Smishing Alert: Stay Safe!
We have received reports of fraudulent text messages claiming to be from OSB, stating that your contact information has been changed. The message includes a link, asking you to click to verify the request. Please be aware that this is a scam! OSB will never ask you to validate changes to your account via text.

If you receive one of these messages, do not click the link. If you feel that your account information has been compromised, contact us immediately through our secure online chat feature or call us at
706-769-6611 (option 4).

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Basic Checking

Oconee State Bank's Basic Checking account offers all the basics for your everyday banking needs.

The basics for your everyday needs.

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, and Google Pay.

  • Minimum balance requirements
    Maintain a $100 daily minimum balance and we'll waive the monthly maintenance fee. Only $50 opening deposit to get started.
  • Monthly maintenance fee
    Get the basics for just $7 per month. Maintain a $100 daily minimum balance and we'll waive the monthly maintenance fee. Upgrade to Essential Checking for the best value!
  • Monthly statement fee
    Basic Checking accounts are subject to a $5 per month paper statement fee. Enroll your Basic Checking account in eStatements and avoid the $5 monthly paper statement fee.