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Oceanfirst.com (Domain) Investigation Report

Generated on Feb 17, 2026

Recommendation
Caution
Overall Summary
Suspicious
  Why we think so? 

OceanFirst.com is the website for OceanFirst Bank, a financial institution based in the United States with about 278,000 monthly visits. It uses a range of trusted technologies including CloudFlare and major payment systems like Visa and American Express. The domain is registered with GoDaddy since 1999 and features active SSL certificates for secure connections. There are multiple verified trademarks related to the bank and its services. The bank operates primarily in New Jersey, offering banking and lending services with recent news showing merger activity and regulatory settlements. However, customer reviews reveal frequent complaints about fees, customer service, and account handling. Notably, OceanFirst settled a $14 million fair lending (redlining) case with U.S. authorities, reflecting serious past legal challenges. Overall, it is a legitimate banking entity with a solid infrastructure but a mixed reputation regarding customer experiences and legal compliance.

Confidence Score Our overall confidence rating for this entity based on public signals, activity, and risk checks.
88%

Risk Insights

🛡️

Established Domain and Trusted Technologies

  • Domain registered since 1999
  • Uses SSL and CloudFlare
  • Supports major payment methods
⚠️

Customer Complaints Highlight Service Issues

  • Reports of excessive fees and account freezes
  • Poor customer service reviews
  • Unresolved disputes common
⚠️

Legal Settlement Indicates Past Compliance Problems

  • $14M redlining settlement
  • Mandated community reinvestment
  • Ongoing fee litigation

Category Scores

Red Flags & Warnings

  • Frequent customer complaints of excessive fees, account freezes, and poor complaint resolution.
  • Settlement of a major fair lending lawsuit indicating serious legal compliance issues.

Detailed Checks & Insights

0-100 Scale

Domain age and registration

Score: 90
Passed

"Domain registration data consistent with a legitimate business, uses reliable registrar and has stable nameservers."

Reason: Domain oceanfirst.com has been registered since 1999 with GoDaddy, indicating longevity and legitimacy.

Website technology and security

Score: 95
Passed

"Tech stack includes CloudFlare, American Express, Visa, Apple Pay, Google Pay, and advertising tools such as Facebook Advertiser, confirming professional level operations."

Reason: Uses industry-standard security with valid SSL from CloudFlare, and employs widely recognized payment and ad technologies.

Traffic and domain popularity

Score: 85
Passed

"Traffic sources are primarily direct and search, with almost no social media traffic, consistent with specialized bank site behavior."

Reason: Monthly visits around 278K US-based, moderate global rank (#204,448), popular for banking category keywords.

Contact and business details consistency

Score: 90
Passed

"Finance and investor relations emails located on multiple official IR pages, confirming business contact transparency."

Reason: Multiple verified business emails and phone numbers from official domain found on credible sources.

Trademark and brand authenticity

Score: 90
Passed

"Trademarks have been registered for many years showing brand protection, including recent filings under correct corporate entities."

Reason: USPTO database shows multiple active trademarks for OceanFirst Financial Corp, covering banking and finance categories.

Blacklist and scam reports

Score: 90
Passed

"Technical safety checks show clean status as of current date."

Reason: No presence on crypto scam blacklists or Google Safe Browsing threat lists, indicating no major technical risk flags.

Customer reviews and complaints

Score: 30
Failed

"Complaints include serious issues with overdrafts, account blocking without notice, payment processing glitches, and unresolved disputes impacting user trust."

Reason: Significant volume of customer complaints across multiple sites about fees, account freezes, and poor customer service.

Legal filings and disputes

Score: 20
Failed

"Also involved in fee litigation and employee wage disputes indicating ongoing legal and compliance challenges."

Reason: Completed settlement for discriminatory lending practices (redlining) involving multi-million dollar fines and mandated corrective actions.

Your Next Steps

  • 1

    If intending to use OceanFirst Bank services, review the specific terms and customer feedback carefully.

  • 2

    Monitor updates regarding legal compliance and customer service improvements.

  • 3

    Consider contacting the bank directly via official emails or phone numbers for clarifications.

  • 4

    Check official regulatory sites for further information on redlining settlement and bank ratings.

Key Evidence & Citations

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