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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.

Totally Free Business Checking

Designed for
most businesses


Designed for businesses with lower transaction volume and a desire for a competitive rate of interest

 Commercial Checking

Designed for businesses with more complex banking

Opening Deposit $50 $50 $50
Minimum balance or other requirements None! $1,500 minimum balance None!
Monthly service fees No Only $6 monthly charge if minimum balance falls below $1,500 Only $15 monthly service charge
Per transaction charges 1,000 FREE monthly transaction items 1 1,000 FREE
-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

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