Important Fraud Prevention Reminder: Oconee State Bank will never call you asking for your personal information. If you receive a call from any number asking you to confirm personal account information, please reach out to our Digital Solutions Center by calling 706-769-6611.

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Essential Checking

Oconee State Bank's Essential Checking account offers all the basics plus much, much more.

Essential Checking is Powered by BaZing!

Get the basics and so much more!

  • Anywhere Banking Tools

    Free access to Online banking, mobile banking, mobile deposit, bill pay, eStatements. VISA® Debit Card, 24/7 VISA® debit card fraud monitoring. Apple Pay, Samsung Pay, Google Pay.

  • Billshark

    Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
    *Please read disclaimer 4 below.

  • BaZing Fuel

    Earn $0.10/gal for up to 20 gallons each month with just 15 debit card swipes.
    *Please read disclaimer 5 below.

  • Shop local, save local

    Local discounts and national retailer deals to save you money on shopping, dining, travel, and more. Savings from national and local businesses, including many of your favorite retailers and restaurants- all from the convenience of your Remarkable Perks+ app or online.
    *Please read disclaimer 1 below.

  • Health Savings Card

    Save money on prescriptions, eye exams, frames, lenses and hearing services.

  • Cell phone protection

    Pay your cell phone bill with your Bazing checking account, and you’re covered. We’ll pay to have it repaired or replaced, up to $800 per claim (maximum of $1,600 per year).
    *Please read disclaimer 2 & 3 below.

  • ID theft aid

    Personal Identity Theft Benefit: Receive up to $2500 reimbursement for covered expenses you incur to restore your identity.
    Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity, including public records, change of address, social security, and non-credit loans.
    Credit Monitoring and Credit Report: Monitor changes and new activity on your credit report and review your credit report quarterly.
    Identity Monitoring: Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans.
    *Please read disclaimer 2, 3 & 4 below.

  • Roadside assistance

    Available 24/7 and free to use, up to $80 in covered charges. Covered services include towing assistance, battery service, flat tire assistance, fuel, oil, fluid, water delivery, lock-assistance, collision assistance and extrication assistance.

  • $10,000 travel accidental death coverage

    Peace of mind for the unexpected. Covers loss of life due to an accident while traveling by licensed common carrier (airplane, bus, taxi, train) or as a private passenger in an automobile.
    *Please read disclaimer 3 below.

  • Financial Wellness

    Financial Wellness, powered by Gentreo, helps you create specific and legally binding documents such as wills, Health Care Proxies, Powers of Attorney, and more.
    *Please read disclaimer 4 below.

  • Pet Insurance

    Preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet Rx and more.
    *Please read disclaimer 4 below.

  • File Your Taxes

    Get your federal tax return filed for FREE with FileYourTaxes.com.
    *Please read disclaimer 4 below.

  • Minimum balance requirements

    No minimum balance requirements. Only $50 opening deposit to get started.

  • Monthly maintenance fee

    All for just $6 per month.

  • Monthly statement fee

    Essential Checking accounts are subject to a $5 per month paper statement fee. Enroll your account in eStatements and avoid the $5 monthly paper statement fee.

DISCLAIMERS

  1. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
  2. Subject to the terms and conditions detailed in the Guide to Benefits.
  3. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
  4. Requires additional activation to begin.
  5. You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.