Disclosures


CONSUMER CREDIT CARD AGREEMENTS

Please select the link for your card type.

VISA

VISA Gold

MasterCard

Gold MasterCard


DO NOT CALL POLICY - STATEMENT TO THE CUSTOMER

OSB will maintain a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive sales calls from OSB, you may ... more


ELECTRONIC DISCLOSURES AND NOTICES

This disclosure describes the process that must occur before we can provide you with electronic disclosures and notices (such as by email or website).  It also describes your rights in the ... more


ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

This Electronic Fund Transfer disclosure does not apply to any accounts other than consumer accounts, as defined by Regulation E.
Indicated below are ... more


ERROR RESOLUTION NOTICE

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is ... more


NOTICE REGARDING CONSUMER LOAN PAYMENTS AND CONSUMER CREDIT CARD PAYMENTS


NOTICE REGARDING CONSUMER LOAN PAYMENTS

All loan payments must be accompanied by the ... more


SUBSTITUTE CHECKS AND YOUR RIGHTS

The following Substitute Check Disclosure provides information about substitute checks and your rights.
What is a substitute check?
To make check processing ... more


TRANSACTION ACCOUNT GUARANTEE PROGRAM NOTICE


Oconee State Bank is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through December 31, 2010, all ... more


USA PATRIOT ACT NOTICE

To help the government fight the funding of terrorism and money laudering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies ... more


YOUR ABILITY TO WITHDRAW FUNDS


This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited ... more