions: levies, subpoenas, etc	$125Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Fee (past due 30 days)	$10	Not stated	None
Late Payment	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Premature Account Closing Fee$35
Dormant Account$15
per month
Escheat Fee$100
per item
Paper Statements$5
No Mail/ Returned Statement Fee$5
per month

Overdraft & NSF

Business NSF/UCF Fee$38
per item
Sustained Overdraft (Business Only)$7
per day

ATM & Card

Non-OceanFirst ATM$2.50
per transaction
Visa® Debit Card Services Non-OceanFirst ATM$2.50
per transaction
Replacement Card$5
per item

Check Services

Service Fee Service Fee Service Fee Official Checks$10
per item
Money Orders$5
per item
Stop Payment$35
per item
Encoded Temporary Checks$2

Digital & Electronic

Online Bill Pay Draft$20
Not compared: Per-item charge, not monthly
per item

Account Services

Drilling$250
Not compared: Box drilling or key fee
Lost Key$15
Not compared: Box drilling or key fee
per item
Safe Deposit Box 10 x 10$175
Safe Deposit Box 10 x 11$185
Safe Deposit Box 11 x 16$200
Safe Deposit Box 2 x 10$50
Safe Deposit Box 3 x 10$70
Safe Deposit Box 3 x 5$45
Safe Deposit Box 4 x 10$85
Safe Deposit Box 5 x 10$100
Safe Deposit Box 5 x 5$60
Safe Deposit Box 6 x 10$105
Safe Deposit Box 8 x 10$115
Safe Deposit Box 9 x 10$140
Legal Actions: levies, subpoenas, etc$125
Not compared: Charged per hour; comparison unavailable
per hour

Lending Fees

Late Fee (past due 30 days)$10
Late Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Premature Account Closing Fee	$35	Not stated	None
Dormant Account	$15	per month	None
Escheat Fee	$100	per item	None
Paper Statements	$5	Not stated	None
No Mail/ Returned Statement Fee	$5	per month	None
Overdraft & NSF
Business NSF/UCF Fee	$38	per item	None
Sustained Overdraft (Business Only)	$7	per day	None
ATM & Card
Non-OceanFirst ATM	$2.50	per transaction	None
Visa® Debit Card Services Non-OceanFirst ATM	$2.50	per transaction	None
Replacement Card	$5	per item	None
Check Services
Service Fee Service Fee Service Fee Official Checks	$10	per item	None
Money Orders	$5	per item	None
Stop Payment	$35	per item	None
Encoded Temporary Checks	$2	Not stated	None
Digital & Electronic
Online Bill Pay Draft	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$15Not compared: Box drilling or key fee	per item	None
Safe Deposit Box 10 x 10	$175	Not stated	None
Safe Deposit Box 10 x 11	$185	Not stated	None
Safe Deposit Box 11 x 16	$200	Not stated	None
Safe Deposit Box 2 x 10	$50	Not stated	None
Safe Deposit Box 3 x 10	$70	Not stated	None
Safe Deposit Box 3 x 5	$45	Not stated	None
Safe Deposit Box 4 x 10	$85	Not stated	None
Safe Deposit Box 5 x 10	$100	Not stated	None
Safe Deposit Box 5 x 5	$60	Not stated	None
Safe Deposit Box 6 x 10	$105	Not stated	None
Safe Deposit Box 8 x 10	$115	Not stated	None
Safe Deposit Box 9 x 10	$140	Not stated	None
Legal Actions: levies, subpoenas, etc	$125Not compared: Charged per hour; comparison unavailable	per hour	None
Lending Fees
Late Fee (past due 30 days)	$10	Not stated	None
Late Payment	$10	Not stated	None

Correct a fee source

Oct 9, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.