This season of gratitude, we’re thankful for the customers, businesses, and communities who place their trust in us every day. Thank you for being part of our family.

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

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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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Built for Business. Built for Growth.

Whether you're starting out, expanding operations, or planning what's next, we're here with the tools, expertise, and support to help move your business forward.

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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.

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