¹Free ATMs apply to the U.S. only. A $1.50 rebate will be refunded for any international ATM use. ²Our Zero-Liability Guarantee protects your checking account from fraud. Unauthorized use must be reported within 60 days of the statement date. Transactions must be qualified. Zero-Liability guarantee does not apply if there is evidence of the cardholder’s gross negligence in sharing personal information and/or pin. Mobile check deposits are covered by standard check clearing policies and are not covered by the Zero-Liability Policy.  We will credit your account within 10 business days (5 business days for Visa Debit Card POS transactions) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. ³Visit oceanfirst.com/overdraft. The bank will use discretion to pay overdrafts. This means there is no guarantee that the bank will always authorize and pay these transactions. If the bank does not authorize to pay an overdraft, the transaction will be declined. If you opted into courtesy overdraft protection and overdraw your account by more than $50, you will be charged $38 each time an overdraft transaction is paid or declined, with a maximum of four fees per day. Refer to oceanfirst.com/feeschedule for additional information.  Some exclusions apply. Learn more at oceanfirst.com.

Personal Fee Schedule and Disclosure 
Funds Availability Policy