Preparing your OceanFirst accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

With 11 product types, OceanFirst offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.

FreeStyle CheckingFreshStart CheckingStatement SavingsSaveFirst Statement SavingsHoliday ClubFirstWave Money MarketCertificate of DepositKidSaveSmart

1Visit your local OceanFirst branch (https://oceanfirst.com/locations) with government-issued photo ID

2Request to add a POD (Payable on Death) beneficiary to your deposit account

3Provide beneficiary details: full name, date of birth, SSN, and relationship

4Specify percentage allocation if naming multiple beneficiaries

5Review and sign the beneficiary designation form

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Beneficiary does not need to be present
Named beneficiaries override your will
POD designations are available on personal checking, savings, money market, and CD accounts