Frequently Asked Questions

While we make every effort to provide 24/7 Mobile Banking access, there may be brief moments of downtime due to routine system maintenance. If we are aware of upcoming maintenance, we will post a message on the applicable system to notify users of downtime.

Mobile Banking apps can be downloaded for free.

If you forget a User ID or Password associated with Mobile Banking, contact the Virtual Banking Center at 706-769-6611. After required identity verification, your password will be reset.

Customers with a valid Online Banking User ID and Password can access Mobile Banking from their iPhone©, iPad©, or Android™ devices by downloading the free Oconee State Bank Mobile Banking app in the Apple iTunes Store or Google Play Store. Users with other mobile devices may access our classic Mobile Banking site at www.airteller.com/oconeestatebank

– Real-time balance information
– Current account activity
– Transfer funds between accounts
– Activate or cancel your debit card
– Suspend your debit card
– Financial Center & ATM locator
– Pay bills
– Make deposits

Each time you make a transfer, bill payment, or deposit a confirmation SMS Text Message or email will be sent to your mobile device. If you do not receive a confirmation text message or email, double check to make sure the transaction went through.

– Go to Online Banking > Options > Mobile Settings
– Deselect Activate Mobile Banking Access
– Click Submit

Since your account data is not stored on your mobile device, your Mobile Banking login information cannot be accessed. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number from Online Banking settings.

Yes, you can create and delete bill pay payees right from your Mobile Banking app.

Yes, you can create and delete bill payments right from your Mobile Banking app.

When you complete a transaction from your mobile device (bill payment, funds transfer, mobile deposit, etc.) you will receive an SMS Text Message or email as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

If you get a new mobile device, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, login to your Online Banking account via the Internet and update your information on the Options > Mobile Settings page.
You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic.

While we make every effort to provide 24/7 Online Banking services, there maybe brief moments of downtime due to routine system maintenance. If we are aware of upcoming maintenance, we will post a message on the applicable system to notify users of downtime.

Online Banking & Bill Pay are free features available to all Oconee State Bank account holders.

Oconee State Bank’s Online Banking site is optimized for use with the following browsers:
· Microsoft© Internet Explorer 9 or higher
· Mozilla Firefox 5 or higher
· Safari 6 or higher

If you use an unsupported browser, you may not be able to take full advantage of all the features of Online Banking & Bill Pay.

Images of check payments are available on Online Banking for up to 12 months.

Transaction history, payment history, and account statements are available for up to 12 months.

If you forget a User ID or Password associated with Online Banking, contact the Personal Banking Center at 706-769-6611. After verifying your identity, your password will be reset.

If the payment is electronic, funds will be debited from your account the day the payment is scheduled. If the payment is by check, funds will be debited from your account once the check is presented for payment.

Electronic payments will not be processed until funds are available. The payment will attempt to be sent until the funds are available for up to five (5) business days. Check payments are treated as any other check you have written and will still be mailed to the payee regardless of funds availability.

The daily payment cutoff time is 3 PM. You can make changes or delete payments up that that time.

Scheduled payments that fall on a non-business day will be processed on the prior business day. No payments are processed on weekends or Bank holidays.

When you successfully complete setup a transfer or bill payment, you will receive a confirmation number. If you do not receive a confirmation number due to connectivity issues, check your scheduled transfers or bill payments and re-submit any transactions that did not process.

If you ever have any questions about a payment, please call or chat with Bill Pay support online or at 866-592-0853. They will be happy to research your payment.

Login to Online Banking and click Options to update your password.

Please contact us at 706-769-6611 immediately if you suspect your debit card is lost, stolen, or compromised. You may also use our array of digital banking services to cancel your card.

To request a new PIN for your debit card, visit any of our financial center locations during business hours. We can also mail a new PIN to your address on file. Contact us at 706-769-6611 to request a PIN mailer.

Please contact us at 706-769-6611 immediately if you see unauthorized transactions on your account. If you notice any unauthorized transactions on your account, visit your local financial to file a dispute with a Personal Banker.

With many debit card transactions, you may notice that a merchant has processed a preauthorization (PA) on your card for an amount that differs from the actual purchase price. Merchants process these preauthorizations in an attempt to “hold” the funds from your available balance until the final transaction is processed or to validate that the card is active.

A common example of a preauthorization is a gas station that initially charges your card $99.00. This charge will be reflected in your available balance until the merchant processes the final amount of the transaction, or within three (3) business days.

Preauthorization amounts are predetermined by the merchant; we have no control over the amount they process and are unable to modify or remove these transactions from your account.

Oconee State Bank charges a foreign ATM fee whenever you use an ATM that we do not own. This fee is in addition to any charges imposed by the foreign ATM owner. Essential Checking and Essential Plus Checking account holders get three free foreign ATM withdrawals per statement cycle.

ATM withdrawals made before 3:00 PM EST on a normal business day will be deducted from your available balance immediately and post the same day. Withdrawals made after 3:00 PM EST will be deducted from your available balance immediately and post on the following business day.

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.

While we make every effort to provide 24/7 Electronic Statement access, there may be brief moments of downtime due to routine system maintenance. If we are aware of upcoming maintenance, we will post a message on the applicable system to notify users of downtime.

Electronic Statement notification and access are free features available with all Oconee State Bank checking and savings accounts.

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

The moment your statement has been generated an email is sent to your email address informing you that your statement is ready to view.

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

If your email address changes, please contact the Personal Banking Center at 706-769-6611, or update your email address automatically by clicking on Options in Online Banking.

Utilize Positive Pay to reduce the risk of loss from check fraud. Peace of mind at your fingertips! Oconee State Bank’s Positive Pay service helps your business detect suspicious transactions, safeguarding your business.

Positive pay is a fraud-prevention system offered to protect against forged, altered, and counterfeit checks. Your business uploads a file containing issued check data into the Oconee State Bank Positive Pay portal. Checks presented for payment against your account are compared to those issued by the business. Any check not on the issued check list (and potentially fraudulent) will be listed as an exception for you to review and make a “pay” or “return” decision for each item.

The exception processing deadline for Positive Pay decisions is 12:00 PM EST. on the day the check is presented for payment to Oconee State Bank.

With Positive Pay, mismatched checks are identified sooner and account activity may be reconciled with increased accuracy.

To sign up for Positive Pay or any of our Cash Management Services, please contact our Digital Solutions Center at 706.769.6611 or info@oconeestatebank.com or visit any one of our Oconee State Bank Financial Centers during banking hours.

Remote Deposit gives business customers the ability to (1) capture the images and transaction information of checks accepted for payment, and (2) deliver this information electronically to the Oconee State Bank over a secure Internet connection.

Using a web-based application and a scanner we provide, checks are scanned, imaged, and submitted for deposit. Each check scanned for deposit generates an electronic image that is transmitted to Oconee State Bank.

Oconee State Bank charges a flat monthly fee of $25.00 for Remote Deposit. This monthly fee includes the lease of one high-speed scanner and unlimited deposits. Each additional scanner is $25.00 per month.

The cutoff time for same day deposits is 7:00 P.M., Monday – Friday. Deposits made over the weekend or on a holiday will be processed on the following business day.

The original checks need to be stored in a secure location for 14 – 60 days. After 60 days, original checks must be destroyed.

Remote Deposit requires a Window 7 or higher operating system, Internet Explorer 9.0 or higher, and an available USB port for the scanner.

Contact your local Financial Center Manager to learn more. Once approved, our Remote Deposit product specialist will come onsite to setup your Remote Deposit scanner and provide training for your employees.