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Oconee State Bank, Watkinsville, GA

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OnlineAthens Best Bank Voting

We’re proud to have been nominated as a finalist for the OnlineAthens best bank award. By voting for OSB you are helping us impact the community in new and exciting ways. 

Click here to vote


Join us in honoring our military heroes by bringing in your photos and stories. 

We are proudly celebrating these brave men and women through Memorial Day, Armed Forces Day, and Independence day.

We're publicly traded on the OTCQX exchange.

For the latest investor information CLICK HERE

OSB is proud to post weekly on our blog every Tuesday @ 11:30 am.


This week's edition of Beyond the Cupola features Daniel Parker,
a banker at Oconee State Bank. Daniel shares his experience
following his college graduation as he searched for a career.

We are proud to offer three free ATM withdrawals to our Essential & Essential Plus customers Want to learn more?

Let us know how we're doing! 

Submit your feedback here

OSB Kids Club

Click here to learn how to enroll today!

Personal Insured Money Market Account


Click here to view all deposit rates.

60 Month CD



OSB Cares

Click here for more pictures of Team OSB!

Consumer Loans
Ready to tailor the right loan solution for your individual needs. More Info >
ACH Advantage

Whether issuing payroll, collecting reoccurring payments, or more, we have a variety of services to suit your needs.

More Info>

Your Business, Our Priority
Count on us to support your business with success every step of the way with a variety of products and services customized to fit your needs.

Learn more

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