Why do we call it the best checking account ever?

‘Cuz we’ve got the leg up on the competition. Hands down.

  • No fees, no lie.
  • Every ATM in the USA is free.
  • And, it earns interest! A lot!
  • Oh, and did we mention it’s free!
  • No strings attached.

Be fee-free, AmiGo.

It’s go time

Be fee-free, AmiGo.

It’s go time

Yep. Free with no fees. Plus, a whole lot more. But, don’t take our word for it. See for yourself.

Competition? More like no contest.

Bank Free ATMs* Balance Required** Transaction Fees Interest Earned
AmiGo by OceanFirst Bank
Unlimited None Never Up to 5X more!
Bank of America 16,000 $1,500 Yessir Barely any
PNC 9,000 $500 Of course Next to none
TD Bank 1,300 $100-$2,500 For sure A pittance
Wells Fargo 13,000 $1,500 Yep, gotcha! Ho-hum sum

* Competitor data chart is accurate as of 4/26/2019 and is based on information obtained from each bank’s individual website, subject to change at any time by the individual bank. Free ATM numbers listed for USA only; AmiGo by OceanFirst Bank offers a $1.50 rebate on all international ATM transactions.

**Required to avoid fee.

Questions? Glad you asked.

The good news is you can open your online account with just $50. The better news is you’ll never be required to maintain a minimum monthly balance.

Your first book of checks is free. Your VISA® debit card includes a Zero Liability Loss Guarantee, and there is no fee for overdraft transfer from a linked OceanFirst Bank account. There are also no fees for stop payments, incoming wires, premature account closing, or copies of checks/statements/account activity.

OceanFirst’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized debit card charges made with your account or account information. You’re protected if your debit card is lost, stolen or fraudulently used, online or offline.

Yes. Your AmiGo by OceanFirst Bank account will earn an annual percentage yield (APY) of 0.25% on all balances over a penny ($0.01). This variable APY is effective as of 11/12/18 and can change.

Absolutely! Once you’ve opened the account online, you’re always welcome to visit one of our branch locations. But, with all our digital capabilities, you can bank on-the-go from just about anywhere. No drive to the branch required.

No. Customers are charged ATM fees either by their bank or by the bank that owns the ATM machine. Some banks double-dip, and charge you both. And, while some banks may waive both fees if you jump through hoops, (like keeping high balances, doing a large number of debit transactions or hopping on one foot for an hour), AmiGo by OceanFirst Bank never charges ATM fees—no matter whose ATM you use. That’s right. No hoops and no ATM fees.