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Oconee State Bank, Watkinsville, GA

Online Banking & Bill Pay

New Digital Banking Suite is Here!  

 Our new Digital Banking Suite is a seamless — and more personal — way to manage your finances. No matter where you are or what device you want to use, you can:

  • View Balances and TransactionsSearch your recent activity, filter transactions with tags, even add an image or note to an entry.
  • Transfer Funds: Effortlessly initiate one-time, future dated, or repeating account to account transfers, so you can pay your bills — and your friends.
  • Schedule Payments: Set up recurring bill payments from any device.
  • Get Alerts: Receive automatic alerts and push notifications to help you stay on top of your account.
  • Link Outside Accounts: Get the full picture when it comes to your finances. View transactions and balances from all of your accounts in one convenient place.

Whether you’re on your laptop, smartphone or tablet, you are always connected. Visit our Quick Reference Guide to start discovering features!


Digital Banking Suite Quick Reference Guide

Accessing Oconee State Bank’s Digital Banking Suite is simple.

  • Existing online banking users will use your current username and password to log in. Update your browser for an optimal experience!
  • Our mobile app will prompt you to download the new version.
  • Existing bill payments and payees will automatically copy to the new system.
  • New to online banking? Visit to enroll. 
Still have questions? Click below to view FAQs and How To Videos.



Notable Features to Simplify Your Finances

Manage your Debit Card
  • Turn your card on and off if it’s lost, stolen or being misused.
  • Enter travel notes to let us know when your card activity may change.

Personal Financial Management with Insights
  • Access to a larger number of external financial institutions. 
  • Integration with the latest security protocols to keep your information safe and secure. 
  • Increased reliability to ensure your accounts have the latest information.  
See Insights How-To Guides Below

Business Bill Pay

Take your Online Banking to the next level with Bill Pay. Our easy-to-use Bill Pay solution will save you time and money- no more mailing in check payments or visiting multiple online payment centers.

Access your account statements anytime through our secure Online Banking Electronic Statement Portal. Statements can be securely retained for easy access. Opt in to be notified the moment your statement is generated. eStatements can be combined with our other digital services bettering the environment by reducing paper waste.
Our Online Banking services provides real-time balance and current account activity to ensure you receive accurate account information at all times. 
Account information can easily be downloaded into financial software, including Microsoft Money©, Quicken©, and QuickBooks©
Oconee State Bank customers receive features through our Online Banking platform including transferring funds between accounts, activate or cancel a debit card, and account alerts. 
Features of our free  Bill Pay include creating one-time and recurring payments, send payments anywhere in the US, access bill payment history for up to 12 months, set up eBills so that your payee's electronic statements come right to your Bill Pay, and add payment reminders with our interactive Bill Pay calendar.
P2P* (person-to-person) payment feature is also available in our Mobile App to pay individuals electronically to their VISA Debit Card or bank account*please allow 1-3 business days for P2P payments to post to the recipient's account
Electronic payments process in as little as 1-3 business days. Check payments process in 5-7 business days.
Online chat support for Bill Pay available Monday - Friday, 7:30 AM - 2 AM. Bill Pay support is also available by phone at 866-592-0853, Monday - Friday, 7:30 AM - 2 AM.

24/7! There may be occasional downtime due to routine system maintenance but we will inform users on the applicable system to notify of downtime. 

Adobe Reader is required to view Electronic Statements. Download a free version at 

No! Electronic Statement notification and access are free features available with all Oconee State Bank checking and savings accounts. 

No, you will only receive email notification that you can review your statement online.

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