A Partner You Can Trust

While economic cycles are inevitable, OceanFirst Bank remains a strong, stable financial institution poised to help you manage your family's finances. As a member of FDIC, we can assure you that your money is safe at OceanFirst Bank and all qualifying deposits are covered by FDIC insurance.

It is important that you understand that FDIC coverage is $250,000 per depositor. The chart below provides an example of how an OceanFirst Bank depositor could be covered up to $2,000,000.

Deposit types include OceanFirst Checking Accounts, OceanFirst Savings Accounts,
OceanFirst CDs and OceanFirst IRA CD Accounts and Revocable Trust Accounts.


All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov