Frequently Asked Questions

What EBanking services are available at Oconee State Bank?
Oconee State Bank is proud to offer an array of Electronic Banking services to our accountholders:
• Net Advantage Online Banking and Bill Pay allows 24/7 access to your account(s) online
• Mobile Advantage Apps allow 24/7 access to your account(s) with the Oconee State Bank Mobile Advantage App available for iPhone, iPad, and Android devices
• EStatements allows 24/7 access to your account statements
• Voice Advantage Telephone Banking allows 24/7 access to your account(s) by calling 706.769.6612

When are EBanking services available?
While we make every effort to provide 24/7 Electronic Banking services, there may be brief moments of downtime due to routine system maintenance. If we are aware of upcoming maintenance, we will post a message on the applicable system to notify users of downtime.

What is the service charge for EBanking services?
The EBanking services listed above are free features available with all Oconee State Bank checking and savings accounts.

What software is required for Net Advantage Online Banking?
Oconee State Bank’s Net Advantage Online Banking site is optimized for use with the following browsers. If you use a different browser, you may not be able to take full advantage of all the features of the site.
• Microsoft Internet Explorer 9 or higher
• Mozilla Firefox 5 or higher
• Safari 6 or higher
Be sure to select a recommended or supported version when downloading at the following locations:
Microsoft© Internet Explorer Download:
Mozilla Firefox Download:
Safari Download:

Can I get a copy of a cancelled check?
Images of check payments are available on Net Advantage Online Banking for up to 12 months.

How much transaction history is available on Net Advantage Online Banking and Bill Pay?
Transaction history, payment history, and account statements are available for up to 12 months.

What happens if forget my User ID or Password for any of the EBanking services?
If you forget a User ID or Password associated with an Electronic Banking service, contact the Personal Banking Center at 706.769.6611. After proper identity verification, your password will be reset.

When using Net Advantage Bill Pay, when will the funds be taken out of my account?
If the payment is electronic, funds will be debited from your account the day the payment is scheduled. If the payment is by check, funds will be debited from your account once the check is presented for payment.

What if I do not have enough money in my account to pay a bill?
Electronic payments will not be processed until funds are available. The payment will attempt to be sent until the funds are available. Check payments are treated as any other check you have written and will still be mailed to the payee regardless of funds availability.

What happens if I have a scheduled payment that falls over a weekend or holiday?
Scheduled payments that fall on a non-business day will be processed on the prior business day. No payments are processed on weekends or Bank holidays.

What do I do if a payment I made online was never received by the payee?
If you ever have any questions about a payment, please call the Personal Banking Center at 706.769.6611. We will be happy to research your payment.

When will I be notified that my EStatement is ready to review?
The moment your statement has been generated an email is sent to your email address informing you that your statement is ready to view.

Do I still receive a statement in the regular mail if I have signed up for EStatements?
No, you will only receive email notification that you can review your statement online.

How many statements will I have access to?
You will have up to 18 months of statements archived on the system when you enroll. If you need additional statements, please contact our Personal Banking Center at 706.769.6611.

How do I reconcile my account with EStatments?
To view and print a reconciliation form, click here.

What if my email address changes?
If your email address changes, please contact us immediately.

How do I access Mobile Advantage from my mobile device?
Customers with a valid Net Advantage login User ID and Password can access Mobile Advantage from their iPhone, iPad, or Android devices by downloading the free Oconee State Bank Mobile Advantage App in the Apple iTunes Store or Google Play Store. Users will other mobile devices may access our classic Mobile Advantage site at

What functions can I perform with Mobile Advantage?
With Mobile Advantage you can:
• find branch and ATM locations
• view transaction history
• view account balances
• transfer funds between accounts
• pay bills to existing payees
• view account alerts

How do I know if my transfer or bill payment was entered successfully with Mobile Advantage?
Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.

What if I no longer want to be a mobile user?
Log in to the Net Advantage Online Banking site > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Submit.

What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your Mobile Advantage login information cannot be accessed. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number from Net Advantage Online Banking settings.

Can I add a new Bill Payment payee in Mobile Advantage?
No. You can only add payments to payees already established through your traditional Net Advantage Online Banking account. If you need to add, edit, or delete a payee, login to Net Advantage Online Banking Bill Pay.

How do I delete a Bill Payment that I set up through Mobile Advantage?
You must log in to Net Advantage Online Banking and delete the payment from the main menu of Bill Pay.

What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

What do I need to do if I get a new phone?
If you get a new mobile device, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, login to your Net Advantage account via the Internet and update your information on the Options > Mobile Settings page. **You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

How can I search for a transaction with Mobile Advantage?
You are able to view up to 15 days worth of transaction history on your mobile device.

Can I use any mobile device to access Mobile Advantage?
Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS Text messages will be sent to the device entered when enrolled for mobile banking.

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