Important Fraud Prevention Reminder: Oconee State Bank will never call or text you asking for your personal information. If you receive a call or text from any number asking you to confirm personal account information or verify unusual account activity, please reach out to our Digital Solutions Center by calling 706-769-6611. Do not call the number in the message or provide personal information. Stay Alert. Stay Secure.

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

Commercial Savings

Oconee State Bank's Commercial Savings account is a great way to build a cash reserve for your business.


Start saving today!

  • Only $50 to open an account
  • Minimum Balance Requirement
    Maintain a $200 minimum balance and you will not incur a quarterly maintenance fee.
  • Quarterly Maintenance Fee
    A service charge of $5 is not assessed if you maintain a minimum daily balance of $200.
  • Competitive interest
  • Quarterly statement fee
    This account is subject to a $5 paper statement fee. The paper statement fee is not assessed if you enroll in eStatements.
  • $3.00 will be assessed for each additional debit transaction (withdrawal, automatic or pre-authorized transfer, ATM withdrawal, or payment out of this account) in excess of six (6) during a quarter.

In order to open a new account and establish and protect your identity, we will ask for some personal identifying information. We know your time is valuable, so please bring this information with you when you come. Please allow at least 30 minutes to establish your relationship at any of our convenient Oconee State Bank locations.

  1. Social Security or taxpayer ID number
  2. Unexpired Government issued ID or driver’s license, military ID, or passport
  3. Proof of physical address, date of birth, phone number(s), and email address