Estate planning at OceanFirst
How to protect 11 OceanFirst accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through OceanFirst's Trust and Asset Management
Retail Customer Services
Phone1-888-623-2698
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Debit Card Activation / PIN Reset
Lost/Stolen Debit Card
Fraud Alerts
WebsiteLearn more →
Customer Services / Trust and Asset Management
Phone1-888-623-2698
Emailtrust@oceanfirst.com
Trust & Asset Management
Verified Mar 2026
OceanFirst offers 11 consumer accounts that interact with estate planning in distinct ways. Of those, 8 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at OceanFirst can be managed in branch and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
OceanFirst provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 11 account types at OceanFirst.
View details →When someone dies
Death claim process
Contact OceanFirst's Trust and Asset Management to file a claim. 9-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact OceanFirst's Trust and Asset Management at 877-556-6609. Email inquiries can be sent to trust@oceanfirst.com.
OceanFirst operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. Visit a local OceanFirst branch with your trust document (full trust agreement or Certification of Trust) and government-issued ID. You will need the trust tax identification number (EIN or SSN for revocable trusts). A banker will complete the retitling paperwork to change account ownership to your trust. Checking, savings, money market, and CD accounts are eligible for trust retitling.
Yes. OceanFirst Bank's Trust and Asset Management department has fiduciary powers and can serve as Trustee, Co-Trustee, Executor, or Agent for Executor. The bank administers revocable trusts, standby revocable trusts, irrevocable trusts, testamentary trusts, special needs trusts, and charitable remainder trusts. Contact the Trust and Asset Management department at 877-556-6609 or email trust@oceanfirst.com. OceanFirst also offers investment management services in partnership with Addison Capital, an independent fee-only Registered Investment Advisor.
Yes. OceanFirst Bank can serve as Executor, carrying out the instructions of the testator and overseeing administrative duties, tax accountings, and management of assets until final distributions are made. The bank can also serve as Agent for Executor, handling estate administrative and asset management tasks such as marshalling assets, arranging for payment of debts and expenses, executing securities transactions, and recordkeeping. Contact the Trust and Asset Management department at 877-556-6609.
OceanFirst offers managed money portfolios through its Nest Egg platform in partnership with Addison Capital, an independent fee-only Registered Investment Advisor. Portfolios are available for individual accounts, joint accounts, IRAs, 401(k), 403(b), 457 plans, and TSP rollovers. You can start with as little as $1,000. Additional services include annuities, insurance products, college planning, mutual funds, and individual securities. Contact Trust & Investments at 877-556-6609 or visit hellonestegg.com.
OceanFirst Bank operates approximately 41 locations across New Jersey, New York, and Pennsylvania. The bank is headquartered in Toms River, New Jersey. In December 2025, OceanFirst announced a merger agreement with Flushing Financial Corp. that would expand its footprint into additional New York markets including Suffolk, Nassau, Queens, Brooklyn, and Manhattan. Visit oceanfirst.com/locations to find a branch near you.
Retail Customer Services
Phone1-888-623-2698
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Debit Card Activation / PIN Reset
Lost/Stolen Debit Card
Fraud Alerts
WebsiteLearn more →
Customer Services / Trust and Asset Management
Phone1-888-623-2698
Emailtrust@oceanfirst.com
Trust & Asset Management
Verified Mar 2026
Estate planning resources for OceanFirst customers
Tools and documents to help protect your OceanFirst accounts.
Do I Need a Revocable Trust?
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