Personal Banking

Free access to Online banking, mobile banking, mobile deposit, bill pay, eStatements. VISA Debit Card, 24/7 VISA debit card fraud monitoring. Apple Pay, Samsung Pay, Google Pay.

Essential Checking is Powered by BaZing, giving you instant access to incredible discounts, cell phone protection, roadside assistance, and much more!

Essential Plus Checking is Powered by BaZing, giving you instant access to incredible discounts, cell phone protection, roadside assistance, and much more- all while paying you a competitive interest rate!

A savings account is a great way to set aside additional funds for unexpected expenses or big rewards! Start saving today!

Our OSB Kids Club Savings Account rewards kids for saving money!

An Insured Money Market account gives you flexibility and easy access to your funds while earning higher interest rates on higher balances.

A Certificate of Deposit is a safe and secure way to earn higher interest returns on your deposits.

Traditional and Roth IRAs help you save money for retirement.

The loan professionals at Oconee State Bank stand ready to tailor the right loan solution for individual needs. We offer a wide spectrum of consumer loan options and deliver each with prompt, friendly service.

Oconee State Bank specializes in single family residential construction loans.

We offer home equity loans with competitive interest rates, payment options, and loan amounts. If you establish a home equity line of credit with us, it allows you the flexibility to borrow when you need to in minutes.

At Oconee State Bank we want to help protect what’s important to you. You can choose from a variety of Safe Deposit Box sizes, subject to location and availability, to store your valuables and important documents.

Link your Oconee State Bank checking account to another Oconee State Bank checking account, savings account or line of credit to help avoid any hassle or embarrassment from your account being overdrawn.

Debit Cards can be used to make signature and PIN based purchases, shop online, pay bills, and withdrawal cash everywhere VISA® is accepted. Our secure debit cards are a safer alternative to cash and can be used anywhere VISA® is accepted.

Oconee State Bank’s VISA® Credit Card offers convenient purchasing power for everyday purchases, business expenses, travel, entertainment, and beyond.

Our new Digital Banking Suite is a seamless — and more personal — way to manage your finances. No matter where you are or what device you want to use.

Our easy-to-use Bill Pay solution will save you time and money- no more mailing in check payments or visiting multiple online payment centers.

Download the Oconee State Bank Mobile Banking App for your supported iPhone®, iPad® or Android™ device to safely and securely manage your accounts and make deposits.

Get up-to-date account information from Oconee State Bank’s automated telephone banking service, available to callers anytime.