Skip Navigation Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.

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



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 transaction charges
250 FREE
deposits, deposited items, checks paid, and electronic items.
__________________
$.25  per transaction over 250

500 FREE deposits, deposited items, checks paid, and electronic items.
__________________________

$.25  per transaction over 500
-Transaction items are just $.12 each 1
-Coin and currency deposits just $.50 per $1,000

Competitive Interest
No
Yes
No

Earnings Credit Allowance
No
No
Yes! Earnings credit allowance may offset activity fees

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 
Yes
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.

Transaction items include checks paid, checks deposited, ACH debits, and ACH credits.

*Bank rules and regulations apply

Additional products or services available:

Subject to application and credit approval

Safe Deposit Boxes are not FDIC Insured

Free Ride To The Top
of the page