[NJ, NY & PA] Ocean First Bank $300 Checking Account Bonus

Update 8/17/25: Deal is back until 09/26/25.This time until for $300.Hat tip to reader PS

Offer at a glance

The Offer

Direct link to offer

OceanFirst is offering a bonus of $300 when you open a new free style checking account and complete the following requirements:

At least two cycles of an electronic recurring direct deposit of $500 or more has posted to the account

eStatements is elected

Accountholder is active on the OceanFirst Bank mobile app within 30 days leading up to the bonus payout date

The Fine Print

Promotion runs 09/06/22 through 12/31/22.

Offer available for New FreeStyle Checking account customers only.

Account must be opened with funds not currently on deposit at OceanFirst Bank.

Eligibility for the $235 bonus requires that all three of the following conditions are met: At least two cycles of an electronic recurring direct deposit of $500 or more has posted to the account, eStatements is elected and the accountholder is active on the OceanFirst Bank mobile app within 30 days leading up to the bonus payout date.

Bonus will be paid on the first business day after your 90-day account opening anniversary.

All cash bonuses are taxable.

$50 minimum to open any OceanFirst checking account.

FreeStyle Checking features no monthly minimum balance requirement.

Account must remain open and active for one year or bonus will be forfeited.All Annual Percentage Yields (APYs) on interest-bearing accounts subject to change.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

Bonus forfeit if closed within 12 months

Our Verdict

Not as good as the most recent $250 deal with no direct deposit required.

But that hasn’t been available since 2019 so if you live in an eligible area then this deal is worth doing.We will add this to our list of the best checking bonuses.

Hat tip to Bockrr

Useful posts regarding bank bonuses:

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.