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Oconee State Bank, Watkinsville, GA

COVID-19: Online and Mobile Banking Resource

As the COVID-19 situation continues to evolve, we remain committed to the health, safety, and well-being of our team, our customers, and the communities we serve. It's never been more important to do your banking from home, and Oconee State Bank offers an array of online and mobile solutions to serve you.  We encourage you to bank online or on the OSB Mobile app, a safe and secure alternative to visiting a Financial Center.

Learn More About Our Online & Mobile Solutions Below 


Online Banking 

Online Banking gives you immediate access to your accounts anytime, anywhere. Online Banking is a safe, convenient, and easy to use solution for managing your bank accounts. Features of our free Online Banking include:

  • Real-time balances
  • Current account activity
  • Check images & periodic statements
  • Account information downloads into financial software, including Microsoft Money©, Quicken©, and QuickBooks©
  • Funds transfers between Oconee State Bank accounts
  • Debit Card management
  • Account alerts


Online Banking 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. Features of our free  Bill Pay include:

  • One-time and recurring payments
  • Electronic payments process in as little as 1-3 business days
  • Check payments process in 5-7 business days
  • Electronic payments to other financial institutions to make deposits, pay loans, and pay credit cards
  • Electronic Person to Person payments
  • Daily cutoff time for scheduled payments is 3 PM

 Enroll Now   create a button with this hyperlink:


Mobile Banking App

Download our Mobile Banking App for your supported iPhone®, iPad® or Android™ device to safely and securely manage your accounts and make deposits. Login to Mobile Banking with your existing Online Banking User ID and Password. Features of our free Mobile Banking Apps include:

  • Real-time balance information
  • Current account activity
  • Funds transfers between Oconee State Bank accounts
  • Debit Card management
  • Financial Center & ATM locator
  • Bill Payments
  • Mobile deposits
Visit the Apple or Google Play Store to download OSB Mobile for iPhone®, iPad® or Android™ devices.


Mobile Deposit

With Oconee State Bank's Mobile Deposit you can securely deposit checks into your eligible accounts right from our Mobile Banking app.

Using your iPhone®, iPad® or Android™ device, login to Oconee State Bank's Mobile Banking app and tap Deposits. Follow the on-screen prompts and instructions to complete your deposit.


Mobile Text Banking

Enroll in Mobile Text Banking now to request account balance and recent transactions via SMS text message. 


How to Self-Enroll

Existing Online Banking and Mobile Banking users can self-enroll for Mobile Text Banking.  Login to Online Banking from a browser and click Settings>Mobile Banking>Mobile Text Banking to complete your enrollment.  Once you've completed your enrollment, you will receive a text message from Oconee State Bank to confirm your access. 


Text Commands

Oconee State Bank's Short Code for Mobile Text Banking is 89549- save this to your contacts in your mobile device.

Bal = All Account Balances

Hist = All Accounts Recent Transactions

Help = Text Commands

Stop = Cancel Mobile Text Banking


Electronic Statements

For the fastest and most secure delivery of your periodic account statement, enroll in paperless Electronic Statements.  Self-enroll for paperless Electronic Statements by logging into your Online Banking account and clicking eStatements.

24/7 Telephone Banking

Get up- to-date account information from our automated telephone banking service, available to callers anytime. Dial in toll-free to 833-541-1713 to access 24/7 Telephone Banking, a free service with features that include:

  • Real-time balance information
  • Account transfers
  • Loan Payments
  • Email account history
  • Branch & ATM hours and locations
  • Debit Card management
  • Stop Payments
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