Scheduled Maintenance: Online and telephone banking will be unavailable 9/19 at 9:00 PM through 9/20 at 8:00 AM. Debit card transactions may experience intermittent delays.

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Deeply Rooted. Always Growing.

For more than 65 years, the people and communities we serve have been at the heart of our story.

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Banking that helps you build what matters most.

Whether you're buying a home, growing a business, or planning for what's next, we're here to help you navigate every financial decision with confidence.

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Your Story. Our Purpose.

Every financial decision tells a story. We're here to listen, guide, and help you move forward with confidence through personal relationships and trusted expertise.

Meet Your Local Team

Your business works hard. Your payments should work smarter.

Accepting cards shouldn't cost more than it has to. With Oconee State Bank and BancCard Merchant Services, we can review your current processing and identify opportunities to simplify payments and potentially save your business money.

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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

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  • 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.

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

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