How to name beneficiaries and fund a trust at OceanFirst
Covers 8 deposit, 2 lending, and 2 investment accounts — beneficiaries must be updated in-branch
Retail Customer Services
Phone1-888-623-2698
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Lost/Stolen Debit Card (outside customer care hours)
Lost/Stolen Personal Credit Card
Lost/Stolen Business Credit Card
Fraud Center
Existing Mortgage/Loan Servicing
WebsiteLearn more→
Retail Customer Services (deposit accounts); Trust and Asset Management (trust and fiduciary accounts)
Phone1-888-623-2698
Emailtrust@oceanfirst.com
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Trust and Asset Management
WebsiteNotify online→
Verified Jul 2026
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.
OceanFirst has 12 product types, and the estate transfer rules differ across them. Some support Payable on Death (POD) designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
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1
Bring government-issued photo identification to any OceanFirst branch (https://oceanfirst.com/locations).
2
Ask the banker to add or update the P.O.D. payee(s) on each deposit account — checking, savings, money market, and CDs are all eligible, and the designation is per account, not per customer.
3
Give the banker each payee's full name, date of birth, Social Security number, relationship, and share percentage, and sign the account paperwork.
4
Ask for a copy showing the completed registration, and confirm the account title reads the way you expect. This copy is what a survivor will hand back to the bank later.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- OceanFirst does not publish a public P.O.D. beneficiary form; the designation is made on the bank's account paperwork in branch
- The beneficiary does not need to be present or to sign
- A P.O.D. designation overrides the will — ownership of a P.O.D. account cannot be changed by will (Personal Account Disclosures)
- Changing the form of an existing multiple-party account requires written notice signed by all parties during all parties' lifetimes
Sources
Data sourced from OceanFirst primary sources (14 pages reviewed). How we research.
Download these OceanFirst instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against OceanFirst primary sources. Bring it to the branch or keep it beside the phone.
Retail Customer Services
Phone1-888-623-2698
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Lost/Stolen Debit Card (outside customer care hours)
Lost/Stolen Personal Credit Card
Lost/Stolen Business Credit Card
Fraud Center
Existing Mortgage/Loan Servicing
WebsiteLearn more→
Retail Customer Services (deposit accounts); Trust and Asset Management (trust and fiduciary accounts)
Phone1-888-623-2698
Emailtrust@oceanfirst.com
Mailing Address
OceanFirst Bank, Retail Customer Services, P.O. Box 2009, Toms River, NJ 08754-2009
Trust and Asset Management
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your OceanFirst accounts and other assets with trusts, beneficiary designations, and estate planning documents.
