FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Fall Into Earnings – and Rewards!

Earn competitive interest + unlock BaZing benefits with Essential Plus Checking.

Learn More

Make Room for What Matters This Season

Join us for our FREE Community Shred Day - Saturday, October 25, from 9-11 am at our Corporate Headquarters.

Personal Banking
at its absolute best.

Experience our new Digital Banking Suite today!

More banking on the go! Experience the new Oconee State Bank mobile app.

System Requirements:
Current version 4.12 as of March 2018
iOS 10.1 or higher for iPhone® and iPad® devices
Android 5.0 or higher for Android™ devices

  • New direct debit Netflix.com
    $14.99
  • You’ve received money Payment from Sophie
    $78.24

Business Banking
has never been easier.

Our new favorite number?

Get 0% Introductory APR for the First Seven Billing Cycles.

Apply Now

We're a bank that's
built to serve our
community.

Visit us today
We're proud to have locations in:
  • Watkinsville
  • Athens
  • Bogart
  • Gwinnett
  • Macon
  • Elberton