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Oconee State Bank, Watkinsville, GA

Debit Card Fraud Monitoring

Detection, Prevention, Protection

call center image

Every time you use your Oconee State Bank VISA ® Debit Card, our Fraud Center analysts evaluate your transaction to ensure it is within your normal pattern of use. If a transaction seems unusual your card may be blocked  by the Fraud Center analyst as they try to contact you by phone.

If a transaction or set of transactions are suspected fraud, our Fraud Center analyst will send a text message to the phone number on file. Please reply to this text message as quickly as possible to confirm whether the transaction is fraudulent or legitimate.

Our Fraud Center analyst will attempt a phone call to you if there is no reply to the text message. The analyst will  identify themselves as calling on behalf of Oconee State Bank. You will be asked to confirm whether the suspicious transaction(s) were authorized. If you confirm the transaction(s) as authorized, the fraud analyst will immediately unblock your card. 

Text Short Code : 96923

Text Message Window: 7 AM—9 PM

Text messages are free to end users!



You will NEVER be asked to give the following information: 

  • Account number
  • Debit Card PIN

If you are not comfortable providing information to the Risk Management fraud analysts, contact us at 706-769-6611 to unblock your card.

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