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Oconee State Bank, Watkinsville, GA

Business Checking

female small business ownerAt Oconee State Bank, it is our desire to serve you both now and in the future. With our diverse line of business products and services, you can count on us to meet your needs.

Please see our business checking products below to help decide which account is best for you!


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.

-Social Security or taxpayer ID number
-Unexpired Government issued ID or driver's license, military ID, or passport

-Proof of physical address, date of birth, phone number(s), and email address   

Click here for a complete list of documents we may request to open your business account.



Small Business Checking 

Performance Business Checking

 Commercial Checking

(Analysis)

Opening Deposit
$50
$50
$50

Minimum balance or other requirements
None
$2,500 minimum balance
None

Monthly service fees
None
Only $10 monthly charge if minimum balance falls below $2,500
Only $15 monthly service charge

  Per item charges1  
$0.25  per transaction over 250
$0.25  per
transaction
over 500
Please contact us for more detailed information

Competitive Interest
No
Yes
No

Earnings Credit
No
No
Yes! Earnings credit may offset some activity  and other fees.
(Please contact us for detailed information)

FREE Visa Debit Card FREE ATM Transactions at Oconee State Bank locations
Yes
Yes
Yes

FREE Online Banking, Bill Pay & eStatements
FREE 24/7 Telephone Banking 
Yes2
Yes
Yes

*Live Personal Bankers Available
Yes
Yes
Yes

*Please visit our information page to see hours of operation, or click here to contact us.

1Transaction items include deposits, deposited items, checks paid, and electronic items

2Small Business Checking:  Enroll in eStatements to avoid a $2.00 monthly paper statement fee

*Bank rules and regulations apply

Additional products or services available:

Subject to application and credit approval

Safe Deposit Boxes are not FDIC Insured

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