Estate planning at OceanFirst
How to protect 12 OceanFirst accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through OceanFirst's Trust and Asset Management
Retail Customer Services
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Retail Customer Services (deposit accounts); Trust and Asset Management (trust and fiduciary accounts)
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
OceanFirst offers 12 consumer accounts that interact with estate planning in distinct ways. Of those, 9 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.
OceanFirst lets account holders update beneficiary designations 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.
There are two sides to estate planning at OceanFirst: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 12 account types at OceanFirst.
View details →When someone dies
Death claim process
Contact OceanFirst's Trust and Asset Management to file a claim. 8-step process, 6 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 is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes. OceanFirst Financial Corp. completed its merger with Flushing Financial Corporation on June 1, 2026, and OceanFirst Bank, N.A. is the surviving bank; Flushing Bank now operates as a division of OceanFirst Bank while the systems are fully integrated later in 2026. Statements and branches carry the "Flushing Bank, a division of OceanFirst Bank" wording during the transition, account and routing numbers are unchanged until customers get at least 30 days notice, and FDIC insurance on the two institutions' deposits stays separately calculated for at least six months after the merger. Existing P.O.D. designations, trust registrations, and account paperwork carry over.
Sources
Data sourced from OceanFirst primary sources (14 pages reviewed). How we research.
Retail Customer Services
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Retail Customer Services (deposit accounts); Trust and Asset Management (trust and fiduciary accounts)
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Estate planning articles
Learn how to protect your OceanFirst accounts and other assets with trusts, beneficiary designations, and estate planning documents.
